Ready to Control Your Cashflow and Retire Tax-Free?
1. Tax-Free Retirement (ERFT)
Eliminate unnecessary risk, fees, and taxes from your financial future.
We use advanced retirement strategies to help you protect your savings from market crashes and hefty taxes — without relying on outdated Tax-Deferred methods. Helping you keep 30-40% more of your capital is our Specialty.
2. Cashflow Coaching
Master your money so it no longer masters you.
Get a personalized financial coaching experience that helps you manage your money smarter, pay off debt faster, and build savings that finally stick. Designed for busy professionals who are ready to get serious about their cashflow and future.
Ready to Control Your Cashflow and Retire Tax-Free?
1. Tax-Free Retirement (ERFT)
Eliminate unnecessary risk, fees, and taxes from your financial future.
We use advanced retirement strategies to help you protect your savings from market crashes and hefty taxes — without relying on outdated Tax-Deferred methods. Helping you keep 30-40% more of your capital is our Specialty.
2. Cashflow Coaching
Master your money so it no longer masters you.
Get a personalized financial coaching experience that helps you manage your money smarter, pay off debt faster, and build savings that finally stick. Designed for busy professionals who are ready to get serious about their cashflow and future.
As Seen On:
The Tax-Free Retirement Blueprint
Unlock the Retirement Strategy Most Financial Advisors Won’t Tell You About
How the top 1% are using little-known indexed strategies to protect and grow their money — without worrying about market volatility or rising taxes.
If you're tired of gambling your future on Wall Street, this is your next step.
Ready to Control Your Cashflow and Retire Tax-Free?
Our Services
Tax Free Strategy
Protect your retirement from unnecessary taxes and market volatility with a Tax-Free Strategy built around your goals. High earners and the well-informed have used certain instruments to help them grow their money tax-free, access it tax-free, and pass it on tax-free. The truth is that you don’t have to be wealthy to use them. This strategy provides a powerful alternative to traditional retirement accounts that may come with tax burdens later in life. Our approach empowers you to gain long-term financial control and peace of mind.
Retirement Income Planning
Retirement isn’t about Age, it’s about Income. With longer lifespans nowadays than ever, you need to consider how long your savings will last you. By optimizing for guaranteed income, tax efficiency, and protection from market downturns, we build retirement plans designed to fit your lifestyle. Our goal is to help you enjoy your retirement with confidence—knowing your income is protected no matter what happens in the market.
Personal Finance Coaching
Managing money isn’t just about numbers—it’s about behavior, clarity, and confidence. Through one-on-one coaching, Jonathan helps individuals and families break the paycheck-to-paycheck cycle, eliminate debt, and take control of their cashflow. You’ll learn how to budget intentionally, create a financial game plan that aligns with your values, and finally feel empowered in your day-to-day money decisions. This personalized support goes beyond quick fixes—it’s designed to build lasting financial transformation from the inside out.
Living Benefits
Imagine having financial protection not just when you pass—but when life takes an unexpected turn. Living Benefits are an essential part of modern life insurance, giving you access to your death benefit while you’re still alive in the event of a critical, chronic, or terminal illness. This ensures you and your family have financial support when you need it most. It’s peace of mind since you won’t have to drain any of your own funds or assets.
Indexed Strategy
An Indexed Strategy allows you to gain interest based on the performance of an Index, without the volatility or downside risk. Your funds are not In the Market, but are Linked to the Market. This approach is ideal for people looking for potential growth while protecting the principal. Top institutions in the US utilize indices such as S&P 500 Index, the Global Index, Fidelity Multifactor Yield 5% ER Index, Barclays Trailblazer Sector 5 Index, Credit Suisse Balanced Trend 5% Index and many more.
Business Succession Planning
Protect your business from unexpected disruptions and secure its future—no matter what lies ahead. A well-structured succession plan ensures a smooth transition, preserves your legacy, and keeps your company running strong. Without a plan, the passing of a business partner can lead to conflict between the surviving owners and the partner’s family—often resulting in legal battles or even business closure. A Buy-Sell Agreement, when properly funded with life insurance, provides the capital needed to buy out a deceased partner’s share. This ensures continuity, protects relationships, and keeps your business stable through life’s most difficult moments.
Testimonials
Respected voices in the industry on the financial leadership of JT
“Jonathan Torres is one of the most knowledgeable and capable young professionals I have had the pleasure to know in quite sometime. His grasp of retirement options is amazing and his ability to navigate his clients through current market situations is impressive.
What I most appreciate in Jonathan is his integrity and willingness to do whatever is in the best interest of his clients. He is a man of principle.”
Len Curtis
“Jonathan is an amazing young guy that takes his craft seriously. His work ethic in front and behind the scenes is stellar. I love that he is dedicated in learning, growing and providing the best solutions for his clients. I highly recommend working with Jonathan and seeking his advice when it comes to Personal Finance and Retirement.”
Dennis Florendo
What’s Your Next Step?
Talk To The Program Director
Jonathan Torres
Jonathan is a financial strategist and coach helping individuals create structure and design a clear plan for their financial future. With a proven system that focuses on Eliminating Risk, Fees, and Taxes (ERFT) and empowering clients to control their cashflow, Jonathan brings both technical insight and a distinct perspective to the world of personal finance.
Jonathan's journey into finance was deeply personal—shaped by watching his own family struggle with money growing up. That early exposure ignited a lifelong obsession with mastering financial literacy and teaching others how to build real, lasting financial security. Today, he combines personalized coaching and advanced tax-free retirement strategies to help clients take control of their money—and their future.
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Copyrighted © 2025 Jonathan Torres
Copyrighted © 2025 Jonathan Torres
