PHP Quantum | Financial Services for Families and Business Owners
From Saving Lives to Saving Your Finances. Former 911 paramedics. Now helping families build real wealth.
The information we share is so valuable, if you do not think it was worth your time we will hand you $25 on the way out. No gimmicks. No pitch. Just real education.
Free Appointments. In Person or Zoom.

What can we help you with?

Pick what fits your situation. We will show you exactly what is possible at no charge.

Service 01

Grants and Funding You Never Have to Pay Back

Most business owners and individuals have no idea there is grant money available for their situation. We write and submit the applications on your behalf. You just tell us about your situation and we go to work finding every opportunity that fits.

  • We write and submit 4 grant applications on your behalf
  • Business grants, community grants, and industry-specific funding
  • Scholarships for you and your family through our Foresters carrier
  • 5,000 dollars in funding currently available for qualifying clients
  • You run your life. We handle the paperwork.
Book a Free Appointment to See if You Qualify
$5,000
in grant funding currently available for qualifying individuals and business owners
Grant money is not a loan. You do not make payments. You do not pay it back. We find what fits your situation and handle the entire application process for you.
Service 02

Passive Income and Side Income Starting at $350 a Day

Have you ever thought about earning money without adding more hours to your week? We show you a system where sending one person our way pays you, and getting your license to work with us pays you even more. Most people are surprised at how fast it builds.

  • Referral fees starting at $50 per person you send our way
  • Licensed agents earning thousands per sale
  • Passive residual income that compounds as your book grows
  • Annuities that take 15 minutes to present and earn clients 14 to 30 percent more
  • Training and licensing support included from day one
Book a Free Call to See Your Income Potential
$350
potential per day, starting with referrals. No license required to begin.
Two paths to income:
Refer someone to us and get paid. Or get your Texas Life and Health license and earn on every policy you place. We train you and provide warm leads so you are never starting from zero.
Service 03

Life and Health Insurance That Pays You While You Are Still Alive

Most people think life insurance only pays when you die. Living benefits change that completely. If you get sick, injured, or cannot work, your policy can pay you cash right now. This is the same benefit that paid Jesse Perez $120,000 tax-free when he had stage 3 cancer and could not get out of bed.

  • Living benefits that pay you cash if you get sick or cannot work
  • Income for life annuities that grow with the market and never go down
  • 300 dollars a month grows to over 108,000 dollars in 20 years tax-deferred
  • One carrier takes 15 minutes to present and moves money 14 to 30 percent further
  • Group health insurance for businesses that also attracts and retains talent
Book a Free Call to See What Your Policy Could Do
$120,000
paid to Jesse Perez, tax-free, while he was in bed with stage 3 cancer
He thought you had to die to collect life insurance. He was wrong. Living benefits exist so your family does not have to wait. One policy. One conversation. The rest is handled.
Service 04

Tax Strategies Most Business Owners Never Hear About

If you own a business, there are tax strategies that most accountants never bring up. We use life insurance and annuities to legally reduce what you owe, reward your best employees, and keep them from leaving. One conversation usually changes how a business owner sees their entire financial picture.

  • Tax-advantaged life insurance structures built for business owners
  • Executive bonus plans that reward and retain your key people
  • Section 162 plans that reduce taxable income using corporate revenue
  • Infinity Bank strategy: use your policy like a bank to fund growth
  • Accounting services to keep your books current and your taxes clean
Book a Free Business Strategy Call
What business owners say after the first call:
"I moved 50,000 dollars into the position Abram recommended. Same day, I had 15,000 more in value than I had before. No extra money out of my pocket. Just moving it to the right place."
Thomas K., RGV Business Owner
Service 05

Buying a Business or Real Estate with Creative Financing

Most people think you need years of savings before you can buy a business or a piece of real estate. We show you how to use the money you already have, structured differently, to fund acquisitions without draining your savings or going to a bank. If you have thought about owning something, talk to us first.

  • Business acquisition support and creative funding structures
  • Real estate funding starting with little to no money down
  • Cash value policy loans you can use without a bank or credit check
  • Infinity Bank strategy: your policy funds the deal, then refills itself
  • Accounting and business structure guidance available alongside
Book a Free Call to See What You Can Do
How it works
Build cash value inside a life insurance policy. Borrow against it to fund a business or property purchase. The policy keeps earning as if you never touched it. You pay yourself back instead of a bank. The asset you bought generates income. That income pays off the loan. Now you own the asset and the policy is full again.
This is just one strategy. There are others.
Every situation is different. Depending on where you are financially, there may be a better path to get you into a business or property. We walk through all of it with you on the call.
Give us a call or meet in person to see what fits you →
The People Behind PHP Quantum

Meet the Team

Former first responders, licensed agents, and people who have lived through exactly what our clients face. We are not here to sell you. We are here to show you.

Jesse Perez
Jesse Perez
Co-Founder
Former 911 paramedic. Cancer survivor. The living proof that these policies work when you need them most.
Abram
Abram
Co-Founder
The one who called Jesse from his hospital bed and made sure the living benefits came through. He handles the paperwork so you do not have to.
Michael
Michael
Agent
Helping clients across the country find the right policies, funding solutions, and income strategies for their situation.
Michael and Joe
Michael & Joe
Agents
A powerhouse duo bringing financial education and real solutions to families and business owners nationwide.
Aimee
Aimee
Agent
Passionate about helping people understand what they already have and showing them what is possible with the right strategy.
Why It Cannot Wait

These are not examples. They happened to people we love.

We do not share these to sell you something. We share them because nobody warned us either.

$1,000,000
One payment of $1,100. He passed away one week later.

A man we knew kept putting off getting life insurance. He finally decided to move forward. He made one payment of $1,100 for a $1,000,000 policy. The following week, he was gone. He did not know that was coming. Nobody does.

His family received one million dollars. That one decision was the difference between devastation and protection. The only thing that separates families who are covered from families who are not is one conversation.

A family we know. A decision made just in time.
$120,000
Tax-free. While I was still alive. I am Jesse Perez, and this is my story.

Four years after I got my policies, I was diagnosed with stage 3 cancer. I lost my voice, feeling in my hands and legs, and became so weak I could not get out of bed. I could not work for two years. My family paid $6,000 for my first treatment because I had nothing left.

Abram called and told me I had living benefits. I did not know what that meant. I thought you had to die to collect life insurance. Abram handled the doctor paperwork himself and followed up three times when the office kept losing it.

A few weeks later I received $120,000 tax-free while lying in my bed. That money saved my life and kept my family from losing everything.

Jesse Perez, Co-Founder, PHP Quantum

You do not know what is coming. Neither did we.

Book a Free Appointment Now No obligation. No pressure. Just your numbers.

What people are saying.

See our 5.0 Google Reviews
★★★★★

"Abram and Jesse genuinely care about the people they sit down with. I came in knowing nothing and left with a plan. The energy in this team is unlike anything I have seen."

Maria T.Harlingen, TX
★★★★★

"I moved 50,000 dollars and walked away with 15,000 more that same day. No extra money. Just moving it to the right place. I tell every business owner I know."

Thomas K.RGV Client
★★★★★

"My husband had a heart attack last year. Because of the living benefits in our policy, we received a cash payout while he was still recovering. This policy literally saved our family."

Sandra M.Brownsville, TX
★★★★★

"I referred three friends and PHP Quantum paid me for each one. I was not even trying to make money. The checks just kept coming."

Diana L.Harlingen, TX
★★★★★

"Made more in my first month as an agent than in three months at my regular job. Abram trained me every week and was always there when I had questions."

Roberto M.McAllen, TX
★★★★★

"Abram broke down compound interest in a way nobody ever had. I had money sitting earning almost nothing for 12 years. I wish I had done this in my twenties."

Carlos R.Edinburg, TX

Let us show you your numbers. It is free.

We sit down with you, go through your specific situation, and show you exactly what is possible. Takes 20 minutes.

Zoom Call with Abram or Jesse

Pick any open time. One of us will be there ready to walk through your numbers in real time. Available anywhere in the country.

  • Free 20-minute call. No obligation.
  • Covers all 5 service areas based on what you need
  • Available nationwide via Zoom
  • Thursdays 7pm CST for agent and licensing calls
  • Text Jesse directly: 956-305-5200
Pick a Time to Meet

No pressure. No pitch. Just your numbers.

In-Person Nationwide

We have offices and agents across the United States. Prefer to sit down face to face? There is someone near you.

  • Offices and agents across the U.S.
  • Headquarters: Brownsville, TX
  • Walk-in meetings: Wednesday 7pm and Saturday 10am
  • Free food and coffee at every meeting
  • Covers grants, business, real estate, and finance
Book an In-Person Appointment

3193 W Alton Gloor Blvd M, Brownsville TX 78520  |  956-305-5200

Questions people ask before booking.

Is the call really free? What is the catch?
Yes, completely free. We make money if you decide to get a policy or use one of our services, but there is no pressure on the first call. The goal is to show you what is possible.
Will I be pressured to buy something?
No. Jesse and Abram are former 911 paramedics. We did not get into finance to pressure people. We got into it because we watched families get hurt by things that were preventable. We show you numbers and answer questions. What you do after is your decision.
Is this for me if I do not have much money saved?
Yes. Some of our clients started with $100 a month. The first step is just knowing what is possible for your budget. Come find out where you stand.
What if I already have life insurance or a retirement account?
That is one of the best reasons to call. Most people with existing policies are in the wrong ones or paying too much. We show you exactly what your current plan is doing versus what it could be doing. That is where the 14 to 30 percent difference usually comes from.
Do I need to make any decisions on the call?
No. Take notes, ask questions, go home and think about it. We are not going anywhere. If you want to move forward, we will be here.
What We Believe

We teach people to multiply what they have.
That is not just finance. That is faith.

Matthew 25:16
"Immediately the one who received the five talents went and did business with them and gained five more."
You were given something. We help you put it to work.
Mark 9:23
"Everything is possible for one who believes."
Most people do not think this is possible for them. Come find out.

We are not just a financial services company. We are people who believe that every family deserves to know what is possible. That is why the call is free, the food is free, and the coffee is always on.

Come See Us Wednesday or Saturday

Backed by carriers with 90+ years of proven results

Mutual of Omaha
Mutual of Omaha
Mediator Debt Solution
Mediator Debt Solution
SILAC
SILAC Insurance
National Life Group
National Life Group
F&G Life
F&G Life
Foresters Financial
Foresters Financial
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