Welcome to Design Benefits Financial & Insurance Services

Helping You Secure Financial Peace-of-Mind

 

Reduce Your Financial Risk In Retirement

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Discover The One Critical Strategy To Protect and Grow Your Money

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About Us

Who We Are At Design Benefits Financial & Insurance Services

 

Mel Aguilar

Rommel Aguilar, RFC | Retirement Planning Specialist

Since 1986, Mel Aguilar has made a profound impact on his clients throughout their working and retirement years. What makes him unique is that he is passionate about achieving his clients’ goals and providing them solutions to live the life of their dreams. Mel fixes broken retirement plans and makes good plans even better. He is the “go-to-advisor” for those who want no-nonsense, straight, honest answers.

With all of the economic turmoil in the markets, the United States and around the world, it’s more important than ever to keep your wealth safe and secure…but also growing.

Mel attended UCLA and is a Registered Financial Consultant. He has been a licensed insurance professional for nearly 30 years and has clients living all across the U.S. and some who have retired abroad.

Mel, his wife Jennifer and their two young children reside in the Northern California Bay Area. He has been living, working, and playing in the Bay Area since 1991, making his home in the wine country of Sonoma County. Mel’s favorite activities include travel to warm-weather destinations, reading, fishing, radio control boat racing, and he is an accomplished chef. His personal joys come from spending quality time with his family.

Most importantly, Mel’s mission is to help you avoid losing money in the Wall Street Casino, and instead to build your wealth to an abundant income cash flow lifestyle. Regardless of your financial situation, Mel will help you get on the path to a safe, secure, and successful retirement.

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Our Financial Services

What We Do For Clients At Design Benefits Financial & Insurance Services

 

What We Offer

Creating an income plan to last throughout retirement is perhaps the single most important challenge retirees will face. After all, with the fact that we’re all living longer combined with advanced medical science and technology, it’s very probable that people who are retiring today could spend 30 years or more living in retirement without earned income and only from social security and investments to support them. That’s a scary and very realistic thought.

That’s why we make income planning our top priority at our firm.  We help our clients establish a solid income plan guaranteed to last as long as they do. In other words, the income plans we prepare for our clients are guaranteed to “go the distance.” Even if that means they live to be 120 or older! They are guaranteed to always receive that monthly check.

If an income plan is the most important thing in retirement, peace of mind might be the second. Let us help you create an income strategy you can’t outlive so that you can enjoy retirement with confidence and certainty.

You’ve spent the last 40 years, or longer, in the accumulation phase of planning your retirement. Now it’s time to switch gears and focus on the preservation of your retirement assets. But it doesn’t mean that growth has to stop. In fact, that’s one of the ways we help our clients the most, by helping them receive a reasonable rate of return throughout their retirement years. The difference is, we do it without loss, guaranteed!

Did you know that Warren Buffett’s number one rule to investing is to never lose money? He also has a second rule and that is to never forget rule number one!

We specialize in helping our clients make asset protection and preservation their top priority. Many people underestimate the devastation of losses to their portfolio due to market declines and don’t realize how difficult it can be to rebuild an account.

Did you know that a loss of 25% requires a positive return of almost 34% just to get back to even? A 50% loss of your retirement account means you have to double your money (receive a 100% return) just to be whole again. Think about it. If you have $100,000 and lose 50%, you’re left with $50,000. Now you’re left with the insurmountable task of going from $50,000 back to your original deposit of $100,000; a return of 100%. How long do you think that will take? Two years? Five years? Ten years or more? What if you experience additional losses in the process of trying to get back to even? What if you’re drawing income from this account? What kind of impact will that have?

We believe that the best way to make a dollar is to keep it. Retirement is a critical time and most retirees simply don’t have the time to recoup losses in their portfolios. Let us show you how we help our clients achieve a reasonable rate of return, in many cases averaging 4 to 6%, and without ever subjecting their retirement accounts to principal loss – guaranteed!

Many of our clients are the ones with the bumper sticker on the back of their RV that says, “We’re spending our kids’ inheritance,” but for many others, their goal is to leave a legacy for their children and grandchildren. That means determining (while you’re still alive) where your assets should go after you die, along with a thorough evaluation of potential tax liabilities, probate avoidance and opportunities to leverage the value of your estate using the most recent estate planning tools.

Because of the constantly changing estate tax laws and emerging vehicles to help you protect and transfer your assets effectively, it’s important to work with experienced estate planning professionals who stay current in this field and advise clients on a day-to-day basis.

Contact our office today to schedule a one-on-one estate planning consultation.

Changing jobs and retiring are two transition times in our lives that can be stressful. Fortunately, we work with people every day who are in the same situation and looking to take control of an employer-sponsored plan or just need help transferring the money to another employer plan. We make a seemingly daunting task easy and are happy to help you with your qualified plan questions and needs.

Here are four things you can do with the money in your employer sponsored retirement plan:

  • Leave the money where it is
  • Take the cash (and pay taxes, plus a 10% tax penalty if you are younger than age 59 ½)
  • Transfer the money to another employer-sponsored plan (if the plan allows)
  • Roll the money over to a self-directed IRA

Let us help you determine if a rollover is the right move for you!

Seminars

Educational Seminars Hosted By Design Benefits Financial & Insurance Services

 

Maximize Retirement Seminar

DOES YOUR RETIREMENT HAVE A SHIELD?

The Retirement Shield is an educational workshop designed to help you identify and avoid the 4 most devastating retirement mistakes.

At the Retirement Shield Workshop, we’re passionate about helping people identify and prepare for these mistakes: not getting the most from Social Security, not making a lifetime income plan, paying more taxes than necessary, and failing to protect your nest egg from market volatility and fees.

 

 

 

Call our office today for details on upcoming events!
(415) YES-SAFE
(415) 937-7233

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