ELIMINATE RISK FEES

AND TAXES

GET ACCESS TO RETIREMENT STRATEGIES

NOT PUBLICLY KNOW

Hey, I'm Josh!

Our firm has built its approach with the reality in mind that there are two sides to finance—the Tax-Free Side and the Tax-Deferred Side. Most people unknowingly get funneled into the Tax-Deferred side through workplace plans like 401(k)s, checking a few boxes, and hoping for the best. (Sound Familiar?)

On the Tax-Free Side, things work differently. There is no one-size-fits-all approach, cookie-cutter scenario. It requires Personalization & actual REAL Consultation

Our agency specializes in one thing: ERFT – Eliminating Risk, Fees, and Taxes. This principle guides everything we do, helping clients gain more control, efficiency, and freedom with their money. While ERFT doesn’t apply to every situation, it’s the lens we use to maximize retirement while minimizing unnecessary losses.

If you’re looking for a strategy instead of just hoping for the best, let’s talk.

STILL NOT SURE?

Frequently Asked Questions

How come I've never heard of this Tax Free Retirement Account (TFRA) before?

Most people are unfamiliar with Tax-Free Retirement Accounts (TFRAs) because, like many things, not all information is widely shared with the public. While TFRAs have existed for decades, the financial industry has largely focused on tax-deferred strategies like 401(k)s and IRAs, promoting them as a one-size-fits-all solution.Unlike traditional retirement plans, TFRAs require personalization and real consultation—something that isn’t typically offered in workplace financial programs or mainstream financial advice.

If your financial knowledge has been limited to what’s presented by HR or employer-sponsored plans, it’s understandable that you may not have encountered this strategy before. But just because you haven’t heard of it doesn’t mean it isn’t real.

Can I Get This Tax Free Retirement Account (TFRA) If I’ve Already Started Saving for Retirement?

Yes! If you’ve been contributing to a 401(k) or IRA, you can still establish a Tax-Free Retirement Account (TFRA) by strategically reallocating funds—all while avoiding unnecessary taxes or penalties. This approach allows you to maximize tax advantages and maintain financial flexibility without disrupting your existing retirement strategy.

What If I’m Already Retired? Can I Still Get a Tax-Free Retirement Account and Eliminate Risk, Fees, & Taxes?

Tax-free retirement strategies are typically for pre-retirement planning, with the sweet spot being 8–10 years of saving and growth before retirement. However, there are always exceptions, especially if you have a 401(k) or IRA with a lump sum that needs a better parking positioning to reduce risk, fees, and taxes.

For retirees, we often explore two key strategies:

• Growth Without Unnecessary Risk & Fees – Focuses on preserving and growing your retirement while eliminating market volatility & excessive fees.

• Lifetime Income Strategy – Helps extend the life of your retirement savings by converting a lump sum into a predictable, tax-efficient income stream for life.

I'm in a different state, can you help me?

Our headquarters are located in the San Francisco, CA, but we service about 25-26 other states as well.

TESTIMONIALS

What others are saying

"Highly recommend"

"Josh’s expertise in retirement and financial planning is truly unparalleled. His insights are invaluable for preparing for the future and avoiding common financial pitfalls. I highly recommend his services to anyone seeking sound financial guidance."

"He is truly an expert"

"Retirement and financial planning always felt like a distant, almost unreachable goal until I consulted with Josh Ortiz. Josh is truly an expert-attentive to every need, thorough in answering all questions, and committed to setting you on the right path toward a secure retirement."

"Highly recommend"

"Josh provided exceptional insight into retirement and financial planning. His guidance is helping many safeguard their retirement and avoid potential losses. Highly recommended for anyone looking to secure their financial future."