Frequently Asked Questions

We provide comprehensive financial planning and insurance services, including life insurance, health insurance, Medicare solutions, disability (income protection), property and casualty coverage, retirement planning, investments, and business protection. Our goal is to help you protect what you've built while creating long-term financial stability.

Yes. We offer free, no-pressure consultations focused on understanding your goals and providing clarity regarding your options.

We review your current situation, identify any risks or gaps, and walk through options that align with your goals. This is an educational conversation, not a sales pitch.

Both. We offer in-person meetings at our Colorado Springs office and virtual consultations for clients nationwide.

Bellona Financial Solutions is an independent financial services firm founded by Adelmarie Rivera. While Adelmarie is contracted with Mutual of Omaha as a financial advisor, Bellona Financial Solutions operates independently and is not owned or controlled by Mutual of Omaha. For all investment services, Adelmarie Rivera offers securities and advisory through Mutual of Omaha Investor Services, Inc.

Financial education provides general information. Financial advice is personalized based on your specific situation. Both are important — but personalized guidance ensures your plan actually works for you.

No. We work with individuals and families at all stages — from just starting out to building and protecting wealth.

Yes. Every recommendation is tailored to your goals, income, lifestyle, and needs.

We offer life insurance, health insurance (including vision, dental, and hearing plans), Medicare supplement and Advantage plans, disability insurance, critical illness coverage, and property & casualty insurance including home, auto, pet insurance, and business.

We evaluate your income, debts, family needs, and long-term goals to determine the right amount of coverage.

Term covers you for a set period. Permanent provides lifelong coverage and may build cash value. The right option depends on your goals.

Yes. We help with Marketplace plans, private options, and supplemental coverage, including Connect for Health Colorado.

We help business owners create strategies for income protection, retirement, and business coverage.

We help veterans navigate TSP rollovers, insurance options, and financial planning for civilian life.

We start with a consultation, review your finances, identify gaps, provide personalized recommendations, and offer ongoing support.

No. My approach is education-first. You make the decisions.

Yes. We can review your current policies and make sure everything still aligns with your goals.

Yes. We proudly serve both English and Spanish-speaking clients. Sí. Ofrecemos educación financiera y servicios de seguros en español para apoyar a nuestra comunidad.

There are options for different budgets. Starting small is better than waiting.

It's never too late. Starting now is what matters.

We focus on transparency, education, and aligning everything with your goals — never pushing products.