# Virtual Financial

> Virtual Financial is a US financial services marketing organization founded in 2013. Its public LinkedIn profile now points to Dreams Business Resources, whose DREAMS Score assessment introduces business owners to potential savings and specialist services across debt, retirement, expenses, assets, money management and security. Its historical insurance agency model separated marketing from specialist sales.

- **Founded:** 2013
- **Headquarters:** Placerville, United States
- **Founders:** Mike Hinsvark (Founder / CEO, as listed by BBB), Chris Delfino (Co-founder), Rich Thawley (Co-founder, as listed by BBB)
- **Products:** DREAMS Score, Business specialist introductions, Virtual insurance agency system, Dreams Business Cloud / DREAMS AI Employee
- **Notable:** Company announced an EY Entrepreneur of the Year nomination in September 2015; this was a nomination claim, not an award win., Held a 3D online convention described in its 2015 announcement.

## Products & services

- **DREAMS Score** — Complimentary business assessment and customized report, promoted as a 15-minute consultation covering six areas; currently linked from Virtual Financial’s public LinkedIn profile.
- **Business specialist introductions** — The linked DREAMS offering covers debt and funding, retirement, expense management, assets, money management, and security. Specific services are delivered or reviewed by relevant specialists.
- **Virtual insurance agency system** — Historical remote recruitment, training, marketing, presentations and electronic applications, with specialist sales handoffs through a tier system.
- **Dreams Business Cloud / DREAMS AI Employee** — Related DREAMS software offering for voice AI, appointments, CRM and multichannel follow-up. Public standard tiers list $397, $597 and $797 monthly; terms also describe setup fees. Not a price for the free assessment.

## Achievements

- Company announced an EY Entrepreneur of the Year nomination in September 2015; this was a nomination claim, not an award win.
- Held a 3D online convention described in its 2015 announcement.

## Latest updates

- **2026-05** — Related DREAMS privacy policy updated its stated scope to include Dreams Score, SaaS, Business Cloud and Dreams-branded applications.

## Links

- Website: https://dreamsbusinessresources.com/
- LinkedIn: https://www.linkedin.com/company/virtual-financial-group-vfg
- Twitter/X: https://twitter.com/VirtualFinGroup

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Profile page: https://yespress.io/virtual-financial
Published by YesPress — https://yespress.io
Last updated: 2026-10-25