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HOME2026-05-01T22:35:03+00:00

 California Retirement Planning

Blue Horizon
Financial & Insurance Services

Retirement is personal. You’ve worked hard to save and invest your money and now it’s time to optimize and protect your savings to provide for your retirement and your loved ones thereafter.

Blue Horizon Financial & Insurance Services is an independent financial services firm, specializing in helping individuals and families prepare for, plan, and live in retirement. Our approach focuses on tailored retirement planning strategies and insurance solutions to provide our clients with guaranteed lifetime income, asset protection, and achieve tax efficiencies in support of a holistic approach to their finances.

Retire with confidence

Our Planning Process

Our three-step planning process works to help identify and implement suitable financial strategies for helping our clients meet their needs and achieve their goals and objectives for retirement.

01

Start Smart

02

Apply Discipline

03

Communicate Progress

01

Start Smart

Get a Clear Understanding of Your Financial Life

First, we gain a thorough understanding of your current financial situation, goals, objectives, risk tolerance, and the key considerations that should be addressed in your retirement strategy.

Six Fundamental Financial Planning Considerations

Six key financial planning considerations can impact your financial goals now and in the future. The question is not if these will affect your finances, but to what degree. We evaluate your sentiment toward each consideration and quantify the potential effects on your assets over time. This allows us to build customized strategies to help you achieve your financial objectives for retirement.

Longevity

Outliving financial assets as the result of a longer life.

Inflation

Reduction in real purchasing power as the result of increasing cost of living.

Mortality

Loss of financial assets as the result of a partner’s or spouse’s death.

Liquidity

Limited access to assets to meet life’s unexpected financial needs.

Market

Unexpected reduction in the value of financial assets at the time of withdrawal.

Taxes

Decreasing income and assets and/or the impairment of legacy assets from increasing taxes.

02

Apply Discipline

A Retirement Strategy Designed for You

Next, we design a retirement strategy that actively works to help optimize your wealth and protect your finances, keeping your goals and objectives at the forefront of our planning process.

Our Services, Your Future

We take the time to thoroughly explore your needs no matter the stage of life you are in to help provide a custom tailored solution that we continue to monitor and adjust until the end of time.

Maximize the growth potential of your investable assets in accordance with your risk tolerance and financial goals.

Increase you or your loved one’s future retirement income with a tax-efficient, capital leveraging strategy.

Ease the financial and emotional toll of long-term care with early planning so you can retire with peace of mind and dignity.

Establish tax planning strategies today for greater tax efficiency and financial flexibility later in retirement.

Support your retirement income plan with accumulation and tax-free distribution strategies in retirement.

Understand the benefits you are entitled to and how to maximize Social Security income in retirement.

Develop solutions for healthcare expenses not covered by Medicare, a federal health insurance program.

Our team helps set up and manage 401(k) plans to optimize retirement savings and ensure compliance with regulations.

We assist in selecting and structuring group life policies to provide cost-effective life coverage for employees.

We help businesses choose critical illness coverage to support employees financially if they are diagnosed with serious health conditions.

Our team guides the setup of hospital indemnity policies to help employees cover extra hospital-related expenses not paid by traditional insurance.

Design an income plan that delivers dependable income and financial security throughout your retirement.

Protect your estate and loved ones from unnecessary taxation and probate with proactive estate planning strategies.

Make the investment in your child or grandchild’s future with the gift of a college education through life insurance.

Explore options to protect your income in the event of an illness or injury that prevents your ability to work.

Develop strategies to protect assets against the effects of inflation.

Ensure access to assets to meet life’s unexpected  needs.

Safeguard your loved ones and your home with mortgage protection so they can afford keep your family’s home.

Preneed planning is the process of arranging and funding funeral, burial, or cremation services in advance. It allows individuals to make decisions about their final arrangements ahead of time, easing the emotional and financial burden on loved ones. This can be done through prepaid funeral plans, insurance policies, or trust accounts, ensuring that costs are covered and wishes are honored.

We design and oversee cash balance plans to provide predictable retirement benefits and maximize tax advantages for employers and employees.

Our team recommends supplemental accident plans that offer financial protection to employees in case of unexpected injuries.

We will advise on disability insurance plans that replace income for employees unable to work due to illness or injury.

03

Communicate Progress

Our Commitment to You

Lastly and continually, we work to ensure transparency of your income plan by providing visibility, proactive
outreach, and accessibility to our team throughout our working relationship.

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Here For You

Meet The Team

Rod Jones

Founder and Managing Partner

With almost two decades of experience in the financial Services industry. Rod has made in a point to increase knowledge in order to better service his clients with the education they deserve. Although every family and business need may differ, Rod focuses on providing valuable insight through education in order to help clients make decisions based on their personal needs. Rod’s dedication to this industry derived from a personal experience in 1992 when his mother suffered a stroke which caused a financial ruin.

Because of this personal experience it has become Rod’s passion to educate families and business owners by offering a more holistic approach to their planning needs. Rod specializes in building your trust as a client first, followed by providing the right solutions to your planning needs. Rod has extensive knowledge in Tax Diversification Strategies, Various life insurance offerings, Autunites, Roth Conversions, Individual and Group Disability, Individual and Group Health Care, Small to Large Employee Plan Benefits, Retirement Planning, Estate Planning, Keyman Insurance, Buy Sell Agreements, 401k, 457, 403B Rollovers, Company Pensions, and Debt Elimination (Giving Your Money Two Jobs!)

RR

Retirement Resources

Complimentary Educational Resources

Lastly and continually, we work to ensure transparency of your income plan by providing visibility, proactive outreach, and accessibility to our team throughout our working relationship.

Our Upcoming Events

Events in May 2026

  • There are no events scheduled during these dates.

Our Downloads

Tax Free Retirement

Tax-Free Retirement will: show you how to avoid 9 common financial landmines; teach you how to generate tax free retirement income; explain how to multiply your IRA two or three-fold for future generations; help you leave a lasting legacy beyond your wildest imagination.

Financial Calculators

CalcXML Financial Calculators

PLEASE NOTE: The information being provided is strictly as a courtesy. We make no representation as to the completeness or accuracy of information provided via these calculators. Nor is the company liable for any direct or indirect technical or system issues or any consequences arising out of your access to or your use of third-party technologies, information and programs made available through the use of these calculators.

Financial Literacy Videos

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    Blue Horizon Financial & Insurance Services BBB Business Review

    Contact Us

    9431 Haven Ave #232
    Rancho Cucamonga, CA 91730

    (800) 515-1691

    Blue Horizon Financial & Insurance Services BBB Business Review

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      Contact Information:

      9431 Haven Ave #232
      Rancho Cucamonga, CA 91730

      Phone: (800) 515-1691

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        I consent to receive marketing text messages from Blue Horizon Financial & Insurance Services at the phone number provided. Frequency may vary. Message & data rates may apply. Text HELP for assistance, reply STOP to opt out.

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        Discover strategies for maximizing your Social Security benefit.

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            I consent to receive marketing text messages from Blue Horizon Financial & Insurance Services at the phone number provided. Frequency may vary. Message & data rates may apply. Text HELP for assistance, reply STOP to opt out.

            I consent to receive non-marketing text messages from Blue Horizon Financial &Insurance Services about my order updates, appointment reminders etc. Message & data rates may apply.


            Discover how to reduce the potential challenges of the investment landscape in retirement.

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              I consent to receive marketing text messages from Blue Horizon Financial & Insurance Services at the phone number provided. Frequency may vary. Message & data rates may apply. Text HELP for assistance, reply STOP to opt out.

              I consent to receive non-marketing text messages from Blue Horizon Financial &Insurance Services about my order updates, appointment reminders etc. Message & data rates may apply.


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              For a complimentary copy of 6 Real Financial Risks You Could Face in Retirement, complete the form below.





                Discover strategies for maximizing your Social Security benefit.

                For a complimentary copy of Maximizing Social Security: What You Need to Know to Get the Most Out of Your Benefit, complete the form below.





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                    Discover if your financial plan will meet your needs and achieve your goals in retirement.

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                        I consent to receive marketing text messages from Blue Horizon Financial & Insurance Services at the phone number provided. Frequency may vary. Message & data rates may apply. Text HELP for assistance, reply STOP to opt out.

                        I consent to receive non-marketing text messages from Blue Horizon Financial &Insurance Services about my order updates, appointment reminders etc. Message & data rates may apply.


                        Rita Nelson

                        Office Manager

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                        Orci porttitor sed est sed sociosqu viverra pretium dictum. Faucibus cras ullamcorper quam lacus inceptos donec tempor cras pretium? Congue orci tristique posuere litora interdum tristique; pretium cras. Mauris ante vulputate malesuada pretium curabitur dui nisi viverra placerat. Aptent pharetra ultrices fringilla id quis eget. Montes massa aptent arcu pharetra tincidunt nibh augue. Cubilia orci dapibus scelerisque accumsan consectetur inceptos suscipit fringilla. Praesent semper fusce ligula himenaeos phasellus ante quam.

                        Michelle Quickley

                        Managing Partner

                        With almost two decades of experience as a Financial Insurance Advisor, Michelle has cultivated a reputation for her commitment to client education and advocacy within the insurance industry. She approaches each client interaction with a familial touch, ensuring clarity and understanding in navigating the diverse landscape of financial insurance products and strategies.

                        Michelle’s dedication extends beyond individual relationships; she actively contributes to our organization’s mission of providing reliable guidance and education to both clients and the broader community. Hailing from Southern California, Michelle’s affinity for the outdoors and global exploration complements her passion for client service and community engagement, making her an invaluable asset to our team.

                        Rod Jones

                        Founder and Managing Partner

                        With almost two decades of experience in the financial Services industry. Rod has made in a point to increase knowledge in order to better service his clients with the education they deserve. Although every family and business need may differ, Rod focuses on providing valuable insight through education in order to help clients make decisions based on their personal needs. Rod’s dedication to this industry derived from a personal experience in 1992 when his mother suffered a stroke which caused a financial ruin.

                        Because of this personal experience it has become Rod’s passion to educate families and business owners by offering a more holistic approach to their planning needs. Rod specializes in building your trust as a client first, followed by providing the right solutions to your planning needs. Rod has extensive knowledge in Tax Diversification Strategies, Various life insurance offerings, Autunites, Roth Conversions, Individual and Group Disability, Individual and Group Health Care, Small to Large Employee Plan Benefits, Retirement Planning, Estate Planning, Keyman Insurance, Buy Sell Agreements, 401k, 457, 403B Rollovers, Company Pensions, and Debt Elimination (Giving Your Money Two Jobs!)

                        Michael Wall

                        Managing Partner

                        My goal in life is to always look for an opportunity to give a person a hand up and a way to add some level of growth and positivity to their life using the knowledge and tools at my disposal.

                        Born and raised in New Jersey, later migrated to Sacramento, CA via the United States Air Force. In the Air Force I began my journey into helping people as a Medical Service Specialist (Medic).

                        Once my tour was completed, I decided to continue in the medical profession and decided to become a Nurse. I enjoyed a long career(36yrs) at UCDMC with a specialty in Pediatric Nursing and the last 20 years in Pediatric ICU.

                        During that time, I decided to feed my entrepreneurial spirit and explored a few business ventures but settled on a couple, Real Estate and Financial Services. In the Real Estate industry, I worked in the residential arena and transitioned to the commercial arena assisting business owners and investors. Adding Financial Services to my repertoire and partnering with Blue Horizon Financial and Insurance Services, I saw how I can be of greater service to my clients.

                        Discover the little-known strategy for realizing tax-free income in retirement.

                        To receive a complimentary copy of Tax-Free Retirement, complete the form below.







                          I consent to receive marketing text messages from Blue Horizon Financial & Insurance Services at the phone number provided. Frequency may vary. Message & data rates may apply. Text HELP for assistance, reply STOP to opt out.

                          I consent to receive non-marketing text messages from Blue Horizon Financial &Insurance Services about my order updates, appointment reminders etc. Message & data rates may apply.


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