California Retirement Planning
Horizon Strategic Insurance Solutions
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.
Horizon Strategic Insurance Solutions 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.
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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.
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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Meet The Advisor
Michael Jenkins
CEO/Owner
Planning for retirement can often feel like standing at the base of a mountain. You’ve done the hard work of building, saving, and preparing—now the focus shifts to creating a thoughtful strategy that helps you move forward with clarity and confidence.
At Horizon Strategic Insurance Solutions, I’m Michael Jenkins, and with 19 years of professional experience, I serve as a seasoned guide for individuals and families navigating retirement, estate planning, and wealth protection. My background includes 16 years with Farmers Insurance, where I specialized in comprehensive risk management and insurance solutions, alongside 3 years in commercial real estate sales, giving me unique insight into high-value property and wealth assets.
My mission is to help replace financial uncertainty with retirement clarity, building personalized financial roadmaps that align with your goals, protect what you’ve built, and adapt as life evolves.
I believe successful planning starts with understanding that retirement is never one-size-fits-all. Whether you are approaching the transition, already enjoying retirement, or focused on preserving wealth for the next generation, I create strategies that integrate reliable income planning, insurance protection, and legacy focused estate solutions.
What defines my approach is true partnership. I work closely with my clients through every season of life, making strategic adjustments as priorities change and helping ensure each decision continues to support the bigger picture.
My goal is simple: I handle the financial complexities and build durable strategies so you can focus on what actually matters—your family, your future, and enjoying the fruits of your labor. If you’re ready to move forward with a clear, personalized strategy, I’d love to connect.
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Retirement Resources
Complimentary Educational Resources
Our Upcoming Events
Events in September–November 2026
- There are no events scheduled during these dates.
Our Downloads
Tax Planning Guide
The 401(k) is one of the most important retirement planning tools we have. You pay into it for decades and will likely rely on it, among other income sources, for many more decades in retirement. The potential tax benefits and power of compound returns can make it a great savings and investment tool for retirement. But to make the most of these accounts requires an informed strategy. There are several important things to know about your 401(k), such as how much you can contribute, options for your 401(k) when you leave your job, and how much you are paying in 401(k) fees.
Our Blog
Pros and Cons of Keeping Your Assets in Your Retirement Accounts
As you get closer to retirement, you may start to wonder what you should be doing with the assets you’ve [...]
Managing Market Volatility: How Gen X and Baby Boomers Navigate Shifting Financial Landscapes
Market volatility is a natural part of the financial ecosystem, but its impact varies depending on your specific stage of [...]
Inflation’s Impact on Your Retirement
Planning for retirement requires many considerations, but perhaps none is as subtle or pervasive as the influence of inflation. While [...]
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.
