"Let me educate you and demystify the complex areas of Health and Retirement Income decisions."
— Lic. Steve Jones-Perez
Your Advisor
About Steve Jones-Perez
20+ years educating retirees on protected income strategies and health cost planning across four states.
20+
Years Experience
Meet Your Advisor
Lic. Steve Jones-Perez
Steve Jones-Perez has spent over two decades doing one thing: educating Americans on how to protect what they've worked their entire lives to build. His philosophy is simple — most advisors focus on growing your money. Steve focuses on protecting it.
Before establishing his San Diego practice, Steve traveled nationally educating seniors on Medicare — one of the most complex government programs in existence. That experience gave him a depth of knowledge and a genuine passion for client education that defines everything he does today.
Today, Steve serves retirees and pre-retirees across California, Arizona, Nevada, and Texas — offering no-fee consultations in English and Spanish, virtually and in-person, from his home office in the beautiful Blossom Valley community of San Diego.
State Licenses
The Journey
Two Decades of Client Education
SDSU & Early Career
Steve earned his degree in International Business with an emphasis on Latin America and the Spanish language from San Diego State University in 1997. He went on to live, work, and conduct extensive business in the private sector with Costco de México S.A. de C.V. — an experience that gave him a deep, firsthand understanding of cross-border commerce, business culture, and the financial realities facing families on both sides of the border.
Transition to Financial Services
When Steve began planning his own retirement, he discovered just how complex — and how poorly explained — the process was. Navigating retirement income, Medicare, and health insurance options required an enormous amount of research that most people simply don't have time for. Recognizing that he had a natural talent for breaking down complex topics into plain, understandable language, Steve made it his mission to ensure others wouldn't have to go through the same process alone. That insight became the foundation of everything he does today.
National Medicare Education
Steve traveled nationally educating seniors on Medicare — one of the most complex government programs in existence. This experience gave him a depth of knowledge few advisors can match.
San Diego Practice
A native of the San Diego border region, Steve established Health & Wealth Advisory to serve retirees and pre-retirees across California, Arizona, Nevada, and Texas with a focus on protected income strategies and health cost planning.
20+ Years & 800+ Clients
Today, Steve has helped over 800 clients across four states protect their retirement income, navigate Medicare, and build financial plans that account for every dollar of health and long-term care costs. Not one of his clients has lost a dime of principal due to risk or volatility in the markets.
How We Work
Our Core Values
Education First
We never push products. We educate you on every option available so you can make the decision that's right for your situation — with full confidence.
No-Fee Consultations
Our consultations are always free. We are compensated by the insurance carriers when you choose a product — never by charging you a fee.
Bilingual Service
We serve English and Spanish-speaking clients with equal care. ¡Se habla español! — because your retirement plan should be explained in the language you're most comfortable with.
Regulated & Transparent
Every strategy we recommend is regulated by state insurance departments. No speculation, no Wall Street risk — just protected, proven financial instruments.
Ready to Work Together?
Schedule a no-cost, no-obligation consultation with Steve — virtual or in-person, in English or Spanish.