Our Expert Team

sam-banuri

SAM BANURI

CEO

SPARKLE SIMS

CFO

Sparkle Sims has been servicing in the insurance realm for more than 7 years. She grew her book of business by door to door campaign, by educating her clients how to build a legacy and for their final expenses.

As the operation manager at Chronos Financial and Insurance Services, she is doing a superb job, by making sure that all transactions are done on Timely and professional manner.

Steve Super

STEVE SUPER

CREDIT REPAIR SPECIALIST

Steve Super was born in the United Kingdom and moved to Los Angeles 25 years ago. Since that time he has built a number of financial companies throughout Southern California. He has extensive knowledge in all aspects of Consumer Law as it relates to Credit Repair, specifically challenging the bureaus and dealing with his clients’ credit issues that have arisen as a result of Bankruptcies, Medical Bills, Collection Accounts, Student Loans and Identity Theft. He even challenges missed or late payments and in most cases his knowledge of the law means he is in high demand because he gets outstanding results for his client 

His mantra is to deal with every client on a compassionate level. He never judges a person based on credit and works hard and effectively to make sure his clients hit the magic 700+ FICO score. While his knowledge in all aspects of Credit Repair is outstanding he works equally hard to educate as many people as possible so that they can maintain strong credit. 

Steve is a happily married family man who lives in West Hills, CA with a loving wife, two great kids and of course, an obligatory English Bulldog called BUGLY

OSCAR-TOLEDO

OSCAR TOLEDO

ANNUITIES & WEALTH MANAGEMENT

Oscar Toledo has been in the insurance industry for over 20 years. Oscar relentlessly helps each client he works with by asking questions to identify any obstacles then provides real-world solutions to help achieve their retirement goals by leveraging annuities and other wealth building options.

Joseph Setto

JOSEPH SETTO

MANAGER HEALTH PLANS

Joseph Setto is the manager for senior health plans at Chronos and has been helping Medicare recipients attain peace of mind for their healthcare needs. Also providing life insurance options to ensure a secure financial future for individuals and the ones they love, Joseph has been licensed and active in the insurance industry for over eight years.