Licensed in TX, CA, UT, AZ, WA, FL and CO · Based in Las Vegas, NV
Protecting Your Health, Your Life and Your Legacy
Jaflo Insurance Services is an independent, bilingual brokerage led by Jaime Flores. We compare Medicare Supplement (Medigap) and Medicare Advantage plans and health coverage first, then protect your life and legacy with life insurance, annuities and financial planning — including specialty work with accounting professionals and foreign nationals holding U.S. assets.
Book a consultation at no cost. We are paid by the carriers, not by you.
Who I serve
Two specialties sit at the center of the practice. Everything else — financial planning, life insurance and annuities — remains open to every household that reaches out.
Accounting Professionals
Jaime works alongside CPAs, EAs and bookkeepers, integrating financial services into the practice they already run. He becomes an extension of the firm and handles the advanced planning conversations clients bring to their accountant.
- Advanced financial planning support inside your existing practice
- An extension of the firm — your client relationships stay yours
- Coverage for clients across several states where Jaime is licensed
Foreign Nationals with U.S. Assets
If you hold assets in the United States, Jaime helps you protect that wealth, preserve your legacy and build a long-term strategy around it — fully in English or Spanish, whichever you prefer.
- Wealth protection strategies for U.S.-held assets
- Legacy and beneficiary planning across borders
- Every conversation available in English or Spanish
Individuals, families and retirees are welcome too — the door is open to anyone who wants a straight comparison.
Health, life and legacy — protected in one place
As an independent practice licensed in several states, we are not tied to one carrier. We compare the companies competing for your business and recommend the strategy that fits your goals, your budget and your timeline, then stay available afterward when questions come up.
Medicare & Health Insurance
Medicare Supplement (Medigap) and Medicare Advantage plans compared side by side across carriers, with your doctors and prescriptions checked before you enroll. Health coverage for the years before 65 too.
- Medicare Supplements (Medigap) — Plan G, Plan N and more
- Medicare Advantage HMO and PPO plans in your county
- Prescription coverage priced against your medication list
Financial Planning
One conversation that ties it together: retirement income, healthcare cost planning, taxes on withdrawals and what your family inherits — mapped year by year.
- Retirement income and Social Security timing
- Healthcare cost planning for retirement
- Beneficiary and legacy coordination
Life Insurance
Term, whole life and indexed universal life coverage sized to the mortgage, the kids and the income your family would lose — with honest answers about what you can skip.
- Term life for mortgage and income replacement
- Whole life for final expenses and legacy
- Indexed universal life for tax-advantaged cash value
Annuities
If running out of money is the fear, an annuity can convert part of your savings into predictable lifetime income without exposing it to the next market drop.
- Fixed annuities with guaranteed declared rates
- Indexed annuities with principal protection
- Lifetime income riders and rollover reviews
Not sure which strategy you actually need?
Book an appointment. Twenty minutes is usually enough to know whether your current plan is doing its job.
A licensed local financial planner, not a call center
Most people who call us have already been buried in mailers and cold calls. Jaime Flores is fully bilingual in English and Spanish, licensed in TX, CA, UT, AZ, WA, FL and CO, and he takes the meeting himself — starting with your goals and concerns rather than a product pitch, and never charging a fee for the advice.
Fully bilingual, licensed in six states
English and Spanish at every step, with licensing in Texas, California, Utah, Arizona, Washington, Florida and Colorado.
For accounting professionals
Jaime integrates financial services into accounting firms' existing practices, acting as an extension of the firm to solve advanced planning needs for their clients.
For foreign nationals
If you hold assets in the United States, we help protect that wealth, preserve your legacy and build a long-term strategy around it.
Goals first, solutions second
The first meeting is about what you want — retirement, legacy, tax-free income, wealth protection. Personalized recommendations come in a follow-up meeting.
Built around how retirement actually works in Las Vegas
Las Vegas is a service-economy city. Many of our clients spent decades in hospitality, construction or gaming without a pension, and they retire holding a 401(k) and a lot of uncertainty. That is exactly the gap financial planning, annuities and life insurance are built to close.
Healthcare cost planning, withdrawal order and Social Security timing all change which strategy is genuinely the best value for a given household — and none of that shows up in a generic worksheet.
- Retirement income planning tailored to Nevada residents
- Healthcare cost projections built into every plan
- 401(k) and IRA rollover conversations for retiring workers
- Coverage for self-employed and 1099 valley workers
- Spanish-language appointments across the valley
- Partnership support for accounting firms across the region
How the complimentary consultation works
- 1
Tell us what you have now
A short call about your income, savings, goals and who depends on you. Nothing is required in writing and there is no cost.
- 2
We compare real options
You see the actual strategies available to you, side by side, with the trade-offs named out loud — including when your current plan is already the right one.
- 3
Implement and stay supported
We handle the paperwork, confirm effective dates, and review your plan every year so it keeps matching your life.
Financial services partnership for accounting professionals
The financial services arm of your accounting practice
Modern. Seamless. Built around your practice. As a proud partner of National Life Group, Jaime Flores embeds financial services directly into accounting firms.
This is not a referral program. It is a true strategic partnership designed for accounting firms: your clients stay your clients, you remain the lead financial planner, and we supply the specialized expertise behind the scenes or in the room with you.
Proud Partner of National Life Group
What this partnership delivers
- Integrated financial services embedded into your existing workflow
- Expanded client solutions — no hiring, no added overhead
- Full preservation of your client relationships
- A future-ready model that elevates your firm's value
How we work with your firm
- Act as the financial services arm of your practice
- Support you behind the scenes or join client conversations as needed
- Deliver specialized expertise while you remain the lead financial planner
- Help you navigate increasingly complex client needs
Practice impact
- Broader service offering with zero additional overhead
- Stronger client retention and deeper client relationships
- A meaningful new revenue stream
- Clear differentiation in a changing accounting marketplace
- A scalable model built specifically for accountants
Client opportunities we help you solve
- Advanced tax mitigation strategies
- Potential higher returns on retained earnings
- Business exit and succession strategy
- Estate strategies
- Retirement and long-term financial solutions
- Protection gaps
Why firms choose this model
Not a referral program — a true partnership
You stay in control, we supply the expertise
No disruption to your existing practice
Built for long-term growth and client value
Let's connect
Questions clients ask first
How much does it cost to work with a licensed financial planning practice?+
Nothing. Consultations and plan comparisons are free to you. Insurance carriers pay a set commission that is already built into the product, so your rate is the same whether you work with us or on your own.
How do you work with accounting professionals?+
As an extension of the firm. Jaime integrates financial services into an accounting practice's existing work, so advanced planning questions clients bring to their CPA, EA or bookkeeper get answered without the firm building that capability in-house. Client relationships stay with the firm.
I'm a foreign national with assets in the United States. Can you help?+
Yes — it is one of our two specialties. We help foreign nationals protect wealth held in the U.S., preserve their legacy and build long-term strategies, in English or Spanish.
What does a financial plan with your practice actually include?+
A retirement income strategy, healthcare cost projections, a review of your existing life insurance and annuities, and a legacy and beneficiary plan — all mapped onto a single timeline you can follow year by year.
Do you only handle financial planning?+
Financial planning sits at the center of the practice, but we also place term, whole and indexed universal life insurance, and fixed and indexed annuities, building retirement income plans for people who are still working.
Can we meet in Spanish?+
Yes. Every part of the process — the consultation, the paperwork, the annual review and help understanding correspondence from a carrier — is available in Spanish.
Where are you licensed and who can you serve?+
Jaime is licensed in several states, so we serve clients well beyond the Las Vegas valley by phone or video, and we meet in person around Las Vegas, Summerlin, Henderson and North Las Vegas.
Get a straight answer from a licensed financial planner
Call (725) 275-3607 or book an appointment — for your household, your firm's clients or your U.S. assets — in English or Spanish, with no obligation.