Business
Erika Del Toro, a big influence in the financial industry

Moving to the U.S was the first part of Erika’s journey, as she always knew that she was going to make things happen for herself. Her gut instinct always reassured her, and she was focused on being an entrepreneur and making a name for herself. Del Toro describes herself as a self-made millionaire, a life insurance agent, and one of the first Latinas to cross a million in income as an agent. Erika is also the co-owner of PHP agency alongside her siblings.
Toro is a big influence and motivational speaker in the Latina community, Erika Del Toro managed to create amazing opportunities for herself and her PHP Agency and built her own empire, which has now made her a millionaire. She pours so much belief in so many people’s lives, and always states when you pay people’s bills, yours are paid on its own.
She plunged into real estate after many people advised her to read self-development and entrepreneur books. After succeeding in that field Erika’s sister suggested they dive into the life insurance industry. Although the idea of starting a new company from scratch was nerve-racking, Del Toro always says success tastes good after the struggle, and diving into that side of the industry was one of the best decisions she has made.
When asked what legacy would you like to leave behind for yourself? Erika Del Toro responded with: “I was able to inspire my Latin community that anything is possible. Success tastes good after the struggle, is one of my own quotes. What I mean by that is when you work hard you can accomplish anything.”
Understand success with @erikarubideltoro on Instagram
Business
Derik Fay: A Multifaceted Entrepreneur, Investor, and global business leader

Derik Fay is a renowned celebrity entrepreneur, investor, and business leader with a diverse portfolio of successful ventures and a deep-seated passion for empowering others. His journey from humble beginnings to his extraordinary achievements is a testament to his resilience, strategic thinking, and unwavering commitment to making a positive impact on the world.
Born on November 19, 1978 and raised in Westerly, Rhode Island, Fay’s entrepreneurial spirit emerged at a young age. He founded his first large company at 22 (Around the Clock Fitness) that quickly became Floridas largest, and most successful independently owned fitness chain in the state before selling it to the publicly traded company Towns Sports International in 2109.
Sine that time he has built and scaled over 30 highly successful companies, achieving remarkable exits in the 7-to 9-figure range. His expertise spans various industries, including health & fitness, real estate, financial services, hospitality, and technology to name just a few.
Fay is also the founder and CEO of his main holding company 3F Management, (founded 2094) a venture capital and operational management firm that provides operational infrastructure, financial support, strategic partnerships, and other value add services directionally focused towards scaling and exiting.
Under the umbrella of 3F Management, Fay currently owns, is a co-owner, or is a cap table advisory member of over 40 other successful and growing brands.
Tycoon Payments, Results Roofing, BKFC, ManCandy, Fort North Media, Spintel, SendBuzz, Ritas Italian ice, FayMS Films, Eratyc Entertainment, Tycoon Funded, Pure Peptide Solutions, and 3F Financial, are just a few of the rapidly growing companies and brands that fill Fay’s entrepreneurial days.
Beyond his business ventures, Fay is a dedicated philanthropist, actively supporting various charities and causes. He is passionate about empowering the next generation of entrepreneurs and believes in the power of education and mentorship to create positive change.
Fay’s personal life is as fulfilling as his professional achievements. He is a devoted father to his two daughters, Sophia Fay (18) and Isabella Fay (16), and is engaged to his fiancée, Shandra Phillips (35) and is to be married in January 2026, in Naples Florida.
He enjoys spending time with his family, traveling, and pursuing his life long passion of health and fitness thru weightlifting and bodybuilding.
Derik Fay’s multifaceted career and unwavering commitment to excellence has established him as a respected figure in the business world, and a has gained global notoriety as role model for aspiring entrepreneurs.
His story is such an inspiration to all who seek to overcome challenges, achieve their goals, and make a meaningful impact on the world that Netflix is in post production on the documentary style film about Fays life journey from poverty to global success.
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