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24901 Dana Point Harbor Drive
Suite 230
Dana Point, CA 92629

Leon James


Extended Care: A Patchwork of Possibilities Your DNA Test The Other Sure Thing

Current challenges facing our economy have created uncertainty for the future of Social Security and Medicare benefits, and developing a retirement plan that will work has become more critical than ever.

Recent market events should compel everyone to review their retirement plan in a more realistic way. After every market correction, plans that were prepared using hypothetical assumptions for growth and inflation rates become irrelevant. Before retirement dreams turn into retirement nightmares, we help you develop a plan that uses an entirely different philosophy – it may change the way you look at retirement.

This strategy was developed exclusively for retirees, those preparing for retirement, and conservative investors who want to protect their nest egg.  Normal is different now. Everything’s changed. We encourage you to ask us for details on how we can help you develop a strategic vision to invest wisely and rest easy.

If your plans for retirement income
that you believe to be true,
turned out not to be true –
when would you want to know?

Helpful Content

Insurance Needs Assessment: For Empty Nesters and Retirees

Insurance Needs Assessment: For Empty Nesters and Retirees

Do your insurance needs stay the same when the nest empties?

Variable Universal Life Insurance

Variable Universal Life Insurance

Variable Universal Life is permanent insurance in which the policyholder directs how premiums are invested.

Insuring Your Business With a Buy/Sell Agreement

Insuring Your Business With a Buy/Sell Agreement

It may help your business be better prepared in the event of the death of a principal or key employee.


An Overview of Renter’s Insurance

Don’t overlook the need for renter’s insurance if you rent your home.

Making Sense Of A Home Warranty

Understanding the value of a home warranty.

Insuring Your Second Home

There are unique risks of owning a second home and obtaining the proper coverage may protect you from financial risk.

Can Group, Private Disability Policies Work Together?

Loss of income from disability has the potential to cause financial hardship. Disability insurance can help.

Protecting Your Home Against Flood Loss

Protect yourself against the damage that your homeowners policy doesn’t cover.

Insurance Needs Assessment: When You're Newly Married

Marriage changes everything, including your insurance needs.

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Long-Term-Care Needs

Determine your potential long-term care needs and how long your current assets might last.

Assess Your Life Insurance Needs

This calculator estimates how much life insurance you would need to meet your family's needs if you were to die prematurely.

Disability Income

This calculator estimates your chances of becoming disabled and your potential need for disability insurance.

Lifetime of Earnings

Estimate how much you have the potential to earn during your working years.

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Protecting Those Who Matter Most

The importance of life insurance, how it works, and how much coverage you need.

Long-Term-Care Protection Strategies

The chances of needing long-term care, its cost, and strategies for covering that cost.

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Extended Care: A Patchwork of Possibilities

What is your plan for health care during retirement?

The Other Sure Thing

Though we don’t like to think about it, all of us will make an exit sometime. Are you prepared?

Your DNA Test

If your family relies on your income, it’s critical to know what their needs would be in the event of your death.

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