Home - Frank Garcia, LUTCF, RSSA®, CSA

Your Partner in Financial Planning & Risk Protection

With over 20 years of experience, our dedicated team—led by Frank Garcia, LUTCF, CSA, RSSA®—delivers personalized, strategic financial planning that empowers you to protect your assets, plan your legacy, and build a secure future.

What We do

1

Individual Insurance & Risk Protection

Tailored Insurance Solutions

Insurance isn’t one-size-fits-all—yet nearly half of Americans are underinsured, leaving their families vulnerable. Our tailored insurance solutions include personalized life, disability, long-term care coverage, and risk management strategies specifically designed to match your unique needs. With strong relationships across top carriers, we ensure optimal protection and financial peace of mind.

2

Business Planning & Succession Strategies

Only about 30% of family businesses successfully transition to the next generation, often due to inadequate succession planning. Our team helps business owners build effective buy-sell agreements, exit strategies, continuity planning, and tax-efficient succession plans. We ensure your business legacy and family’s financial future are protected and positioned for long-term success.

3

Comprehensive Financial Planning

Financial security goes beyond basic retirement savings—60% of Americans worry about outliving their retirement funds. Our comprehensive planning services include retirement readiness, proactive tax strategies, wealth preservation, and asset protection. We create tailored financial plans designed to grow your wealth, reduce risks, and ensure lasting financial peace of mind.

4

Social Security Optimization

Social Security decisions can significantly impact your retirement income, yet 96% of Americans fail to maximize their benefits—often leaving tens of thousands of dollars on the table. Our RSSA-certified experts provide personalized analysis, clear guidance, and optimized claiming strategies, ensuring you secure every benefit you’re entitled to.

5

SETARA – Self-Employed Tax & Retirement Analysis

Retirement planning is particularly challenging for self-employed individuals, with nearly 30% lacking adequate savings. SETARA offers tailored solutions for self-employed professionals, small business owners, and independent contractors. We help you strategically manage payroll taxes, optimize retirement contributions with SEP IRAs, Solo 401(k)s, and Defined Benefit Plans, and ensure your financial future with clarity and confidence.

WHY CHOOSE US

Integrated Expertise:

Our holistic approach connects the dots between investments, tax planning, and risk management, ensuring no aspect of your financial future is overlooked.

Tailored Strategies

Every financial plan is uniquely crafted to reflect your personal goals and risk profile.

Trusted Guidance

With decades of industry experience, we commit to integrity and ongoing support—helping you make confident, informed decisions every step of the way.et

What Our Clients Say?

Frank provided a very clear path, and precise advice regarding social security payments. He is a subject matter expert in Social Security. I would highly recommend him to anyone in need of guidance for social security.

Anna S

Frank did an evaluation for me and I was pleasantly surprised of the outcomes. This is something you don’t think about until you’re close to using it. I’m glad I spoke to Frank well before and can now remove that worry from my mind. I’m certain that I will revisit it all with Frank periodically to make sure everything is the same or if there are any changes how they might affect me.

Eric B

Frank Garcia is a good man. He will make it simple and easy for you to understand what can be an overwhelming process for many. He’s honest, caring, compassionate, and truly wants what’s best for you. With his guidance as a financial professional, you can confidently navigate the challenges regarding Social Security knowing you’re in good hands.

Jeff M