Licensed in multiple states · Based in Las Vegas, NV
(725) 275-3607Financial Planning
One written plan that connects Social Security timing, retirement income, healthcare cost planning and what your family inherits — instead of four disconnected decisions.
Most people arrive at retirement holding pieces: a 401(k) from one employer, an old IRA, a life insurance policy purchased years ago, and a rough idea of when to claim Social Security. Individually each piece may be fine. Together they often leave income gaps in the early years and a tax bill nobody modeled.
Our planning work maps those pieces onto a timeline — what arrives each month, what it costs to cover your health needs, what taxes are owed, and what remains for your family — so decisions are made against a picture instead of a guess. We also bring specialized planning experience for accounting professionals extending services to their clients, and for foreign nationals managing assets held in the United States.
We start with essential monthly expenses and identify which guaranteed sources cover them: Social Security, any pension, and annuity income if appropriate. Whatever remains uncovered becomes the gap the portfolio has to fill, and that number drives every other decision.
Healthcare is the largest variable expense most retirees face. We project premiums, out-of-pocket exposure and prescription costs into your retirement budget, and factor in how income levels can affect surcharges on certain benefits.
Existing policies are audited rather than assumed. We check whether a term policy is about to expire, whether a permanent policy is funded well enough to stay in force, and whether beneficiaries are still the people you would name today.
Nevada charges no state income tax and no state estate tax, which simplifies planning for residents — but federal rules still govern inherited IRAs, and beneficiary designations override wills. Coordinating those details prevents the most common and most expensive family surprises.
We build the monthly income picture against your real expenses. Frequently the answer is a specific date rather than a yes or no — and knowing the date is what lets people plan.
Old 401(k)s, an IRA, a savings account and a policy nobody has looked at in years. We inventory everything and show what each piece is actually contributing.
That is exactly the gap this partnership closes. We become the financial planning arm of your firm, answering advanced questions while your client relationships stay yours.
Beneficiary designations, account titling and liquidity at death are the details that determine whether settling an estate takes weeks or years.
You see what arrives, from where, and whether it covers what you spend.
Costs projected into your plan instead of hoped for.
Withdrawal order and claiming age chosen with the tax consequences visible.
Documented beneficiaries, coverage and instructions so nothing depends on memory.
One meeting turns scattered accounts into a written income picture with dates attached.
Nevada's lack of a state income tax is a genuine advantage for retirees, particularly for clients relocating from California who are used to state tax on every withdrawal. It changes the optimal withdrawal order and is worth modeling rather than assuming.
The valley's workforce also skews toward jobs without pensions, and toward variable, tip-based or self-employed income that makes historical earnings — and therefore Social Security estimates — harder to read. We work from your actual statement rather than a rule of thumb.
Because we also place life insurance and annuities, protection is built into the plan from the first meeting instead of bolted on later by a different office across town.
Serving Las Vegas, Summerlin, Henderson, North Las Vegas, Spring Valley, Enterprise.
The consultation and the plan review are free. We are compensated by insurance carriers when you choose to place coverage through us, and there is never an obligation to do so.
It depends on your health, whether you are still working, your spouse's benefit and how much guaranteed income you already have. Claiming early permanently reduces the benefit; delaying past full retirement age increases it. We compare the scenarios on your own statement.
There is no universal figure. The workable approach is to total your essential monthly expenses, subtract guaranteed income such as Social Security and any pension, and size the portfolio to reliably cover the remainder for thirty years.
Jaime becomes the financial planning arm of your practice — supporting you behind the scenes or joining client conversations directly, while you remain the lead financial planner and your client relationships stay yours.
We are a financial planning and insurance practice, not an investment manager. Our work covers income strategy, insurance-based guarantees, healthcare cost planning and beneficiary coordination, and we are glad to work alongside your existing investment professional or CPA.
Yes. The full planning conversation, all documents we walk through and every annual review can be conducted in Spanish.
Call (725) 275-3607 or book an appointment and we will build the picture together.
Financial services partnership for accounting professionals
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
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
