"Let me educate you and demystify the complex areas of Health and Retirement Income decisions."
— Lic. Steve Jones-Perez
20+ Years Educating Retirees · San Diego, CA
Protect Your Retirement.
Control Your Future.
Most advisors focus on growing your money. We focus on protecting it — with regulated, risk-free strategies that guarantee retirement income, no matter what the market does.
Our Approach
Two Pillars of a Secure Retirement
Most people plan for retirement income — but forget to plan for health and long term care costs. We address both.
Protected Retirement Strategies
Using regulated financial instruments, we build retirement income plans that cannot lose value due to market downturns. You participate in market gains while sitting on the bench during losses. Never lose a dime of principal again.
Explore Retirement Strategies
Health Insurance Cost Planning
Health insurance is a major monthly expense for life — and most agents never explain it from a financial perspective. We assess your health and financial needs together, factoring in Medicare, ACA subsidies, and long-term cost projections so your retirement income plan accounts for every dollar.
Explore Health PlanningAreas of Practice
Our Specialty Services
401k & IRA Rollovers
Is your 401k or IRA losing money, or are you fearful that recent economic conditions will depress or even crash the markets? Acting prudently and preserving record stock market returns in your retirement portfolio is paramount. Study and learn from the Great Recession of 2007–09; what goes up, must come down — you simply don't need it to happen during your retirement or just prior to...
Annuities
Many investment advisors label them as "bad investments," but I beg to differ. It is a no-risk certificate of deposit with an insurance company, with many paying record high fixed and guaranteed interest rates, with others indexed to the stock market. You cannot lose money, will preserve principal, and it can be converted into a guaranteed lifetime income if so desired — but that is entirely optional. You are in total control of your money and risk tolerance.
Medicare and/or Medicaid Planning for Long Term Care
Free expert guidance on this complex program for those 65+, disabled under 65, or with End Stage Kidney Disease. Steve traveled nationally educating seniors on this critical benefit and has become a trusted advisor in the area for a prominent Elder Law practice in San Diego.
Health Insurance
Health coverage for individuals and families, with potential Federal and State subsidies via CoveredCA. Explained from a financial perspective — not just a coverage one.
Life Insurance
Top A-rated coverage to protect your family and preserve intergenerational wealth tax-free. Life insurance can also create an additional tax-free retirement income stream.
Disability Insurance
Before the 2008 mortgage meltdown, the #1 cause of foreclosure was disability. Protect your family, business, and estate from unforeseen disabling events.
Estate Planning for High Net Worth Individuals
Preserve and transfer generational wealth with strategies designed to minimize estate taxes, protect assets, and ensure your legacy reaches the people and causes you care about — on your terms.
Capital Gains Reduction Strategies on Large Asset Liquidation
Selling a business, real estate, or other large assets can trigger significant capital gains taxes. We help high-net-worth individuals implement proven, regulated strategies to reduce or defer that tax burden — keeping more of what you've earned.
Retirement Relocation / Business Consulting — Mexico
Steve is an International Business professional who began his career managing millions of dollars of US exports to Mexico for Costco Wholesale. He has lived, worked, and dealt with governmental entities in-country — including Comisión Federal de Electricidad (CFE) — speaks fluent Spanish, and has traveled extensively throughout Mexico over the last 50 years.
Most advisors focus on growing your money.
We focus on protecting it.
— Steve Jones Perez — 20+ years educating retirees across California, Arizona, Nevada & Texas
Client Stories
What Our Clients Say
Real people. Real peace of mind.
"Steve explained Medicare in a way no one ever had. We finally understood our options and saved hundreds a month. He genuinely cares about his clients."
Robert & Linda M.
San Diego, CA
"We rolled over our 401k and now have guaranteed income we can't outlive. The virtual consultation was easy and Steve walked us through everything step by step."
Carlos & Maria G.
Chula Vista, CA
"I was overwhelmed by health insurance options after retiring. Steve assessed my full financial picture and found a plan that fit both my health needs and my budget."
Patricia H.
Phoenix, AZ
Get Started
Ready to Protect What You've Built?
Schedule a no-cost, no-obligation virtual consultation. We'll review your current situation and show you exactly how protected retirement strategies can work for you — in plain language, no jargon.