"Let me educate you and demystify the complex areas of Health and Retirement Income decisions."
— Lic. Steve Jones-PerezPlain-language guides on retirement, Medicare, and health insurance — written for real people, not financial advisors.
Medicare can feel overwhelming with all its parts and options. Here's a plain-language breakdown of what each part covers, what it costs, and how to choose the right plan for your situation.
Medicare Planning
Running out of money in retirement is the #1 fear among retirees. These five proven strategies can create a guaranteed income stream you can never outlive — regardless of what the stock market does.
If you're a California teacher, state employee, or public servant, your CalPERS or CalSTRS pension is your most valuable retirement asset. Learn how to maximize your benefit and coordinate it with Social Security and Medicare.
Retiring before age 65 means a gap in health coverage. Discover your options — from COBRA and marketplace plans to short-term coverage — and how to keep costs manageable until Medicare kicks in.
Many retirees wonder if life insurance is still necessary once the kids are grown and the mortgage is paid. The answer depends on your specific situation — here's how to think through it clearly.
Claiming Social Security at the wrong time can cost you tens of thousands of dollars over your lifetime. Here's a straightforward guide to the breakeven analysis and factors that should drive your decision.
Schedule a free consultation with Lic. Steve Jones-Perez. No cost, no obligation — just clear answers.
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