service

FINANCIAL pLANNING

service

FINANCIAL
PLANNING

Retirement Planning

Retirement is one of the most life transitions many of us will ever experience. From both a personal and financial perspective, realizing a stable retirement is a thorough process that takes thoughtful planning and attentiveness to navigate through lives twists and turns. For too many Americans, retirement seems like a far-off dream, but it doesn't have to be that way for you. Our team of advisers is here to help you make the decisions today that will set you on the path to financial independence.

Life Insurance

When it comes to wealth management and financial planning, one of the most important yet most overlooked products is life insurance. A major reason to acquire life insurance is to protect your family in the case of untimely death. For this reason alone, life insurance is a staple of most Americans’ financial plans. But beyond the traditional “death insurance,” the usefulness of life insurance for advanced medical care planning, estate planning and even retirement income planning is significant. As an individual examines their ideal financial story, in many cases the unexpected value of life insurance planning comes in to view.

College Planning

With the cost of college seemingly ever-increasing, it is important to the opportunities for future graduates and their families in order make college a viable financial option. While for many hefty loans at sometimes high interest rates seems the only option, a steady, planned college savings strategy as part of an over-all financial plan can make an enormous difference.

For many students and their parents, the right mix of scholarships, grants, government loans, private loans and tax-preferential college savings plans can keep the opportunities of college in sight, with the cost of higher education safely in check.

LONG-TERM CARE PLANNING

As Americans live longer and the medical industry has more success in keeping ailing people living, planning for advanced medical care and the assisted nursing care that goes with it becomes increasingly important. Planning ahead helps you understand what long-term care service options are available in your local community, what special conditions may apply for receiving services, what long-term care services cost, and what payment options (public and private) apply. Having this information helps ensure you will have a range of options when you need long-term care, and makes it more likely that you will have more choice and control over where and how you receive long-term care services.

The cost of long-term care services often exceeds what the average person can pay from income and other resources. By planning ahead, you may be able to save your assets and income for uses other than long-term care, including preserving the quality of life for your spouse or other loved ones. Planning ahead for long-term care also means less emotional and financial stress on you and your family. It can provide a way to involve your entire family in decisions without depending on them to bear the entire burden alone when the time comes.

Our goal is to help you ensure greater independence should you need long-term care. Your choices for receiving care outside of a long-term care facility and being able to stay at home or receive services in the community for as long as possible are greater the earlier these sensitive issued are included in your overall financial planning.

INVESTMENT TYPES

There are many different ways in which to invest your money and in order to decide which investment vehicles are suitable for you, you need to know their characteristics and why they would fit a particular investing objective. When looking at investing through the lens of financial planning, it is critical to start with the right questions first. Understanding investment types must begin with a “why” then a “what.” Why are we saving this money? How will we eventually use it? With answers to these questions it is much more likely that with the guidance of a qualified Trilogy advisor you can then answer the next question: What types of investments are suited to my ultimate goals and objectives?

Retirement Planning

Retirement is one of the most life transitions many of us will ever experience. From both a personal and financial perspective, realizing a stable retirement is a thorough process that takes thoughtful planning and attentiveness to navigate through lives twists and turns. For too many Americans, retirement seems like a far-off dream, but it doesn't have to be that way for you. Our team of advisers is here to help you make the decisions today that will set you on the path to financial independence.

Life Insurance

When it comes to wealth management and financial planning, one of the most important yet most overlooked products is life insurance. A major reason to acquire life insurance is to protect your family in the case of untimely death. For this reason alone, life insurance is a staple of most Americans’ financial plans. But beyond the traditional “death insurance,” the usefulness of life insurance for advanced medical care planning, estate planning and even retirement income planning is significant. As an individual examines their ideal financial story, in many cases the unexpected value of life insurance planning comes in to view.

College Planning

With the cost of college seemingly ever-increasing, it is important to the opportunities for future graduates and their families in order make college a viable financial option. While for many hefty loans at sometimes high interest rates seems the only option, a steady, planned college savings strategy as part of an over-all financial plan can make an enormous difference.

For many students and their parents, the right mix of scholarships, grants, government loans, private loans and tax-preferential college savings plans can keep the opportunities of college in sight, with the cost of higher education safely in check.

LONG-TERM CARE PLANNING

As Americans live longer and the medical industry has more success in keeping ailing people living, planning for advanced medical care and the assisted nursing care that goes with it becomes increasingly important. Planning ahead helps you understand what long-term care service options are available in your local community, what special conditions may apply for receiving services, what long-term care services cost, and what payment options (public and private) apply. Having this information helps ensure you will have a range of options when you need long-term care, and makes it more likely that you will have more choice and control over where and how you receive long-term care services.

The cost of long-term care services often exceeds what the average person can pay from income and other resources. By planning ahead, you may be able to save your assets and income for uses other than long-term care, including preserving the quality of life for your spouse or other loved ones. Planning ahead for long-term care also means less emotional and financial stress on you and your family. It can provide a way to involve your entire family in decisions without depending on them to bear the entire burden alone when the time comes.

Our goal is to help you ensure greater independence should you need long-term care. Your choices for receiving care outside of a long-term care facility and being able to stay at home or receive services in the community for as long as possible are greater the earlier these sensitive issued are included in your overall financial planning.

INVESTMENT TYPES

There are many different ways in which to invest your money and in order to decide which investment vehicles are suitable for you, you need to know their characteristics and why they would fit a particular investing objective. When looking at investing through the lens of financial planning, it is critical to start with the right questions first. Understanding investment types must begin with a “why” then a “what.” Why are we saving this money? How will we eventually use it? With answers to these questions it is much more likely that with the guidance of a qualified Trilogy advisor you can then answer the next question: What types of investments are suited to my ultimate goals and objectives?

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frequently asked questions

When can I sign up for Medicare?

There are a few key windows, and missing them can cost you. Your Initial Enrollment Period is a 7-month window around your 65th birthday, it starts 3 months before the month you turn 65, includes your birthday month, and runs 3 months after. To avoid a coverage gap, it's best to sign up during the 3 months before your birthday. If you already have Medicare, the Annual Enrollment Period runs October 15 through December 7 each year, and any changes you make take effect January 1.

What does Medicare cost in 2026?

Most people pay nothing for Part A (hospital coverage) because they paid Medicare taxes while working. For Part B (medical coverage), the standard monthly premium is $202.90 in 2026, with an annual deductible of $283. After you meet the deductible, you typically pay 20% of the cost for most doctor services and equipment. Higher earners may pay more for Part B based on income. Part C (Medicare Advantage) and Part D (drug coverage) costs vary by plan.

What's the difference between Original Medicare and Medicare Advantage?

Original Medicare is run by the federal government and includes Part A and Part B. It lets you see any doctor that accepts Medicare, but it doesn't cover everything, things like prescription drugs, dental, vision, and hearing usually aren't included. Medicare Advantage (Part C) is offered by private insurers and bundles Parts A, B, and often D into one plan, frequently adding extras like dental or vision. The tradeoff is that Advantage plans usually require you to use a network of doctors. Which is better depends on your health needs, budget, and preferred doctors.

Do I need a separate plan for prescription drugs?

Possibly. Original Medicare (Parts A and B) does not cover most prescription drugs, so you'd need a standalone Part D plan to get that coverage. Many Medicare Advantage plans include drug coverage already. One important thing to know: if you don't sign up for drug coverage when you're first eligible and go without it, you may face a late-enrollment penalty that gets added to your premium for as long as you have the plan.

What happens if I sign up late?

Late penalties are real and they can be permanent, so this matters. For Part B, the penalty adds 10% to your monthly premium for every full 12-month period you delayed enrollment without other qualifying coverage and you generally keep paying it for as long as you have Medicare. There's a separate penalty for Part D drug coverage too. The good news: if you're still working and have coverage through your job (or your spouse's), you may qualify for a Special Enrollment Period that lets you delay without penalty.

What do I do when I turn 65?

Describe the item or answer the question so that site visitors who are interested get more information. You can emphasize this text with bullets, italics or bold, and add links.

frequently asked questions

When can I sign up for Medicare?

There are a few key windows, and missing them can cost you. Your Initial Enrollment Period is a 7-month window around your 65th birthday, it starts 3 months before the month you turn 65, includes your birthday month, and runs 3 months after. To avoid a gap in coverage, it's best to sign up during the 3 months before your birthday. If you already have Medicare, the Annual Enrollment Period runs October 15 through December 7 each year, and any changes you make take effect January 1.

What does Medicare cost in 2026?

Most people pay nothing for Part A (hospital coverage) because they paid Medicare taxes while working. For Part B (medical coverage), the standard monthly premium is $202.90 in 2026, with an annual deductible of $283. After you meet the deductible, you typically pay 20% of the cost for most doctor services and equipment. Higher earners may pay more for Part B based on income. Part C (Medicare Advantage) and Part D (drug coverage) costs vary by plan.

What's the difference between Original Medicare and Medicare Advantage?

Original Medicare is run by the federal government and includes Part A and Part B. It lets you see any doctor that accepts Medicare, but it doesn't cover everything, things like prescription drugs, dental, vision, and hearing usually aren't included. Medicare Advantage (Part C) is offered by private insurers and bundles Parts A, B, and often D into one plan, frequently adding extras like dental or vision. The tradeoff is that Advantage plans usually require you to use a network of doctors. Which is better depends on your health needs, budget, and preferred doctors.

Do I need a separate plan for prescription drugs?

Possibly. Original Medicare (Parts A and B) does not cover most prescription drugs, so you'd need a standalone Part D plan to get that coverage. Many Medicare Advantage plans include drug coverage already. One important thing to know: if you don't sign up for drug coverage when you're first eligible and go without it, you may face a late-enrollment penalty that gets added to your premium for as long as you have the plan.

What happens if I sign up late?

Late penalties are real and they can be permanent, so this matters. For Part B, the penalty adds 10% to your monthly premium for every full 12-month period you delayed enrollment without other qualifying coverage and you generally keep paying it for as long as you have Medicare. There's a separate penalty for Part D drug coverage too. The good news: if you're still working and have coverage through your job (or your spouse's), you may qualify for a Special Enrollment Period that lets you delay without penalty.

California, USA

proudly serving these areas

  • California

  • Greater Los Angeles

  • Inland Empire

  • Orange County

  • San Diego County

  • Central Valley

  • San Francisco Bay Area

  • Sacramento / Northern California

  • Central Coast

  • Arizona

  • Greater Phoenix / Valley of the Sun

  • Tucson / Southern Arizona

  • Northern Arizona

  • West Valley & Yuma

  • East Valley & Pinal County

California, USA

proudly serving these areas

  • California

  • Greater Los Angeles

  • Inland Empire

  • Orange County

  • San Diego County

  • Central Valley

  • San Francisco Bay Area

  • Sacramento / Northern California

  • Central Coast

  • Arizona

  • Greater Phoenix / Valley of the Sun

  • Tucson / Southern Arizona

  • Northern Arizona

  • West Valley & Yuma

  • East Valley & Pinal County

LIVE THE LIFE YOU

ALWAYS IMAGINED

LIVE THE LIFE YOU

ALWAYS IMAGINED

Aguilera & Associates Insurance Services

CA LIC #0B01700 6620 Coyle Ave Suite 120, Carmichael, CA 95608

Cell (415) 271-5160

cONTACT

service areas

Greater Los Angeles

Inland Empire

Orange County

San Diego County

Central Valley

San Francisco Bay Area

Sacramento / Northern California

Central Coast

service areas

Greater Phoenix / Valley of the Sun

Tucson / Southern Arizona

Northern Arizona

West Valley & Yuma

East Valley & Pinal County

operating HOURS

Mon: 9:00am - 5:00pm

Tue: 9:00am - 5:00pm

Wed: 9:00am - 5:00pm

Thu: 9:00am - 5:00pm

Fri: 9:00am - 5:00pm

Sat: CLOSED

Sun: CLOSED