What We Do
Three Paths to a Secure Retirement
Every client is different. I offer three powerful strategies to protect your money, grow it safely, and ensure you never outlive your income.
Index Universal Life (IUL)
Tax-Free Growth & Protection
Grow your savings linked to the S&P 500 — with ZERO market loss risk. Access your cash value tax-free in retirement. Includes living benefits and a death benefit for your family.
Fixed Index Annuities
Guaranteed Growth, Zero Risk
Earn growth tied to market indexes with a guaranteed floor of zero. Your principal is 100% protected. Perfect for those who want growth without the risk of losing what they've saved.
Social Security Optimization
Maximize Every Dollar You've Earned
96% of Americans leave Social Security money on the table. As a Registered Social Security Analyst (RSSA), I help you determine the optimal time to claim and maximize your lifetime benefits.
About Jesse
28 Years of Trust.
A Lifetime of Legacy.
Born and raised in California, I've spent my entire career serving families across the state. I started in real estate in 1998 with REMAX — earning the Lifetime Achievement Award, Hall of Fame status, and Platinum membership — and I've never stopped learning how to better serve my clients.
In 2024, I added my life insurance license because I saw a massive need: over $55 trillion in Baby Boomer and Gen X retirement savings is moving out of the stock market over the next decade. My mission is to help those families protect their money, grow it safely, and keep every dollar tax-free. I'm currently completing my Registered Social Security Analyst (RSSA) certification to help clients maximize every benefit they've earned.
What Does LSRT Mean?
Our name is our promise. Every strategy we recommend must meet all four pillars of sound financial planning — the same principles taught by leading financial educators and proven by decades of retirement planning research.
Liquidity
Your money is accessible when you need it. No penalties, no waiting. You own and control your savings.
Safety
Your principal is protected from market losses. When the market drops, your balance does not go down.
Rate of Return
Your money grows linked to market indexes like the S&P 500, capturing gains without the downside risk.
Tax-Free
Contributions grow tax-deferred and withdrawals are tax-free. Keep every dollar you've earned in retirement.
Simple Process
How It Works — 3 Easy Steps
Getting started takes less than 2 minutes. No paperwork, no obligation, no pressure.
The Hard Truth
Your 401(k) Is Tax-Procrastinated,
Not Tax-Advantaged
A 401(k) defers taxes to retirement — when you may be in a higher tax bracket. Uncle Sam is your silent partner, owning a portion of every dollar you've saved.
The 401(k) Reality
You have $1,000,000 in your 401(k). You want $6,000/month net income in retirement.
61% of Baby Boomers fear outliving their money more than death. — Allianz Life Insurance, 2010
The IUL Strategy
Same $1.25M in a properly structured IUL. Same goal: maximum retirement income.
Zero is the hero: 0% floor means you never lose principal to market crashes. In 2008, when the S&P 500 dropped 40.83%, IUL clients earned 0% — no loss.
Results vary based on individual health, age, funding amount, and policy design. This is a general illustration, not a guarantee.
See What This Looks Like for MeClient Stories
Families Across America Retiring With Confidence
Real clients. Real results. Working with Jesse remotely is simple — everything is handled by phone, video call, and e-signature.
"Jesse took the time to explain everything in plain English. We finally understand how our money can grow tax-free and still be protected. We did everything over Zoom and it couldn't have been easier. We wish we had found him 10 years earlier."
"I had over $800,000 in my 401(k) and had no idea how much I was going to owe in taxes when I retired. Jesse showed me a strategy that changed everything. He walked me through every step remotely — professional, patient, and thorough."
"Jesse helped us figure out the best time to claim Social Security. We're going to receive tens of thousands more over our lifetime. We never had to leave our home — he handled everything by phone and email. He's the real deal."
"I was skeptical at first — I'd never worked with an insurance broker remotely. But Jesse made it completely seamless. He explained the IUL concept clearly, answered every question I had, and I feel so much more secure about my retirement now."
"After losing sleep worrying about market volatility wiping out our savings, Jesse introduced us to Fixed Index Annuities. Zero loss risk, guaranteed growth — exactly what we needed. The whole process was smooth and done entirely online."
"I had no idea I was leaving so much Social Security money on the table. Jesse ran the numbers and showed me a claiming strategy that adds over $90,000 to my lifetime benefits. Best financial decision I've made in years."
All consultations available by phone, video call, or in person. E-signature accepted in all licensed states.
Get Started Today
Your Free Retirement Review
Schedule a no-obligation, 30-minute call with Jesse. We'll review your current retirement strategy and show you exactly how much more you could be keeping — tax-free.
Common Questions