John Ortiz

Most people I talk to come to me because they're trying to solve a problem. • They're turning 65 and Medicare suddenly feels a lot more complicated. • Their family depends on their income, and they're not sure what steps to take. • They have children and don't know how they're going to pay for college. Different problems. Same challenge. They don't know where to start, what matters, or whom to trust. That's where I come in. I make complicated challenges easier to understand. My job isn't to teach you everything I know. It's to understand where you are, what you want to accomplish, and what matters most to you. Together, we review the options that fit your situation and determine the next step. Some problems don't become obvious until something happens. My responsibility is to help you see them sooner, on your terms, not life's. You may already have professionals you trust, or you may know you need help and aren't sure whom to call. I work with a network of professionals because sometimes a problem doesn't fit neatly within one person's expertise. My professional network includes CPAs, tax professionals, estate planning attorneys, CFPs, HR and employee benefits professionals, and real estate and commercial lenders. When a problem reaches beyond my expertise, that network becomes another resource for my clients. As for my own work, I'm a California-licensed insurance agent with Life and Accident & Health authority. I have specialized training in Medicare, annuities, and long-term care. My work focuses on Medicare, family financial protection, college funding, and retirement protection. Before this chapter of my career, I built three businesses with national footprints and successfully exited all three. I know what it's like to carry a payroll, a personal guarantee, and a family at the same time. That experience shaped the way I work today.