About Us
Objective:
VJ Financial Insurance Services was founded to provide comprehensive and customized financial solutions to help individuals plan for a secure and comfortable retirement while protecting their assets through insurance.
Mission:
Our mission is to empower our clients to make informed financial decisions that will lead to a worry-free retirement and provide peace of mind regarding insurance coverage. We strive to build long-lasting relationships based on trust, integrity, and personalized service.
Vision:
Our vision is to become the leading financial planning and insurance firm that specializes in retirement solutions, known for our expertise, reliability, and dedication to helping clients achieve their financial goals and secure their future.
Our Team
"Empower Your Finances, Secure Your Future: Protect What Matters Most."
As a retired federal employee, I’ve dedicated my post-career life to serving others. As an independent insurance agent, risk analyst, Medicare advisor, and small business retirement consultant, I help individuals, families, and business owners make informed decisions about their financial futures and health coverage.
I have extensive experience with federal benefits (including TSP, OPM, FEGLI, SGLI, VGLI, the Florida Retirement System, Puerto Rico Plan 106, and 403(b) plans), private-sector plans such as 401(k)s, and small business plans including 412(e)(3). I also guide beneficiaries through their Medicare and health insurance options so they can choose the coverage that best fits their needs and goals.
"Empower Your Finances, Secure Your Future: Protect What Matters Most."
A retired Sergeant Major from the U.S. Army, Kenneth Juede brings invaluable leadership and discipline to the company, along with deep experience in the military, federal government, and military transition from active duty to civilian life. His insight into the unique financial challenges service members and federal employees face is paramount to the mission of VJ Financial, strengthening the support and strategies offered to every client.
Call us today to start your journey toward financial empowerment and protection, and ensure that you and your loved ones are well-prepared for the road ahead.
"Empower Your Finances, Secure Your Future: Protect What Matters Most."
Yma Gonzalez Marrero brings extensive experience in accounting and banking to VJ Financial Insurance Services, where she discovered her passion for helping the golden age community. Dedicated to guiding seniors toward financial protection and peace of mind, Yma has participated in numerous initiatives supporting their well-being. Her belief that life is precious and unpredictable drives her mission to help others stay prepared for the future.
Call us today to begin your journey toward lasting confidence and protection with the guidance of Yma Gonzalez Marrero.
Retirement Benefits Education: TSP, FEGLI, 401(k), More
Thrift Savings Plan
VJ Financials specializes in helping federal employees get the most out of their Thrift Savings Plan (TSP) by showing you how to maximize contributions and match, choose investments that fit your career stage, and then protect and position those funds as you approach retirement, so that when you decide to leave federal service you have a clear strategy for preserving your TSP, managing risk, and turning your balance into reliable retirement income tailored to your goals.
Office of Personnel Management (OPM)
VJ Financials specializes in helping federal employees turn complex benefits into a clear, confident retirement plan by coordinating your FERS/CSRS pension, TSP, Social Security, and survivor options in plain language so you can avoid costly mistakes and maximize lifetime income—if you’ve ever wondered, “Am I really on track to retire?” we invite you to connect with us for a no‑obligation review tailored specifically to your federal career.
Unlocking Retirement Power for Small Business Owners with 412(e)(3) Plans
A 412(e)(3) plan is a fully insured defined benefit retirement plan that allows small business owners to make large, tax-deductible contributions while providing guaranteed, contract-based retirement income. Funded exclusively with fixed annuities and/or life insurance, this mechanism can help closely held businesses accelerate retirement savings, stabilize benefits regardless of market swings, and potentially improve current tax efficiency—especially valuable for owners who are older, highly compensated, or catching up on retirement planning.
The Federal Employees’ Group Life Insurance (FEGLI)
Federal Employees’ Group Life Insurance (FEGLI) is a valuable benefit, but as you age and move into retirement, your coverage typically goes down while your premiums go up. This means you can end up paying more over time for less protection, which can strain a fixed retirement income. Reviewing FEGLI before retirement helps you understand how your coverage will shrink, how your costs will rise in future age bands, and whether you should keep, reduce, or replace part of this coverage so your family is properly protected.
Servicemembers’ Group Life Insurance (SGLI)
Servicemembers’ Group Life Insurance (SGLI)
Servicemembers’ Group Life Insurance (SGLI) is low‑cost term life insurance that protects your family financially while you are in the military, but it does not last forever. As you approach retirement or separation, it is crucial to review your SGLI to understand when it ends, whether the current amount of coverage is enough for your family’s needs, and what your options are for converting it to Veterans’ Group Life Insurance (VGLI) or a private policy. Doing this before you retire helps you avoid any gap in protection, lock in coverage while you are still eligible for favorable conversion rules, and ensure your beneficiaries and coverage match your overall retirement and estate plans.