California Retirement Planning
Astalos Insurance Agency
Your Legacy and Business Are Personal.
You’ve worked hard to build your business, grow your assets, and provide for your family. Now, it’s time to optimize and shield what you’ve built—ensuring your enterprise is protected, your loved ones are secure, and your hard-earned wealth is structured to last through retirement and beyond.
Astalos Insurance Agency is an independent financial services firm specializing in wealth preservation, business protection, and strategic retirement planning.
What We Do
Our approach integrates sophisticated, asset-backed protection strategies with tailored retirement planning to achieve a singular goal: absolute financial security for your household and your business. We help our clients navigate:
- Business Continuity & Succession: Implementing specialized corporate safeguards—such as buy-sell funding and key-person protection—to ensure your business survives and thrives, no matter what the future holds.
- Family Asset Protection: Structuring high-tier, guaranteed financial vehicles that shield your family’s lifestyle and provide an immediate, tax-free liquidity injection for your heirs.
- Guaranteed Lifetime Income: Designing tax-efficient distribution strategies that ensure you never outlive your capital.
- Tax Efficiency & Wealth Transfer: Leveraging strategic contract structures to minimize tax liabilities today while maximizing the net wealth passed down to the next generation.
At Astalos Insurance Agency, we don’t just plan for retirement; we insulate your entire financial ecosystem.
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.
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
Joe Astalos
Co-Founder
CA License: #0727675
Joe Astalos has been in the financial industry for over 40 years now. Starting his career at Bear Stearns, known today as JP Morgan Chase, he worked with four, high-profile stock brokers where he learned the fundamentals of what’s needed to build safe and secure strategies for growing families who are going through significant, life-changing events.
He continued pursuing his career in the financial sector by joining Metropolitan Life Insurance, also known as MetLife, and later at Prudential Financial. It was Joe’s knowledge and impeccable customer service which led him to receive awards such as the Rookie of the Year and the Yellow Ribbon in their development academy. Joe exceled at his profession at MetLife and Prudential, however he wanted to give his clients more customized strategies which he felt were unachievable in a corporate-structured environment where there is a limit to the products and services offered. That’s when he created Astalos Insurance Agency.
Joe saw the benefit in starting an independent advisory firm because it could give him the flexibility to customize a plan for each of his clients’ specific needs. This also allows him to offer the most competitive products with the best rates.
To this day, Joe continues to help families with their insurance needs and financial goals. He is a wellrespected, nationally recognized advisor in the financial world; being asked to guest speak at various industry workshops, provide consultation to several hundred advisors, and edit and review material for the final manuscript of the book, “The Dow Jones-Irwin Guide to international Securities, Futures, and Options Markets” by William E. Nix and Susan W. Nix. He has received the distinguished honor of being named to several Leaders and Presidents Clubs, as well as being a member of the Million Dollar Round Table. You can also find him being featured in Broker World and Insurance News Net magazines.
Joe is happily married and has two children. He participates in high level competitive sports including soccer and ice hockey, and enjoys hiking with his dogs. His interests include music, collectibles, and traveling.
Featured In:
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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 September–November 2026
- There are no events scheduled during these dates.
Our Downloads
Ultimate 401(k) Guide
Your 401(k) can be a powerful retirement tool if you know how to use it wisely. This guide covers smart contribution strategies, withdrawal planning, rollover rules, and the hidden limitations many people overlook. Don’t just have a 401(k); have a strategy to make it work harder for your future.
Our Blog
How to Stick to Financial Resolutions
Near the top of the list at the start of every year are often financial resolutions—commitments to save more, spend [...]
Should I Consider a Roth IRA Conversion?
A Roth conversion is the process of moving assets from a Traditional, SEP, or SIMPLE IRA, or from a qualified [...]
A Guide to Understanding Tax Refunds
A tax refund is a repayment to taxpayers for any excess tax paid. It is a form of refund issued [...]
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.
