Yanett O Burgueno

Yanett O Burgueno Life and Health Insurance Manager with Everest Retirement Planners Please contact me to help you fully analyze your needs and recommend appropriate solutions.

As a Licensed Agent I offer a variety of products that can help you meet a number of insurance and financial needs, including, but not limited to college funding, retirement, managing costs for extended periods of care and lifetime income strategies. I don't provide tax, legal, or accounting advice. Please consult your own tax, legal, or accounting professionals before making any decisions. I am n

ot licensed in all jurisdictions.

18756 Stone Oak Pkwy, Suite 200 San Antonio, TX 78258

My TX Insurance license number is 2168557.

09/09/2026

Whole Life Insurance: A 2026 Comeback?
I've noticed a growing trend in 2026: more people are exploring whole life insurance as a key piece of their financial planning. As a licensed Life and Health Insurance Agent based in San Antonio, I’m seeing clients—from individuals to families and even business owners—shift their focus from short-term protection to long-term security and estate planning. Whole life policies, with their predictable premiums and lifelong coverage, are regaining popularity for those who want stability and added financial planning benefits. Final-expense policies are fueling this renewed interest as well, offering simple solutions for a variety of needs. It’s encouraging to see whole life insurance being recognized not just for protection, but as an integral part of a broader financial strategy.

09/08/2026

Maximize Your Texas Retirement Income: Social Security vs. Private Options
Let’s connect and talk about the latest insights in the industry!

09/07/2026

US Money Moves That Matter After 60
As someone who helps individuals, families, and business owners navigate their financial futures, I know annuities can be a valuable tool for creating steady retirement income. But before making a decision, it’s crucial to understand exactly what you’re getting into. Not all annuities are built the same—guarantees can vary, whether it’s your principal, income stream, death benefit, or interest rate. Always ask what’s truly guaranteed and under what circumstances those benefits might change or disappear.

Fees and costs can sometimes be hidden in riders, spreads, or investment limits, so request a clear breakdown of every charge—both in dollars and percentages. It’s also a good idea to find out how advisor compensation works for full transparency. Don’t forget to review the surrender schedule in writing, and make sure you know the rules for penalty-free withdrawals, especially if you need early access or want to add more to your premium down the line.

If your plans shift or you’re considering exchanging one contract for another, take the time to compare them side by side. Confirm the insurer’s financial strength and use the free-look period to ensure your choice is right for you. My goal is always to empower you with knowledge, so you can feel confident about securing your retirement income.

Your retirement is about more than how much you have saved. It’s also about protecting what you’ve worked so hard to bui...
09/06/2026

Your retirement is about more than how much you have saved. It’s also about protecting what you’ve worked so hard to build.
Life changes, and your insurance and financial protection should be reviewed along the way. The right coverage can help protect your income, your savings, your family, and your retirement goals from unexpected events.

Take the time to review your protection strategy before you need it. Your future is worth protecting.

09/06/2026

Happy Labor Day!

09/05/2026

US Retirees' Pre-65 Conversion Window
Many couples start thinking seriously about their retirement plans as they approach age 60, and one important window to consider is the opportunity for Roth conversions before turning 65. For those retiring at 60, converting portions of a traditional 401(k) to a Roth IRA between ages 60 and 62 can help manage future taxes and avoid unexpected premium surcharges as federal health coverage premiums begin factoring in later tax returns. Right now, keeping joint income under $218,000 helps you steer clear of surcharges, while entering the $274,000–$342,000 range can mean an extra $5,800 per year for couples. For example, a $2.2 million traditional 401(k) growing at around 6% could become $3.5 million by age 73, leading to required minimum withdrawals close to $132,000. A thoughtful approach is to convert about $200,000 per year from ages 60 to 62, using taxable savings to pay taxes, and then adjust conversions at age 63 to keep surcharges in check. Delaying Social Security and Medicare benefits to 70 can also help keep income lower during these conversion years and maximize later benefits. As someone who helps families and individuals navigate both Medicare and retirement income strategies, I know how valuable this brief window can be for long-term planning. Each situation is unique, but understanding these rules helps you make more informed, confident choices for your retirement future.

09/04/2026

A $1,000 Starter Deposit for New Child Accounts

09/03/2026

Over One-Third Goes to Six-Figure Seniors

Tu retiro es mucho más que cuánto has logrado ahorrar. También se trata de proteger todo lo que has trabajado para const...
09/02/2026

Tu retiro es mucho más que cuánto has logrado ahorrar. También se trata de proteger todo lo que has trabajado para construir.
La vida cambia y tu estrategia de protección debe cambiar contigo. Revisar a tiempo tus coberturas puede ayudarte a proteger tus ingresos, tus ahorros, tu familia y tus planes para el retiro ante situaciones inesperadas.

Tómate el tiempo de evaluar tu protección antes de necesitarla. Tu futuro y tu patrimonio merecen estar protegidos.

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18756 Stone Oak Pakwy, Suite 200
San Antonio, TX
78258

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