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Economic Planning


At Capetillo Insurance Solutions we believe that life is more than a paycheck. Our mission is to ease your worries and help you create a sound financial strategy that provides not only a steady paycheck for life, but a playcheck as well.

As Part of The Capetillo Insurance Solutions Process, we'll help you create a retirement income plan that balances:

  • Daily Living Expenses
  • Budgeting for Luxuries & Quality of Life
  • Planning your Social Security Benefits for Maximum Results
    (Social Security can add $1M to your retirement fund*)
  • Factoring in Pensions Withdrawal Strategies
  • Factoring in both Expected & Unexpected Medical Expenses
  • Planning for the unexpected and the inevitable
One of the most imperative decisions you can make in regards to your retirement is when to start receiving your Social Security benefit. There are pros and cons to delaying your benefit, as well as receiving it as soon as you become eligible - at age 62. We can help you navigate this process by showing you precisely what to do, and at what time, to maximize your Social Security Benefit.

Are you seeking guaranteed retirement income or looking for an additional tax-advantaged way to save for retirement?

We have a broad selection of retirement annuity products designed to help fit your needs. Our highly trained professionals are ready to guide you and help you feel confident you're making the most suitable retirement planning decisions.

We can review your current annuity to see if there is a more suitable lower-cost option available that might provide you with more competitive rates.

Call me to discuss our profitable annuity strategies: (209) 442-4300



We do everything we can for our loved ones, not because we have to, but because we want to. With the right life insurance coverage, we can be confident knowing that our loved ones will be able to live out their dreams, no matter what the future holds.

If you're looking for affordable life insurance coverage for a specific period of time, term life insurance may be right for you. Permanent life insurance offers many different options, you can find the right guarantees, flexibility and cash value options to fit your needs.

Why You Should Buy Life Insurance

Find Out

No one plans to get sick or hurt, but most people need medical care at some point. Health insurance covers these costs and offers many other important benefits.

Health insurance protects you from unexpected, high medical costs. You pay less for covered, in-network health care and get free preventive care (like vaccines, screenings, and check-ups) even before you meet your deductible.

Choosing a dental, vision and hearing plans can be as perplexing as choosing the right health plan, especially if you're not working with representatives who help you understand your options. We’ll answer any questions you have about the variety of waiting periods, annual limits, and exclusions inherent in most individual plans. We are proud to offer a variety of options, and we're happy to explain them clearly.

To learn more about our stand alone dental & vision plans visit CIS Dental & Vision Plans. Our most popular program combines dental, vision & hearing benefits into one plan. This plan is ideal for packaging with a Medicare Supplement plan. To learn more visit Manhattan Life DV&H or call (209) 442-4300 to learn more about any of our plans.
Medicare Supplements, sometimes called Medi-Gap insurance, have been around since the start of Medicare in 1965. Medicare supplement plans are standardized and available in plans A, B, C, D, F, G, K, L, M and N. A standardized plan simply means that two plans with the same letter will provide the exact same coverage, no matter what company sells them. The standardization of Medicare Supplement plans makes comparison a little easier when everything else with Medicare can seem so confusing and complicated.

At Capetillo Insurance Solutions, Medicare health plans are our main focus. If you are looking for a Medicare Supplement, we’ve got one to fit your personal needs and situation and we will take the time to sit down and explain it all to you in plain English.

Find out if a Medicare Supplement plan is best for you by calling us at (209) 442-4300 or visiting Medicareful.com/cis.
Medicare Advantage plans are quickly becoming popular because of the extra benefits that are offered such as: extra days in the hospital, low copay's for office visits, low cost prescriptions, dental, vision and hearing benefits.

These plans are offered throughout the United States through private insurers. You must have Part A and Part B of Medicare to enroll in a plan and Medicare's Part B premium must be paid in addition to any plan premiums. Private insurers offer policies that have varying co-payments and premiums that may start as low as $0.00 per month.

Find out if a Medicare Advantage plan is best for you by calling us at (209) 442-4300 or visiting Medicareful.com/cis.

In the late 1990s, a new financial product was developed to help consumers cover expenses associated with critical illness. Appropriately, it's called Critical Illness Insurance.

This specialized insurance provides a lump-sum, tax-free payment should a policyholder suffer from certain specific critical conditions. Some 600,000 Americans now have this protection purchased on an individual basis or through a plan offered by their employer.

Give us a call to set up your free consultation: LET'S GET STARTED

Having trouble paying for expensive brand name medications?

Are you burning through your savings, or going without medications because they are just too expensive? Have you been declined by other programs that provide assistance with Rx costs? Help is available via Lone Star Script Care! Visit Lone Star Script Care for more info.

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There are many places you can go to get help with your retirement planning. If you're a do-it-yourself kind of person, or you're just looking for some basic guidance, you can check out our online resources to learn the basics (you're off to a good start!), and we're here to help answer any of your questions.