Strategic Planning That Safeguards Your Personal and Professional Lives

Customized advice tailored to your needs.
strategic business planning
Effective plans, including market analysis, business optimization, and much more.
financial guidance
Strategies tailored to your unique goals because general plans do not suffice.
risk management
Identify potential risk areas to mitigate possible risks, be it financial, operational, or personal.
tax advice
Get expert advice on tax planning and compliance, ensuring optimized strategies that follow legal compliance.
Personal and Business Consultant
OUR APPROACH

Secure Your Future With Personal and Business Consultation Solutions for You

Get personal and business consultant services and investment solutions against the uncertainties of life. We offer vital protection to you and your loved ones with a range of insurance options designed to safeguard what matters to you the most. From personal health insurance plans that ensure access to quality medical care to life insurance coverage that provides financial security for your family’s future, our comprehensive guide allows you to navigate through the uncertainties of life as smoothly as possible. 

We understand that everyone has unique coverage requirements. That is why our dedicated team of experts works closely with you to assess your individual and business goals, delivering custom personal and business consultant solutions for each. Whether it is about protecting your business or your home and belongings against unplanned risks, our exceptional service and comprehensive coverage options allow you to trust us in offering reliable support and guidance whenever you need it. Explore a range of insurance solutions at JLA and take the first step towards securing a brighter and more confident future.

Our Guide to Strategic Personal and Business Consultation Services

STEP-1

Assessing Insurance Needs

We begin by evaluating your insurance needs based on personal circumstances and business goals. Consider factors like your age, health status, dependents, assets, liabilities, and future financial goals.

STEP-2

Research and Comparison

We research insurance providers and policies to find the best options that meet your needs and budget. This helps us tally all available policies and choose the one that aligns with your personal and business goals so you choose the right one.

STEP-3

Application and Underwriting

Once you have selected the ideal insurance policies, you will have to complete the application process with your chosen insurance provider. It may involve providing crucial personal information or business details.

STEP-4

Policy Insurance and Management

After completing the application and underwriting process, the insurance company will issue your policy if you are approved for coverage. You can review the policy documents and understand the terms, conditions and coverage details for a smooth ride.

WHAT WE DO

We Bring You the Best Insurance Tools for an Informed Decision

Personal and business consultant services provide financial protection and peace of mind for you, your family and your business against unexpected risks like property disputes, health risks and much more.

Health Insurance
Health Insurance

Explore coverage that protects you from healthcare costs.

Disability Insurance
Disability Insurance

Protect your income from sudden losses due to accidents.

Property Insurance
Property Insurance

Secure your assets from loss or damage.

Life Insurance
Life Insurance

Explore coverages that secure your and your family's future.

Hospitalization
Hospitalization

Recover any amount of medical expenses in hospital stays.

Cancer Insurance
Cancer Insurance

Cover your cancer treatment with this ideal package.

Commercial Insurance
Commercial Insurance

Protect your business against any sort of damage.

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Our Consultation is Always in Sync With Your Life and Business Goals

Our personal and business consultant in Puerto Rico seamlessly aligns with your personal and professional vision, ensuring every recommendation complements your long-term objectives.
MEET OUR TEAM

Our Associates

Juan Luis Aquino

MBA, CCFP, CPFC, FRC
Especialista en Planificación Financiera y Contributiva

Amarilis Alicea

CCPF, CPFC
Analista de Riesgos Especiales

Magdalis Martinez

CCFP, CPFC
Representante Autorizado

Frequently Asked Questions

When people first visit our site, one of the most common questions we hear is how a single agency can responsibly guide both personal and business insurance decisions without mixing priorities or overlooking details. It’s a fair concern, especially when you’re dealing with different types of coverage like health insurance for your family and commercial insurance for your company.

At JLA, our role as a personal and business consultant is to look at the full picture of your life and work, not as two separate worlds, but as interconnected parts of your financial reality. Many business owners, professionals, and families face overlapping risks. A health issue can affect income. A business interruption can impact household stability. Ignoring those connections often leads to coverage gaps.

From our perspective, we start by understanding how you earn income, who depends on you, and what assets you’re responsible for. On the personal side, this may include health insurance, life insurance, disability coverage, hospitalization policies, or cancer insurance. On the business side, it often includes property insurance, liability coverage, and business interruption protection. Each area has its own purpose, but they work best when designed together. As part of our personal and business consultant services, we guide clients through conversations they may not have had before. For example, we help you understand how personal disability insurance supports you if illness prevents you from running your business, or how commercial insurance protects the income stream your family relies on. This approach helps reduce blind spots that can create financial stress later.

We also focus on clarity. Insurance terms can be confusing, and many people buy policies without fully understanding how or when they apply. At JLA, we explain coverage in plain language, making sure you know what is protected, what is not, and why certain decisions matter. Our goal is not to sell products, but to help you make informed decisions with confidence. Another key benefit is consistency. Instead of working with multiple advisors who only see part of your situation, you have one consulting relationship that evolves as your life and business change. Whether you’re hiring employees, buying property, starting a family, or planning long-term stability, we adapt your strategy accordingly.

In short, working with JLA means you’re not juggling disconnected advice. You’re building a coordinated approach that protects your health, income, family, and business thoughtfully and practically.

Many people begin their search assuming insurance is simply about choosing a plan, filling out forms, and paying a premium. While that approach may work in very simple situations, it often falls short when personal and business responsibilities overlap.

Clients who look for personal and business consultant services usually do so after realizing that online comparisons and one-size-fits-all recommendations don’t address their real concerns. Questions like “What happens to my income if I’m hospitalized?” or “How does my business survive if I can’t work for several months?” require deeper guidance.

At JLA, we don’t begin with policies. We begin with people. We take time to understand your personal responsibilities, your business structure, and your plans. From there, we help you evaluate where insurance fits into your overall financial protection strategy. This includes reviewing personal health insurance, disability insurance, life coverage, and specialized plans like cancer or hospitalization insurance, alongside commercial insurance needs such as property and business interruption coverage.

One advantage of working with a consultant is perspective. When you buy insurance independently, you’re often reacting to price or marketing language. At JLA, we help you understand how each type of coverage functions under real-life circumstances. For example, we explain how personal health insurance works differently from hospitalization coverage, or how business insurance protects operations but not necessarily personal income unless coordinated properly.

As a firm providing personal and business consulting solutions, we also help clients avoid duplication or gaps. It’s surprisingly common for individuals to overpay for overlapping coverage while missing protection in critical areas. Our role is to identify what’s necessary, what’s redundant, and what aligns best with your goals.

We also provide continuity. Life and business are not static. As your income changes, your family grows, or your business expands, your insurance needs evolve. Rather than starting from scratch each time, we update and refine your strategy over time, keeping everything aligned.

Ultimately, our clients value peace of mind. Instead of guessing whether they made the right choices, they know their decisions are informed, intentional, and supported by ongoing guidance. That confidence is the real value of working with JLA.

Health insurance is one of the most emotionally charged financial decisions people make. It affects not only your budget, but also your access to care during stressful moments. Many clients tell us they feel overwhelmed by plan options, terminology, and fine print.

When clients ask about personal health insurance, we approach the conversation with simplicity and empathy. At JLA, we understand that most people are not trying to become insurance experts. They simply want coverage that works when they need it, without surprises.

Our process begins with understanding your situation. We ask about your health priorities, family needs, preferred providers, and financial comfort level. We also consider how your health coverage fits into your broader financial picture, especially if you own or operate a business.

Midway through the process, we help clients evaluate personal health insurance plans by focusing on practical differences rather than overwhelming details. Instead of comparing dozens of features, we highlight what matters most, such as coverage for routine care, hospitalization, specialist access, and out-of-pocket exposure.

We also explain how health insurance interacts with other forms of protection. For example, health insurance covers medical care, but it doesn’t replace income if you’re unable to work. That’s where disability insurance or supplemental hospitalization coverage becomes relevant. By addressing these connections, clients gain a clearer understanding of how their protection actually functions.

At JLA, our goal is to reduce confusion, not add to it. We translate complex terms into everyday language and answer questions honestly. If a plan has limitations, we explain them. If a client doesn’t need a certain type of coverage, we say so.

Most importantly, we stay available. Health insurance decisions don’t end once a plan is selected. As life changes, we revisit coverage to ensure it still makes sense. That ongoing support is what many clients value most.

Many business owners focus on growing revenue but underestimate how vulnerable that income can be without proper protection. A single illness, injury, or unexpected event can disrupt operations and affect personal finances at the same time.

When clients ask about a business consultant or financial advisory approach, they are often looking for guidance that goes beyond basic insurance policies. At JLA, we view business protection as an extension of personal financial security.

Our consulting process starts by understanding how your business generates income and how dependent it is on your involvement. We then evaluate commercial insurance needs, such as property coverage, liability protection, and business interruption insurance. These policies help safeguard the business itself.

However, protecting the business alone is not enough. As part of our business consultant financial services, we help ensure that personal income is also protected if you’re unable to work. This may involve disability insurance, life insurance, or supplemental health-related coverage that bridges the gap between personal and business risk.

We also help clients understand timing. Some protections are critical early on, while others become more relevant as a business grows. Our role is to guide you through those stages thoughtfully, avoiding unnecessary coverage while addressing real risks.

By aligning business and personal strategies, we help reduce stress and uncertainty. Clients know that if something unexpected happens, both their business and household have a plan in place.

When people search for a personal and business consultant near me, they are usually looking for more than convenience. What they really want is relevance, understanding, and guidance that feels personal rather than generic. Many clients come to JLA after working with large national providers who offered standardized recommendations that didn’t fully reflect their personal responsibilities or business realities.

At JLA, we understand that insurance and financial protection decisions are deeply personal. Your health, your income, your family, and your business are all interconnected. A national provider may offer broad options, but they often lack the context needed to understand how those options fit into your everyday life. Our role is to bridge that gap by providing advice that reflects who you are, how you earn, and what you’re protecting.

From our perspective, proximity is not just about physical location. It’s about accessibility and relationship. Clients want to ask questions, revisit decisions, and have conversations as life evolves. Whether it’s reviewing personal health insurance, disability coverage, or business property insurance, we take the time to explain how each piece works and why it matters. That ongoing dialogue helps clients feel confident rather than overwhelmed.

In the middle of our consulting process, we focus on alignment. Personal insurance, like life, health, hospitalization, or cancer insurance, protects your household, while commercial insurance protects your business assets and operations. When these are handled separately, important connections are often missed. At JLA, our personal and business consultant services are designed to ensure both sides support each other. If an illness affects your ability to work or a business interruption impacts your income, your protection strategy is already coordinated.

Another reason clients prefer local consulting is trust. Insurance decisions are not just financial; they involve long-term commitments. Working with a consultant who understands your environment, communicates clearly, and remains available builds trust over time. Clients appreciate knowing they have a dedicated point of contact who understands their full picture, not just a single policy.

Ultimately, searching for a consultant is about peace of mind. It’s about knowing someone is actively helping you make informed decisions, not simply processing transactions. At JLA, we value that trust and work hard to earn it through clarity, consistency, and personalized guidance.

Clients in Puerto Rico often face unique financial and insurance considerations that differ from those on the mainland. That’s why individuals and business owners searching for a personal and business consultant in Puerto Rico are usually seeking guidance that reflects local realities, not assumptions made elsewhere.

At JLA, we work closely with clients to understand how personal and business risks intersect within the Puerto Rican context. This includes evaluating personal health insurance, disability insurance, life insurance, and supplemental coverage such as hospitalization or cancer insurance, alongside commercial insurance needs like property protection and business interruption coverage.

Our approach begins with listening. We take time to understand your personal responsibilities, business structure, income sources, and long-term goals. From there, we help you prioritize protection in a way that feels manageable and intentional. Insurance should support your life and business, not add confusion or stress.

Midway through the process, we help clients see how personal and business coverage interact. For example, while commercial insurance protects business assets, it does not replace personal income if you’re unable to work. That’s where disability or life insurance plays a critical role. As part of our personal and business consultant services in Puerto Rico, we ensure these connections are clearly explained and thoughtfully addressed.

We also place strong emphasis on education. Many clients arrive with policies they don’t fully understand or coverage that no longer fits their situation. At JLA, we explain terms in plain language and walk through realistic scenarios, so clients know what to expect before something happens.

Our role doesn’t end after recommendations are made. Life changes, businesses grow, and priorities shift. We remain engaged to adjust strategies as needed, helping clients maintain protection that evolves with them. For clients in Puerto Rico, that continuity and local understanding make a meaningful difference.

Many people assume all insurance advisors operate the same way, but there is an important distinction between traditional agencies and personal and business consultant firms. The difference lies in focus. Traditional agencies often concentrate on selling specific policies, while consulting firms focus on guidance, strategy, and long-term alignment.

At JLA, we approach insurance as one part of a broader protection strategy. We don’t start by recommending products. We start by understanding your personal life, your business responsibilities, and the risks that could affect both. This includes evaluating personal insurance such as health, disability, life, hospitalization, and cancer coverage, alongside business insurance like property and commercial protection.

As one of the personal and business consultant firms in Puerto Rico, our goal is to help clients understand how each type of coverage works together. We explain not only what a policy does, but why it exists and when it becomes relevant. This approach helps clients make decisions with confidence rather than uncertainty.

Another key difference is continuity. Consulting firms build long-term relationships. As your income changes, your family grows, or your business evolves, we revisit your strategy to ensure it still makes sense. This ongoing support is something many traditional agencies are not structured to provide.

At JLA, we believe informed clients make better decisions. Our role is to educate, guide, and support, not to rush or pressure. That mindset is what sets consulting firms apart.

Unexpected events are often the true test of any financial or insurance plan. Clients who explore personal and business consultant solutions usually want reassurance that their protection will actually work when life takes an unexpected turn.

At JLA, we design strategies with disruption in mind. Illness, injury, hospitalization, or business interruptions don’t just affect one area of life. They often impact personal income, family stability, and business operations at the same time. That’s why we focus on coordination rather than isolated coverage.

In the middle of our planning process, we look closely at how personal insurance and business insurance interact. Health insurance covers medical care, but it doesn’t replace income. Disability insurance supports income, but only if structured properly. Business interruption insurance protects operations, but not personal expenses. Our role is to ensure these pieces work together.

As part of our personal and business consultant solutions in Puerto Rico, we help clients understand realistic scenarios and how coverage responds. This clarity reduces stress during difficult moments because expectations are already set. Our goal is not to eliminate uncertainty, but to reduce its impact. With thoughtful planning and clear communication, clients are better prepared to navigate challenges with confidence.

Managing insurance independently can seem straightforward at first, but many clients later realize how easy it is to overlook important details. Those who choose personal and business consultant firms in Puerto Rico often do so after experiencing confusion, gaps in coverage, or uncertainty about whether their plans truly protect them.

At JLA, we help clients step back and look at the full picture. Personal insurance, like health, life, disability, hospitalization, and cancer coverage, must work alongside business insurance, such as property and commercial protection. When handled separately, these areas can conflict or leave gaps.

Our consulting approach brings structure and clarity. We help clients understand what they have, what they need, and what may no longer serve them. This reduces guesswork and improves long-term confidence.

Working with a consulting firm means having guidance that adapts as your life and business evolve, rather than making isolated decisions on your own.

Clients exploring business consultant financial services often worry that the process will be complicated or overwhelming. At JLA, we intentionally design our approach to feel clear, structured, and approachable.

We begin with conversation, not paperwork. We take time to understand your personal responsibilities, business operations, and goals. From there, we evaluate personal insurance needs such as health, life, disability, and hospitalization coverage, alongside business insurance like property and commercial protection.

Midway through the process, we help clients see how these areas connect and where adjustments may be needed. As part of our business consultant financial services, we focus on education, clarity, and alignment rather than quick decisions.

Clients leave the process with a clearer understanding of their protection and a plan that supports both their life and their business with confidence.