About Jose
I works as a Personal Finance Consultant, specializing in wealth accumulation with tax benefits and risk management for Federal Employees.
I have been focusing my "expertise" on Asset Protection exclusively for Federal Employees, Military and Veterans. The combination of my skills in the area of Financial Planning and the knowledge that I continue to acquire has allowed me to apply it to devise financial and tax shelter strategies in order to help my clients maximize and protect their assets for their retirement.
Education
Business Administration: Accounting
Licenses
Authorized Representative - Life
Authorized Representative - Accident & Health
Other Credentials
FRC℠ (Federal Retirement Consultant)
IBF Designations
CAS®
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Certified Annuity Specialist
Fixed, variable, and indexed annuities. Accumulation and distribution strategies.
CIS™
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Certified Income Specialist
Retirement income planning, withdrawal strategies, and distribution optimization.
CSS™
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Certified Social Security & Medicare Specialist
Social Security optimization, Medicare enrollment, and benefits planning.
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At a Glance
IBF Designations
3
Member Since
2023
Other Credentials
1
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Practitioner-Reviewed education since 1988
Profile verified · March 2026
Understanding Credentials
What makes an IBF-designated advisor different?
1988
Established track record
Founded by a practicing financial advisor who believed designations should teach practical skills, not just theory.
CE
Ongoing requirement
IBF-designated advisors maintain credentials through continuous education, keeping knowledge current.
501(c)(3)
Nonprofit education
Focused on advisor education and professional development. Content reviewed by practicing advisors and SMEs.