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JLA Financial Planning

Casa
Puerto Rico
San Juan
JLA Financial Planning

En JLA Financial Planning Ayudamos a familias en Puerto Rico a proteger su patrimonio, reducir riesgos y planificar un retiro seguro.

JLA Financial Planning is your local financial advisor in San Juan PR offering retirement estate tax planning and investment management services. Our team specializes in creating personalized strategies to help you achieve your financial goals.

02/09/2026

El balance de tu cuenta de retiro te dice cuánto has acumulado, pero no necesariamente cuánto tendrás disponible para gastar.

Los retiros de un 401(k) tradicional pueden generar ingreso tributable, y una distribución grande puede tener efectos más allá de la factura contributiva. Dependiendo de tu situación, podría influir en tu tasa contributiva marginal, en los recargos de Medicare por IRMAA y en la porción de tus beneficios de Seguro Social que podría estar sujeta a contribuciones.

También están las Distribuciones Mínimas Requeridas (RMD), que eventualmente pueden reducir el control que tienes sobre cuándo reconocer ingreso tributable.

Por eso, la planificación para el retiro no debe enfocarse únicamente en acumular el balance más grande posible. También conviene considerar de dónde vendrán tus ingresos futuros: cuentas con contribuciones diferidas, fuentes potencialmente libres de contribuciones y cuentas tributables. Mientras más flexibilidad tengas, más opciones podrías tener al llegar a tu retiro.

Planificación para el Retiro, 401(k), Ingresos en el Retiro, Planificación Contributiva, IRMAA, Medicare, Seguro Social, RMD, Distribuciones Mínimas Requeridas, Planificación Financiera en Puerto Rico

31/08/2026

Small tax issues rarely feel urgent at first. That’s exactly why they’re easy to ignore. But the longer certain planning gaps go unnoticed, the fewer options you may have when tax season arrives.

The better approach? Look ahead while there’s still time to make informed decisions.

DM "JLA Financial Planning" to discuss your tax planning strategy.

Tax Planning in Puerto Rico, Tax Strategy, Year-End Tax Planning, Financial Planning in Puerto Rico, Puerto Rico Taxes, Investment Planning, Retirement Planning in Puerto Rico

28/08/2026

Life doesn’t always give us time to prepare after something happens. That’s why protection is something worth thinking about before it’s needed.

Life insurance can help provide financial support for the people who depend on you; whether that means helping with everyday expenses, outstanding obligations, or future family goals.

It’s not about expecting the worst. It’s about making sure the people you care about have a plan to lean on if life takes an unexpected turn.

📞 787-312-8313
🌐 jlafinancialplanningpr.com

Note: Coverage, benefits, costs, exclusions, and eligibility vary by policy and individual circumstances.

26/08/2026

Your health can change without warning. Your financial plan should be prepared for that possibility. The right health insurance coverage can help you manage eligible medical expenses and reduce the financial pressure that may come with unexpected care, treatment, or hospitalization.

Protection is not only about planning for retirement or building wealth. It is also about protecting the income, savings, and stability you already have. Make sure your coverage still fits your needs, your family, and your current stage of life.

📞 787-312-8313
🌐 jlafinancialplanningpr.com

24/08/2026

If you own a business, your retirement plan may have more room to work with in 2026 than it did last year, but are you actually using it?

Updated contribution limits could create new planning opportunities for certain business owners and self-employed professionals. The important part is knowing which rules apply to your plan and what those changes could mean for your strategy.

Swipe through to see what changed for 2026 and whether your current retirement plan is keeping up.

📞 787-312-8313
🌐 jlafinancialplanningpr.com

18/08/2026

A retirement withdrawal can affect more than your bank balance. For Medicare beneficiaries, higher income may trigger IRMAA surcharges, increasing what you pay for Part B and Part D. And because Medicare generally looks back at your tax return from two years earlier, a financial decision you make today can influence future healthcare costs.

That is why retirement income planning should look beyond the amount you withdraw. The timing of withdrawals, Roth conversions, and other income sources can all play a role in helping you manage taxable income more strategically.

📞 787-312-8313
🌐 jlafinancialplanningpr.com

14/08/2026

Your retirement balance tells you how much you’ve accumulated, not necessarily how much you’ll get to spend.

Traditional 401(k) withdrawals can create taxable income, and larger withdrawals may have ripple effects beyond the tax bill. They can potentially affect your marginal tax bracket, Medicare IRMAA surcharges, and how much of your Social Security benefits are taxable.

Then there are Required Minimum Distributions, which can eventually reduce how much control you have over when taxable income shows up.

That’s why retirement planning shouldn’t focus only on building the biggest account balance. It should also consider where your future income will come from, tax-deferred, potentially tax-free, and taxable sources. More flexibility can mean more choices when retirement arrives.

📞 787-312-8313
🌐 jlafinancialplanningpr.com

10/08/2026

Paying taxes is part of doing business, but how you plan for retirement can influence how much of your income stays working toward your future.

For certain self-employed professionals and business owners in Puerto Rico, a Keogh Plan can offer more contribution flexibility than a traditional IRA while creating potential tax advantages today.

The opportunity can be valuable, but the structure matters. Your income, type of business, contribution capacity, and long-term retirement goals should all be considered before setting one up.

A good retirement plan should do more than help you save, it should fit the way you earn.

📞 787-312-8313
🌐 jlafinancialplanningpr.com

07/08/2026

An IRA in Puerto Rico is not always treated the same as a U.S. IRA.

Puerto Rico has its own tax system, so rules for contributions, deductions, distributions, and reporting can differ. Even when contribution limits are similar, the tax treatment may not be.

Where you live, earn income, and hold the account can all affect your retirement strategy.

Before contributing, rolling over, or withdrawing, make sure you understand which rules apply to you.

📞 787-312-8313
🌐 jlafinancialplanningpr.com

05/08/2026

Antes de mover el dinero de tu plan de retiro, asegúrate de entender bien cada paso. Un error durante el proceso puede generar retenciones, consecuencias contributivas o complicaciones innecesarias.

En este video compartimos cuatro errores que debes evitar antes de completar un rollover:

1. Recibir el cheque a tu nombre
2. Dejar pasar el término de 60 días
3. Transferir los fondos al tipo de IRA incorrecto
4. No considerar las reglas contributivas aplicables

Cada plan y cada situación son diferentes. Por eso, antes de tomar una decisión, es importante revisar tus opciones y coordinar correctamente la transferencia.

Protege tus ahorros y planifica tu retiro con mayor claridad.

📞 787-312-8313
🌐 jlafinancialplanningpr.com

Dirección

140 Calle Federico Costas
San Juan
00918

Horario de Apertura

Lunes	09:00 - 16:00
Martes	09:00 - 16:00
Miércoles	09:00 - 16:00
Jueves	09:00 - 16:00
Viernes	09:00 - 16:00

Teléfono

+17873128313

Página web

https://jlafinancialplanningpr.com/

Notificaciones

Sé el primero en enterarse y déjanos enviarle un correo electrónico cuando JLA Financial Planning publique noticias y promociones. Su dirección de correo electrónico no se utilizará para ningún otro fin, y puede darse de baja en cualquier momento.