California Retirement Planning
PMV Financial and 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.
PMV Financial and 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.
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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.
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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.
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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
Sean Vazquez
Co-Founder
Executive Summary
With over 30 years of dedicated experience in the service industry, I specialize in providing strategic retirement and legacy planning tailored to the unique needs of small business owners, educators, and public sector employees. My professional philosophy is rooted in the values of discipline and integrity—principles forged during my service in the United States Marine Corps (1989–1993). I am passionate about bridging the financial literacy gap for middle-class families, empowering them with sophisticated tools and strategies traditionally reserved for high-net-worth individuals.
Core Expertise
- Strategic Consulting: Developing personalized financial roadmaps for individuals and small business entities.
- Legacy & Retirement Planning: Ensuring long-term financial security and the efficient transfer of generational wealth.
- Educational Advocacy: Providing clear, actionable financial education to empower the community.
- Client-Centric Leadership: A “lead by serving” approach that prioritizes the goals and well-being of the client above all else.
Philosophy & Values
My life is guided by faith, family, and a commitment to excellence. As a husband, father, and grandfather, I understand the weight of responsibility that comes with being a provider. This perspective fuels my drive to help my clients build stable foundations for their own families. I bring a competitive spirit to every endeavor—whether navigating complex financial markets or pursuing excellence in my personal interests.
Personal Interests
Beyond the office, I am an avid outdoorsman and a lifelong musician. I find balance through the discipline of playing in a band and the patience required for fishing, whether in the waters of Mammoth or Cabo. A dedicated “foodie” and enthusiast of the culinary arts, I believe that the best connections are often made over a shared meal or a backyard BBQ.
“I believe in the power of leading through service. Let’s connect to share a story and discuss how we can build your financial legacy together.”
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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 April–June 2026
- There are no events scheduled during these dates.
Our Downloads
A Short Introduction to Long-Term Care
If you know someone who takes care of their parents or if you’ve done it yourself, you know how stressful it can be. Now, think about a time when you might need that same care. That’s why having a long-term care strategy can help give you and your family peace of mind and help lessen the burden of an unexpected expense.
Our Blog
National Credit Awareness Month: Understanding and Nurturing Credit Intelligence
In National Credit Awareness Month is held each March to educate the public about the importance of credit in our [...]
Understanding the Difference Between Income Tax and Capital Gains Tax
In the realm of taxation, two terms often surface: income tax and capital gains tax. Both are crucial aspects of [...]
Minding Future Taxes: Traditional IRA vs. Roth IRA
When considering retirement savings options, it is paramount to understand the tax treatment of the various types of retirement accounts [...]
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.
