You spent decades building. Now its time to live.
Retirement income and legacy strategies for family business owners and people close to retirement, built with annuities and life insurance. Founder Ismael Llera spent four decades in banking and capital markets. He opens every conversation the same way: what are you building, and who are you taking care of?
Based in Delray Beach, proudly serving clients throughout Florida and across 32 states with personalized insurance and retirement solutions.
About Ismael
Four decades in banking, capital markets, and retirement services
Former chief executive of a publicly traded company, on record with the SEC
Guided clients through the market turbulence of 1987 and the financial crisis of 2008
Based in Delray Beach, serving Palm Beach County and all of Florida
Licensed insurance professional, Florida
Verify our licensing with the Florida Department of Financial Services
Our approach
Leave the first conversation clear on what you're building.
The first hour is mostly about your life. What you want the next ten years to look like. Who depends on you. What you already own, and what you want it to do.
A set number every month. A business that outlasts you. A grandchild who gets to go to college. Whatever your situation is, the rest gets built around.
Once they're on the table, the product conversation happens—always based around who and what you love.
“Give me 1% of your confidence, and I’ll earn the other 99%.”
— Ismael Llera
Who we work with
Built for people who've already done the hard part.
Family business owners. You build something, and most of what you're worth is tied up in it. We work on what happens to it when you step back, and on making sure your family is taken care of either way.
People ten to fifteen years out of retiring. You've saved. We work out where the monthly income will come from, in what order you draw it, and what happens if you live longer than you planned for.
People are already retired. You're drawing income now. We look at where it's coming from, whether it holds up if you live longer than you planned for, and whether the policies and contracts you already own still fit the life you're in.
What people come to us for
Five things we work on, each one built around what you want first.
Here's the question that usually brings someone in, and the short version of how we handle it.
Retirement Income and Annuities
How do I turn what I've built into income I can live on?
We work out what the monthly number needs to be, then where it comes from and in what order. Annuities can play a part in that. So can what you already own.
Market Risk
How do I avoid market risk?
Fixed indexed annuities are one way to put a floor under part of what you've saved. They carry real trade-offs, and you'll have all of them in front of you before you decide anything.
Life Insurance
Does the life insurance I bought years ago still do what I think it does?
A review takes about an hour. You'll come away knowing what it pays, what it's costing you now, and whether it still fits the life you're living.
Legacy and Beneficiaries
How do I leave something behind to my kids?
A death benefit reaches the people you name directly, without waiting on probate. We go through who's named on what, so it matches what you want it to do.
Family Businesses
What happens to the business if I step back?
We work with you and your attorney* to craft the written arrangement that settles who buys your share and at what price, and on the funding that puts the money there when it's needed. Your family gets something already decided instead of a decision made in a hurry.
How we work
Ask first. Show the trade-offs. Stay reachable.
1.
We ask first.
The first conversation is mostly questions, and most of them are about your life rather than your money. What the next ten years look like. Who depends on you. What you already own and what you think it does.
2.
We show you the trade-offs.
You'll have the trade-offs in full before anything gets recommended: caps, surrender periods, cost of insurance, tax treatment. If the math doesn't work for your situation, you'll hear that too.
3.
We stay reachable.
Once something is in place, we regularly check in. When a business changes hands, a parent needs care, or a grandchild arrives, we go back through what it affects. You'll have a number that reaches the same person, and it gets answered.
Ismael Llera
Founder
Who you'll be working with
40-plus years of experience in your corner.
Ismael entered banking through a management training program and spent most of his career on the securities side, including years at a major Wall Street firm, before running a public company himself as chief executive of Illumination America, Inc.
Born in Havana, Cuba, Ismael came to Miami, Florida, in 1968 as a young child with his parents and older sister. Both parents had been professional educators in Cuba. As a Hispanic professional who is fluent in Spanish, he brings a practical advantage to serving Florida families, where clear conversations in either language can make important financial decisions easier. Watching his parents start over with nothing shaped his urgency: he would rather help you settle something this year than keep revisiting it five years from now.
Events
Retirement strategies, in person, in Palm Beach County.
We run in-person sessions for people in their fifties and sixties weighing the same decisions you make. You'll leave with an understanding of how these decisions are made, what the trade-offs can be, and what to ask of anyone who brings you a product.
Where we work
Palm Beach County in person. The rest of Florida on video.
Florida Resource Solutions is based in Palm Beach County, where most client meetings are conducted in person. We also serve clients throughout Florida through convenient and secure video meetings.
Whether you live nearby or elsewhere in the state, you receive the same personal attention, thoughtful guidance, and direct access to Ismael.
The rest of Florida. If your town isn't on this list, call and ask. We're licensed across the state, and a good part of this work happens by video..
You don't need to have it all figured out to start. You need an hour.
Come with whatever you have or come with nothing. You'll leave knowing what you're holding, what it's doing, and whether it still fits the life you're building. Some people leave with a change to make. Some leave knowing they don't need one.
Frequently Asked Questions
Where we work, and what comes up most.
Who helps with retirement income in Delray Beach?
We do, from here in Delray Beach, and it's most of our clientele. We sit down with people in Palm Beach County who are getting close to retiring or are already in it and work out where the monthly income comes from and in what order to draw it. It comes up early and often here: 28% of Delray Beach residents are 65 or older, according to US News.
Where can I get an annuity or a life insurance policy reviewed in Palm Beach County?
Here in Delray Beach, and the review costs you nothing but an hour. Bring the contract or the declarations page and you'll come away knowing what it pays, what it's costing you now, what happens if you get out of it early, and whether it still fits. Sometimes the answer is that it's fine as it is.
Do you work with clients outside Palm Beach County?
Yes. We're licensed across Florida, and a good part of this work happens by video with people in Orlando, Tampa, Jacksonville, and the rest of the state. For anyone in or near Palm Beach County, meetings usually happen in person, at your home or over lunch.
What do people in their fifties often overlook?
Three things we check first. Beneficiary forms that haven't been opened in fifteen years. Policies still being paid for that were built for a different life. And what the monthly income will come to, as a number, on paper.
