Albert, Your Retirement Protection Expert at CTC ace insurance
Retire with Confidence,
Enjoy a Worry-Free Future
About
We specialize in providing comprehensive retirement planning services tailored to meet your financial needs.
From guaranteed income to medicare, we create personalized solutions to secure your future. Whether you're focused on lifetime income, health insurance, or tax strategy, our expert team offers individualized advice to ensure your retirement years are peaceful and stress-free.
Our Services
What we do
01
Medicare
Navigating the complexities of Medicare can be daunting. We guide you through the options, helping you choose the right Medicare, ensuring that your medical needs are covered during retirement.
02
Retirement Income Planning
Our team helps you create a reliable and guaranteed income stream that lasts throughout your retirement, ensuring that you can maintain your lifestyle and achieve financial security without worry.
03
Tax Optimization Strategies
Retirement involves strategic tax planning to minimize liabilities. We provide advice on how to structure your investments and income to maximize tax-free or tax-advantaged earnings, ensuring you keep more of your hard-earned savings.
"Albert walked us through every Medicare option, making sure we understood what we were signing up for. His expertise gave us confidence in choosing the right plan."
Mark Wilson,
San Francisco, CA
"Albert’s guidance was invaluable. He explained Medicare in a way I could actually understand, and I’m so happy with the coverage he found for me."
Brian Evans,
Los Angeles, CA
"Thanks to Albert’s guidance, we’re using an IUL to build long-term wealth and secure our future. Highly recommend!"
Carla Johnson,
Houston, TX
"Albert helped us set up an annuity that guarantees lifetime income. Now, we feel secure knowing our retirement funds will never run out."
James Martinez,
San Jose, CA
What's new?
We represent 25+ carriers in all 50 states, including:
Free Consultation Available
Reach out today to schedule a no-obligation consultation with one of our experts. Let’s work together to design a retirement plan that fits your unique needs.
F.A.Q.
Find answers to commonly asked questions about our services
What is the difference between Retirement Planning and Investment Planning? Is there a charge for the initial or future consultations? Is there any obligation?
Investment planning mainly focuses on “investments” and how to grow your wealth. Retirement planning’s strategy is how to protect your wealth. This typically involves having a strategy using pension planning (guaranteed lifetime income) along with health care coverage.
What’s the difference between a pension and a 401(k)/IRA?
A 401(k)/IRA is simply an asset that you manage or have someone manage for you. Usually this involves investing in stocks or mutual funds.
A pension is a guarantee that gives you income for life. A teacher would most likely never give up their guaranteed income!
Can I use my 401(k), IRA, or savings account to create a lifetime income strategy? Will I be taxed?
Yes, you can use any monies to create a pension. If you rollover/transfer a 401(k)/IRA, then you will not be taxed. You only are taxed on the amount you withdraw in the future.
Will I save money if I go directly through the carriers instead of using an agent or broker?
No. This is not like real estate or going to a warehouse like Costco. Going through an agent or broker versus going through the insurance company directly is precisely the same cost down to the penny! How that benefits you is that you don’t pay any extra, yet you get personalized service throughout the year! It’s like having your own lawyer for free!