"Let me educate you and demystify the complex areas of Health and Retirement Income decisions."
— Lic. Steve Jones-Perez
What We Offer
Our Services
Regulated, risk-free strategies for retirement income and health cost planning — explained in plain language, never pushed.
Pillar One
Protected Retirement Income Strategies
Using regulated financial instruments, we build retirement income plans that cannot lose value due to market downturns — while still participating in market gains.
401k & IRA Rollovers
When you leave an employer or retire, your 401k or IRA doesn't have to stay where it is — and it probably shouldn't. We help you evaluate your options and, when appropriate, roll those funds into a protected vehicle that participates in market gains while sitting on the bench during downturns. You never lose principal again.
- Preserve principal — zero loss during market downturns
- Participate in index-linked market gains
- Tax-deferred growth continues uninterrupted
- Guaranteed lifetime income options available
- No surrender charges on properly structured rollovers
Annuities
Annuities are one of the most misunderstood financial products — and one of the most powerful when used correctly. Steve educates clients on every type: fixed, variable, indexed, and income annuities. We never push a product. We explain how each works, who it's right for, and let you decide.
- Fixed annuities — guaranteed rate, zero market risk
- Fixed indexed annuities — upside potential, downside protection
- Income annuities — guaranteed paycheck for life
- No-fee education — we explain all types objectively
- Regulated by state insurance departments
Estate Planning for High Net Worth Individuals
Building wealth is one challenge. Keeping it in the family is another. We work with high-net-worth individuals to structure their estates in ways that minimize tax exposure, protect assets from creditors and litigation, and ensure a smooth, intentional transfer of wealth to the next generation — or to the causes they care about.
- Minimize estate and inheritance taxes
- Asset protection from creditors and litigation
- Trust structures for generational wealth transfer
- Tax-free wealth transfer via life insurance strategies
- Charitable giving and legacy planning
Capital Gains Reduction Strategies
Selling a business, investment property, or other large asset can trigger a tax bill that takes a significant bite out of your proceeds. We help clients implement legal, regulated strategies to reduce or defer capital gains taxes — so more of your money stays working for you and your family.
- Structured installment sales to spread tax liability
- Opportunity Zone investments for deferral and reduction
- 1031 exchanges for real estate asset swaps
- Charitable Remainder Trusts (CRTs) for philanthropic clients
- Coordination with your CPA or tax attorney
Pension Advisory (Defined Benefit Plans)
If you have a pension — also known as a Defined Benefit Plan — through a public employer such as CalPERS, CalSTRS, a city, county, or federal agency, you have important decisions to make at retirement that cannot be undone. Steve helps you understand your payout options, survivor benefit elections, and how your pension coordinates with Social Security, Medicare, and your overall retirement income plan.
- CalPERS & CalSTRS payout option analysis
- Survivor benefit election guidance
- Pension + Social Security coordination
- Pension + Medicare coordination
- Lump sum vs. monthly income comparison
- Integration with annuities for income gap coverage
"Most advisors focus on growing your money. We focus on protecting it."
— Lic. Steve Jones-Perez
Pillar Two
Health & Long Term Care Cost Planning
Health insurance is a major monthly expense for life. We assess your health and financial needs together so your retirement plan accounts for every dollar.
Medicare Advisory — San Diego & Border Region
Why is Medicare so confusing? Because it has dozens of moving parts — and most people enter it without a guide. Steve traveled nationally educating seniors on Medicare before settling in San Diego. He explains Medicare Advantage vs Medicare Supplement in plain language, helps you find the cheapest Medicare plan for your situation, and answers questions like: Does Medicare cover dental? Can I use Medicare abroad or near the Tijuana border? When should I sign up? This is free education — no pressure, no sales pitch. Necesito ayuda con Medicare? Se habla español.
- Medicare Advantage vs Medicare Supplement — side-by-side comparison
- What is the cheapest Medicare plan for me? — we find it
- Does Medicare cover dental, vision, hearing?
- Does Medicare cover me overseas, in Mexico, or near Tijuana?
- When should I sign up for Medicare — avoid late penalties
- Covered California agent help — English & Spanish (coveredca en español)
- Self-employed health insurance California options
- What is Obamacare and does it work with Medicare?
Health Insurance (Under 65) — Covered California Agent
What are health insurance costs in retirement before Medicare kicks in? This is one of the biggest gaps in retirement planning. Steve is a licensed Covered California agent who helps self-employed individuals, early retirees, and families find affordable health insurance in California. We factor in ACA marketplace plans, CoveredCA subsidies, and long-term cost projections so your retirement income plan accounts for every dollar of healthcare spending. Covered California help in English and Spanish.
- ACA Marketplace plan comparison and enrollment
- CoveredCA Federal and State subsidy analysis
- Individual and family coverage options
- Short-term health plans for coverage gaps
- Health cost projection integrated into retirement plan
Life Insurance — Term, Permanent & Burial Coverage
Can I get life insurance with pre-existing conditions? Can I get life insurance if I'm uninsurable? The answer is often yes — and Steve works with top A-rated carriers to find options most people don't know exist. Term vs permanent life insurance explained clearly. Life insurance is also a powerful retirement tool: equity indexed life insurance annuities, IUL policies for tax-free retirement income, using life insurance to get a higher pension payout, and ILIT (Irrevocable Life Insurance Trust) strategies for estate planning. We find the cheapest life insurance premiums from the best life insurance companies — and show you alternatives to life insurance when they make more sense.
- Term vs permanent life insurance — which is right for you?
- Cheapest term life insurance & cheapest life insurance premiums
- Best permanent life insurance — whole life, IUL, universal life
- Life insurance with pre-existing conditions — options exist
- Life insurance for uninsurability — guaranteed issue & graded benefit
- How can I get burial insurance / final expense coverage
- Equity indexed life insurance annuity for retirement income
- How do I use life insurance for retirement — tax-free income strategies
- Using life insurance to get a higher pension payout
- ILIT — Irrevocable Life Insurance Trust for estate planning
- Critical illness benefit life insurance riders
- Alternatives to life insurance — when annuities or other tools work better
Disability Insurance — Can I Get Disability Insurance?
Can I get disability insurance? Yes — and you probably need it more than you think. Before the 2008 mortgage meltdown, the #1 cause of foreclosure in America was disability — not job loss. One unexpected illness or injury can derail decades of financial planning. We help individuals, self-employed workers, families, and business owners find the right disability coverage to protect their income, their mortgage, and their retirement plan against disabling events.
- Can I get disability insurance? — yes, options for most situations
- Short-term and long-term disability coverage
- Own-occupation disability for professionals & self-employed
- Business overhead expense coverage
- Mortgage protection disability riders
- Group and individual policy options
Long Term Care Insurance — Can I Get Long Term Care Insurance?
Can I get long term care insurance? Even with health issues, options exist. Long term care is the single largest unplanned expense in retirement — and most people have no plan for it. We educate clients on all three approaches: traditional LTC insurance, asset-based LTC life insurance (where your death benefit doubles as a LTC benefit — a critical illness benefit life insurance strategy), and LTC annuities. The right solution depends on your health, age, and financial picture — and we explain all options objectively with no pressure.
- Traditional long term care insurance
- Asset-based LTC life insurance (hybrid policies)
- Annuities with LTC riders
- Home care, assisted living & memory care coverage
- Protect retirement assets from care costs
- Preserve your estate for your heirs
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
Not Sure Where to Start?
Schedule a no-cost, no-obligation consultation. We'll review your situation and show you exactly which strategies apply to you.