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Phone

210-794-0237

Email

[email protected]

Office

1380 Pantheon Way Ste 200

San Antonio, TX

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A word from Fernie

Built to do one thing well.

As the founder of Scarlet Crest Life, I built this firm to do one thing well: help families and business owners protect what matters and build what's next.

I work with a team of trusted advisors and subject matter experts who share my commitment to clear thinking and straight answers. When a client's situation calls for specialized expertise — estate planning, business strategy, advanced underwriting — we bring in the right people. No client gets handed off and forgotten. No question goes unanswered.

Our mission is simple: deliver the best available solutions to safeguard our clients and the people they love, without compromise.

— Fernie Rizo

A word from David

Built to do one thing well.

Born and raised in San Antonio, I've always enjoyed getting to know people and helping however I can.

My background in restaurant management taught me to listen well and work with all kinds of personalities. That foundation carried into my time at New York Life, where I learned how to guide families through important financial and insurance decisions and how much it matters to have an advisor who actually sticks around.

I'm easygoing, people-focused, and always up for a good conversation. Whether you're just getting started or rethinking what you already have in place, my job is simple: help you make confident decisions today and stay on track for the long run.

— David Rangel

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A word from Santos

Built to do one thing well.

Born and raised with a passion for building relationships and helping others succeed, I’ve always focused on creating meaningful connections and delivering real value to the people I work with.

With over 25 years of experience as a licensed insurance advisor, my journey has centered around business development, strategic growth, and helping individuals and organizations make confident financial decisions. Along the way, I’ve learned how important it is to have someone who truly listens, stays involved, and puts clients first.

Outside of work, I enjoy watching sports and spending time with my wife of 27 years and our two sons.