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Guarantee
To Principal
Never worry about market volatility again. Understanding that protecting your hard earned money is as important, if not even more important than choosing the right financial strategy. It is virtually impossible to predict the future performance of any investment, but you should never lose money along the way. Planning for your future and retirement must be built on certainty and not uncertainty. It is a huge misconception that you need to take risk when it comes to investing in your retirement and financial future. Always protect your principal with a Guarantee floor, safeguarding your funds from risk. This has become the New Normal. As Warren Buffet states, – “Rule #1 – Don’t lose money. Rule #2 – Don’t forget rule #1.”
Tax Free
Growth
There’s a difference between the way the 99% plan and invest versus the top 1% of people in the world. These strategies are not new and have been utilized by the well informed and typically the top 1% of income earners in the U.S. You don’t have to be wealthy or privileged to learn and apply the same strategies and plans that will give you the financial advantage you wish you knew much earlier in life. Unfortunately many advisors and wealth managers don’t enlighten the masses on these types of growth strategies because it’s either not what they specialize in, have licenses for and usually are not financially incentivized to inform you about. Therefore you believe that their help is necessary while the reality is that their fees are massively eroding your investment and retirement income, easily erasing at least 10 years of income from your retirement.
Tax Free
Access
Who said Uncle Sam has to be your financial partner in your journey through life? Money has zero emotions or feelings. It simply behaves based on the tax codes it’s governed by. Depending on which financial instruments you choose to park your money in, this solely dictates the way your money grows and especially how you are able to access it. If you’re not in the know as to how this works, it’s not necessarily your fault because most people are often blindly guided to enroll with financial instruments through their advisors and even from their employers. This is all without any knowledge of its risks, restrictions, penalties and tax consequences. Tax-Free access to your hard earned money is not anything new, especially if you’ve already been well educated like many in the top 1% of society. It’s not always about how much you can earn, it’s about how much net spendable money you can keep!
No Restrictions -
Limitations & Penalties
When it comes to accessing your hard earned money, you want it to pass the liquidity test as well. Many don’t realize that you don’t have to lock your funds in “money jail” for a lengthy period of time or wait until age 59.5 in order to access your money without steep penalties. Remember, your money is not trying to avoid you. It’s simply behaving based on the financial instrument it’s sitting in. In the world of investing and financial planning, so many individuals are not guided with such options because unfortunately people have been taught to park their money in instruments that are only governed by such restrictions and penalties to access your own money. The concept of being able to grow your funds Tax-Free, Access it Tax-Free and do so WITHOUT any age limitations, restrictions or penalties is not a new concept. Being guided or consulted by a Specialist in this regard is critical. Not all financial professionals are created equal. It really does matter who is guiding you down your financial path.
Living
Benefits
Has anyone ever taught you how to insure your money while you’re alive? Many plan for what they may leave to their loved ones upon death, but unfortunately the vast majority will face financial hardships long before this event due to chronic and critical diseases such as heart attacks, stroke, cancer and other debilitating health issues. For example, someone has a heart attack every 40 seconds and is the leading cause of death in the U.S. – (https://www.cdc.gov/heartdisease/facts.htm). Over $219B will be spent in the U.S. for just heart related diseases. Cancer related costs are rising rapidly from $150B since 2018 each year as well. – (https://www.cancer.gov/about-cancer/understanding/statistics). Most people will simply drain their own assets, ie, (home equity, savings, retirement accounts, college savings, etc.) to pay for such costs. You can say goodbye to any future financial plans or retirement funds if this is the reality. Acquiring living benefits is a must these days in order to protect your income during your working years. Learning how to add a valuable and accessible bucket of resources to your life will give you the greatest peace of mind. There is no longer the need to dive into your own assets to account for such necessary benefits.
Transfer Your
Legacy
At some point in our lives, we will be faced with the inevitable event of passing away. Ensuring the legacy of your family is some- thing that should always be given its due attention. Many don’t want to think about our mortality, but when you put plans in place that take away any stress of you having to worry about all those “what if” scenarios, then you can feel confident living life knowing that you were prepared to carry on your legacy. Leaving a legacy to your loved ones is something often overlooked because there is a huge misconception that this type of planning is only reserved for the wealthy. This is so far from the truth and knowing how to prepare for your passing will give your loved ones, kids and future generations to come, something they can feel proud of because you did not procrastinate in making sound financial decisions now that will impact your legacy forever. Leaving a legacy is a necessary priority, but also knowing how to transfer a legacy Tax-Free is something you can absolutely control.
Meet Danny
Meet Our Founder
- Retired 17 years early from a 19 year Law Enforcement Career at age 38 and now passionate to teach others the same knowledge I acquired
- Regarded by my peers as the #1 Financial Strategist in my industry – I’ve helped thousands over the years immediately strengthen their financial well-being for life along with their future generations with strategies that most will never stumble across
- Featured in about a dozen published articles for my Passion & Achievements – Proudly chosen as a Contributor to “Entrepreneur Magazine”
- Specialize in helping clients immediately Eliminate Risk, Fees, & Taxes – Helped people all of over the United states, from Successful Professionals, Executives, Entrepreneurs to even Professional Athletes & their families
Featured Agents
Testimonials
Testimonials
Coaching
Experience The Difference
We're the best in our niche and the only one of its kind to deliver the highest degree of coaching to Financial Agents within the Advanced Markets Space.We help position you to $30k-$50k per month in income as a minimum standard in our 3 Month Intensive 1 on 1 Coaching Program.
Are you ready to transform your skill-sets & business to the next level?
Opportunities
Opportunities
The Xtreme 1 Platform is built on the very strong belief of Commitment, Excellence & Integrity. These core values in business is what drives the evolution of our company culture. Our goal is to help you achieve success by offering you world class mentorship, resources and training with an edge. Our platform is structured for maximum results and is designed to help our members achieve their goals with the highest level of transparency and ethics. From the novice beginner to the seasoned professional, there is a place for everyone to grow and evolve. For those who have industry experience and are already operating a business or have a team, they can feel at home with our platform and maintain their own business identity, without compromising on compensation.
Independence
Xtreme 1 Financial has aligned with some of the most recognizable and most reputable insurance and annuity providers in the industry. We are constantly growing our provider network and believe in having a diverse portfolio of carriers that can offer your clients the best possible solutions. Your independence is important to us and we support your desire to build your own agency. Control your own brand and business with our full support. Your partnership with us puts YOU behind the steering wheel and in control.
Products And Services
We offer highly recognized, name-brand and unparalleled products and services that fulfill the best possible outcomes for our clients. You will never lack confidence in knowing that you have the best tools and providers in your arsenal to provide the best solutions for your clients.
Partner up with THE RIGHT Platform, Mentorship, Leadership & Culture in the game And...
Experience The Difference
Our Difference
Our
Difference
Our priority is to help you navigate your financial future. We take pride in ensuring our clients are always clear about the proper ways to save for their future & retirement. In addition to helping you learn how to grow your money Tax-Free, we teach you how to access it Tax-Free, without any restrictions or penalties.
ERFT: Eliminate - Risk - Fees & Taxes
Learn the strategies that the top 1% have been implementing for years. Learn how to prioritize financial literacy and education so that you can empower yourself and your family.Don’t hesitate to reach out to us to inquire about how we can help you, your company or even about strategic partnerships. We are #1 in the personal finance industry.
Our Services
Services Overview
Services Overview
Living Benefits
Living Benefits
Indexed Strategy
Indexed Strategy
Retirement Planning
Retirement Planning
Business Succession Planning
Business Succession Planning
Saving For Your Future
Saving For Your Future
Videos
Financial Calculators
Financial Calculators
Contact
Brian Bartfeld
Brian Bartfeld
Brian Bartfeld is a diversified and serial entrepreneur with a wide range of experience in a very successful family-owned business serving the San Francisco Bay Area, which he also proudly calls home. Brian's technical background paired with his ability to identify customer's unmet needs make him the ideal fit in creating an impact in people's lives. Brian is a strategic thinker with a proven track record of identifying and developing the right products to help his clients with the specialized ERFT Method (Eliminating Risk, Fees and Taxes). He is responsible for promoting, educating and driving awareness in all aspects of our industry and curing financial illiteracy. Being a Principal at Xtreme 1 Financial has been the most rewarding career move for Brian. Helping people build a foundation is the most important goal for Brian along with X1's mission to create the largest movement to protect individual and family legacies.
Brian also proactively volunteers in his community where he coaches youth sports in his spare time.
Andrew Del Mundo
Andrew Del Mundo
Bringing over seven years of expertise in the financial industry, Andrew has been guiding individuals towards financial freedom since 2015. Having recently relocated from Canada to the US in 2022, he specializes in personalized retirement planning and investment strategies. Andrew's approach focuses on eliminating risk, fees, and taxes (ERFT), ensuring that clients navigate financial complexities with ease. Committed to excellence and personalized service, he simplifies financial concepts and provides actionable insights to secure long-term wealth preservation and growth.
Andrew's goal is to make financial planning accessible and rewarding for everyone, leveraging his years of experience to offer comprehensive solutions tailored to clients' unique needs. In his spare time he enjoys spending time with his dog and traveling to new destinations with his wife of over 25 years.
Evon Leung
Evon Leung
Evon’s career is a testament to her ability to excel across industries. From her early days as an accomplished esthetician to holding leadership roles in business development and finance management, she has consistently demonstrated a talent for communication, strategy, and client advocacy. Her passion lies in personal finance, where she specializes in “ERFT” (Eliminating Risk, Fees & Taxes), guiding clients toward financial efficiency with personalized, strategic solutions.
She firmly believes that financial solutions do not have to be complicated, however having the right expert by your side makes all the difference. Whether you’re focused on retirement planning or simply looking to optimize your finances, Evon is dedicated to helping you navigate the journey with confidence and ease.
Outside of her business world, she enjoys family time, professional networking, and taking full advantage of Washington’s ever-changing seasons.
Amro Ahmed
Amro Ahmed
Amro Ahmed is an experienced Financial Specialist. With Being in the industry over a decade he provides a very unique perspective to both clients and agents in the Personal Finance Space. Amro is a strategic thinker and his entrepreneur spirit allows him to stand out by understanding and solving problems when it comes to helping clients achieve ERFT( Eliminating Risk, Fees, and Taxes). Amro's proven track record not only speaks for itself but continues to grow year to year, breaking records in the industry.
In this stage of Amro's career he is dedicated and focused to helping clients achieve financial literacy by educating and also helping them make great financial decisions even long after they interact by empowering clients with knowledge.
Amro also has a family with is beautiful wife Carmen and 3 kids.
Jonathan Mercado
Jonathan Mercado
Jonathan is a former professional boxer, graduated cum laude from Arizona State University with a degree in Non-Profit Leadership and Management. Driven by a passion for empowering others, he founded a non-profit organization focused on teaching basketball fundamentals and life skills to underprivileged youth. Jonathan also dedicated five years to serving as a physical education teacher and continues to contribute to his community as a basketball trainer and high school coach.
Motivated by a personal mission to address financial preparedness, particularly inspired by his mother’s challenges in planning for retirement, Jonathan transitioned into the financial industry. He now specializes in using the ERFT method—a strategy designed to eliminate risk, fees, and taxes—to protect his clients’ assets from market volatility while providing them with peace of mind.
Jonathan’s resilience, honed during his boxing career, fuels his commitment to his clients. He combines his life experiences, financial expertise, and passion for education to help individuals and families achieve long-term financial security.
Married for five years and a proud father to his son, Jonathan is also an author, currently working on two books—one focused on high school basketball and another on financial literacy. His dedication to serving others extends beyond his career, ensuring every client feels supported in their journey toward financial confidence and security.
Sharlene Tullao
Sharlene Tullao
Sharlene Tullao is more than a financial strategist—she is a catalyst for change, helping individuals transform financial uncertainty into opportunities for growth and security. Her journey began in client service and administrative roles, where she developed strong communication and problem-solving skills, learning to build meaningful relationships and navigate complex financial situations.
Determined to make a difference, she leveraged her understanding and experience in banking, mortgages, insurance, and investments to help clients navigate their finances with confidence. Guided by three core values—empowerment, integrity, and innovation. Sharlene ensures that individuals and families have the knowledge and tools needed to build lasting financial security.
More than just managing numbers, her mission is to provide guidance and direction so clients can achieve long-term wealth and peace of mind. She takes pride in fostering trust and collaboration, ensuring her clients feel supported every step of the way.
Beyond finance, Sharlene is deeply committed to her faith, family, and community, believing that both business and life thrive when authenticity and warmth are at the core.
Her vision extends beyond individual clients—she aims to create a ripple effect of financial empowerment that strengthens entire communities. Sharlene’s advice to aspiring financial professionals is simple yet powerful: “Always seek mentorship, be open to feedback, and never stop learning—because financial success is about more than money, it’s about people.”
Marina Moses
Marina Moses
Marina Moses is a seasoned finance professional with over 15 years of experience in investment modeling and financial analysis. As a mother of three, she understands firsthand the importance of effective financial planning and the benefits of learning smarter strategies early on — lessons she’s applied while supporting her children’s educational journeys and future goals. Marina is passionate about empowering others to take control of their finances by minimizing unnecessary risks, fees, and taxes, ultimately creating a path toward greater financial ease.
Outside of her professional life, Marina is an avid hiker who has explored Red Rock Canyon more than 400 times. Originally from Brazil, she moved to the United States as a teenager and completed high school as a foreign exchange student in Wichita, Kansas. Years later, while raising three young children, she earned a double degree in finance and accounting in just 3.5 years—graduating at the top of her class.
Marina’s journey reflects resilience, strategic thinking, and a deep commitment to financial literacy. Today, she uses her expertise to guide others in making informed, confident financial decisions. Her mission is to help clients make their money work smarter and build a future of financial freedom.
Dennis Florendo
Dennis Florendo
With nearly two decades of experience in the financial services industry, Dennis Florendo combines a strong analytical foundation with a personal, values-driven approach to financial planning. He holds a bachelor’s degree in Mathematics and has dedicated his career to helping individuals and families make confident, informed decisions about their financial future.
Dennis operates with a clear set of core values: professionalism in every interaction, integrity in every recommendation, and a deep commitment to building lasting relationships. His goal is not just to offer financial solutions, but to be a trusted partner in every stage of his clients’ financial journey.
A man of faith, Dennis is actively involved in his church community, where he finds joy in Bible studies and meaningful fellowship. His faith is the anchor of his life and work, providing purpose and direction. Outside of his practice, he treasures time with his family, enjoys traveling, and loves relaxing with his Aussiedoodle, Milo.