About
Meet the team
Jon Loyhayem
Founder & CEO
Jon Loyhayem entered financial services at 19 and has devoted his career to helping families fiercely protect what they have built over their lifetime. He advanced quickly, becoming a manager at 21 and a senior manager at 26, well ahead of most peers who typically reach that level in their fifties. He went on to expand the company's practice, opening multiple financial service offices throughout Arizona, Michigan, and Southern California.
Jon founded ALEVO Financial in 2020 after a difficult decision to leave behind everything he built so every recommendation could be guided by his principles and his clients’ best interests, rather than those of a large corporation.
For more than a decade, Jon’s focus has been retirement income planning and safe-money strategies that reduce unnecessary risk and create dependable, guaranteed income options. Jon understands the moment when retirees realize that time is the one resource they can no longer take for granted. He is a member of the prestigious Top of the Table, placing him among the top one percent of financial professionals nationwide. Jon has guided hundreds of families from accumulation to preservation and distribution, helping retirees and surviving spouses create clear, predictable income plans designed to last as long as they do.
Clients describe Jon as steady, prepared, and patient. He listens first, explains every step in plain language, and works hard to earn trust through consistent follow-through.
Outside the office, Jon enjoys weightlifting, surfing, personal development, charity work, and meditation. Years of dedication also earned him a black belt in Hapkido. He brings that same discipline and commitment to each client relationship, aiming to deliver confidence and peace of mind throughout retirement.
Nvard Gayanyan
Legacy Planning Specialist
Nvard Gayanyan is on a mission to transform the way people think about and engage with their financial futures. Specializing in life insurance, college planning, retirement strategies, and business protection, she helps individuals and business owners navigate the often-overwhelming world of financial planning—making it understandable, approachable, and even enjoyable.
Since entering the industry in 2013, Nvard has achieved numerous professional milestones, including being recognized as the youngest six-figure earner and senior manager in her field. Beyond her accomplishments, what truly drives her is helping clients feel confident in their financial decisions. She believes that when people understand their options, they’re not just securing their future—they’re empowered to make informed decisions that lead to peace of mind.
One of Nvard’s most unique strengths is her ability to make difficult conversations about money and insurance feel approachable. While topics like life insurance can be daunting, Nvard has a way of breaking them down in a way that resonates with people, making them eager to learn more and take control of their financial future. Her confidence in her craft, paired with her dedication and maturity beyond her years, has allowed her to grow her business and continue helping clients at a high level.
In addition to working with clients, Nvard is also a dynamic speaker, training licensed agents and educating large audiences on how money works. She has spoken in front of over 2,000 attendees, inspiring others to take charge of their financial lives while also empowering agents to grow in their careers.
If you’re looking for a financial expert who can make the sometimes-daunting world of money feel approachable, confident, and even exciting, Nvard would love to connect. Together, she can help turn your financial questions into opportunities for growth—and a brighter, more secure future.
Nicole Tuberios
Transfer Department
Nicole Tuberios is the backbone of our Transfer Department, ensuring every submitted case moves seamlessly from approval to funding. Her meticulous attention to detail and proactive communication keep the transfer process running smoothly between carriers and our company, giving both agents and clients peace of mind that their cases are in capable hands.
What drives Nicole in her role is the opportunity to make a tangible difference in the client experience. She thrives on keeping everything running smoothly behind the scenes, coordinating with agents and carriers to ensure nothing falls through the cracks. Nicole takes pride in helping clients feel confident that their cases are handled correctly and efficiently, and she values the collaborative spirit of working closely with her team.
"I love that my role allows me to make a real difference in our clients' experience," Nicole shares.
"I appreciate how we're always encouraged to keep learning and evolving."
When she's not managing transfers, Nicole enjoys exploring her creative side through cooking and writing or journaling. She's also an avid series watcher and loves traveling to discover new places and experiences.
With her commitment to excellence and client-focused approach, Nicole ensures that every transfer is more than just a transaction—it's a smooth, stress-free experience for everyone involved.
Melissa Ramirez
Client Relations
Melissa Ramirez is the heart of our Client Relations team, dedicated to creating meaningful connections that last from the first seminar introduction through every milestone of the client journey. Her role is all about ensuring clients have the information and support they need—whether they're attending their first seminar, transitioning into valued clients, or receiving thoughtful follow-up after their cases are complete.
What sets Melissa apart is her genuine passion for people. With a deep interest in human nature and psychology, she's fascinated by understanding how the mind works and what makes each person unique. This natural curiosity, combined with her warm personality, allows her to connect authentically with clients and make them feel heard, valued, and supported throughout their experience.
Melissa's love for conversation and her empathetic approach ensure that no client feels like just a number. She's committed to nurturing relationships and being a trusted point of contact, helping clients feel confident and informed every step of the way.
When she's not building relationships with clients, Melissa enjoys spending time in nature—whether hiking scenic trails or swimming. She's also a movie enthusiast and loves experimenting with new recipes in the kitchen, always exploring ways to connect with the world around her.
With her people-first philosophy and dedication to understanding what clients truly need, Melissa ensures that every interaction is meaningful and that our clients feel genuinely cared for from start to finish.
Events
Always Evolving Insurance Agency
Contact Us
Email: [email protected]
CA Phone: +1 424-436-3963
ID Phone: +1 208-296-6058
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