JLA Financial Planning

06/09/2026

Retirement may be closer than you think — are you ready?

The right plan today makes all the difference tomorrow. Whether you're 10 years out or just getting started, there's no better time to take that first step.

📞 787-312-8313
🌐 jlafinancialplanningpr.com

06/08/2026

Most federal employees never find out their unused sick leave has real retirement value — until it's too late.

Under FERS, every hour you don't use converts into extra service credit that increases your monthly pension for life.

174 hours = +1 month
2,088 hours = a full extra year
No cap. Every hour counts.

One critical catch: this only works with an immediate retirement. Leave before your MRA and you lose it all — permanently.

Know what your sick leave is worth before you walk out the door. Swipe to see the full breakdown. ➡️

📞 787-312-8313
🌐 jlafinancialplanningpr.com

06/05/2026

Your FEHB coverage does not automatically continue into retirement.

Federal employees must understand the 5-year rule before retiring. To carry FEHB into retirement, you generally need to be enrolled for 5 consecutive years immediately before your retirement date.

Meeting the requirement can help you keep valuable benefits such as continued coverage, government premium contributions, and plan flexibility during Open Season.

If you are within 3–5 years of retirement, now is the right time to review your FEHB history, Medicare coordination, and long-term healthcare strategy.

Plan ahead. Retire with clarity.

Contact JLA Financial Planning
☎ 787-312-8313
📧 [email protected]
🌐 www.jlafinancialplanningpr.com

06/03/2026

¿Eres empleado federal en Puerto Rico?

Esto te afecta en 2026.
El panorama del retiro federal está cambiando — y muchos empleados no están preparados.

En 2026, los participantes de FERS podrían enfrentar:
➡Atrasos en el procesamiento de su retiro por OPM
➡ Pagos interinos que no cubren el beneficio completo
➡ El impacto del Diet COLA en tu ingreso mensual
➡ Posibles cambios en beneficios que afectan tu planificación a largo plazo

El problema no es retirarse. El problema es retirarse sin entender tus opciones.

Tu High-3, tu TSP, tu Survivor Benefit Plan — todo cuenta. Y cada decisión que tomes hoy tiene consecuencias directas en lo que recibirás mañana.

No esperes hasta el último año de servicio para hacer las preguntas correctas.

📅 Agenda tu consulta GRATIS de 30 minutos con Juan L. Aquino, MBA, CPFC®, FRC℠
📞 787-312-8313
🌐 jlafinancialplanningpr.com

06/02/2026

U.S. Treasury Bonds can be more than a “safe place” for your money.

For business owners, federal employees, and high-income families, they may help support capital protection, predictable income, and portfolio balance when used as part of a complete financial strategy.

But they are not a one-size-fits-all retirement plan. The real value comes from knowing how Treasury Bonds fit with your taxes, investments, cash reserves, and long-term goals.

At JLA Financial Planning, we help you build a strategy designed for protection, growth, and clarity.

Ready to review your options?

Call: (787) 312-8313
Visit: jlafinancialplanningpr.com

06/01/2026

💡 ¿Sabes realmente cuánto vale tu retiro hoy?

Muchas personas en Puerto Rico llevan años ahorrando sin saber si su plan está bien estructurado para cuando llegue el momento de retirarse.

La diferencia entre un plan bien coordinado y uno que no lo está puede ser significativa — especialmente aquí en Puerto Rico, donde las reglas contributivas tienen sus propias particularidades.En JLA Financial Planning te ayudamos a ver el panorama completo, sin tecnicismos y sin presión.

📅 Agenda una conversación hoy.
🔗 https://tr.ee/zZf6GY

05/29/2026

Having a good income is important — but without the right strategy, your money may not be working as hard as you do.

At JLA Financial Planning, we help professionals in Puerto Rico create a clear, personalized plan for retirement, taxes, investments, and long-term financial protection.

Stop guessing about your financial future. Start planning with confidence.

We don’t work for a company. We work for you.

Schedule your consultation here:
https://linktr.ee/jlafinancialplanning

05/27/2026

¿Cambiaste de trabajo o estás pensando en retirarte? 🤔

Tu 401(k) no debe quedarse sin atención. Ese dinero que acumulaste con años de trabajo merece una estrategia clara — no quedarse olvidado en un plan anterior.

Existen opciones como el rollover y ciertas anualidades que te permiten reorganizar tu dinero con enfoque en protección e ingreso para el retiro.

Porque tu futuro no se improvisa… se planifica.

📞 (787) 312-8313
🌐 www.jlafinancialplanningpr.com

05/22/2026