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HOME – Life Insurance2024-08-09T19:19:46+00:00

Protect Assets and Provide Income

Optimize Retirement
Savings

Secure Tax-Free Retirement Income

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of Education

Boston Retirement Planning

Jason Black Consulting

Life insurance has become one of the most effective strategies for helping individuals and families not only protect their assets and provide for their loved ones, but also to tax-efficiently fund key aspects of their financial lives.

Jason Black Consulting is an independent financial services firm, specializing in helping individuals and families in Boston/the greater Boston area, utilize life insurance to provide a death benefit for loved ones, shield assets from probate and unnecessary taxation, optimize retirement savings, and secure tax-free retirement income in support of a holistic financial plan.

Retire with confidence

Our Planning Process

Our three-step planning process works to help identify and implement suitable financial strategies for helping our clients meet their needs and achieve their goals and objectives for retirement.

01

Start Smart

02

Apply Discipline

03

Communicate Progress

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 Team

Ross Santos

Co-Founder

April Drew

Wealth Management

Steve Markes

Financial Advisor

Rita Nelson

Office Manager

RR

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

Educational Events

Events in May 2025

  • There are no events scheduled during these dates.

Client Events

Events in May 2025

  • There are no events scheduled during these dates.

Our Downloads

Tax Free Retirement

Tax-Free Retirement will: show you how to avoid 9 common financial landmines; teach you how to generate tax free retirement income; explain how to multiply your IRA two or three-fold for future generations; help you leave a lasting legacy beyond your wildest imagination.

The Ultimate 401(k) Guide

We all know that a 401(k) is one of the most important retirement planning tools we have. You pay into it for decades and will likely need to rely on it, among other income sources, for decades in retirement. The potential tax benefits and power of compound interest can make it a great saving and investment tool for anyone who practices financial discipline and contributes regularly.

Financial Calculators

CalcXML 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.

Financial Literacy Videos

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    Contact Us

    2200 Moonlight Trce
    Spicewood, TX 78669

    512-898-9522

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    Ivy Leforbes

    Director of Operations

    Ivy is an experienced Director of Operations and manages the team at BTA Advisory Group. She has lived in Orange County since 2002 with her 3 beautiful children Xala, Zionjacob and Zoeilove and she loves to travel and explore new food places with family and friends.

    Primary Responsibilities

    As the Director of Operations, she oversees the day-to-day operations and makes sure that our customer satisfaction is a top priority. While training and supporting a high performing team in the financial wealth industry, she also supports the executive staff. In addition to her primary job functions, she has helped develop the rapidly growing business that Guy Baker and Jonathon Soucier have created.

    Experience and Expertise

    Ivy received her degree in Business Management with an emphasis in Organizational Leadership. She has had experience working for many big companies such as AT&T, Marriott, and BMW. Her skill set is very diverse making her a great asset to the company. Ivy looks forward to helping grow and develop the company that Guy Baker and Jonathon Soucier are continuing to cultivate.

    Education

    Bachelor’s in business management with an emphasis in Organizational Leadership

    National University, San Diego, CA Associates Degree in Child Development Cuyamaca/Grossmont College, San Diego, CA

    Kennedy Lorraine Roe

    Administrator

    Kennedy is an integral part of the WTA onboarding and service team for new and existing clients. She is charged with tracking client files and responding to client requests. She reports to Todd Baker, the Chief Operations Officer, and is responsible for client satisfaction, answering questions and responding to specific requests. Kennedy began working as a volunteer for the Boys and Girls club while in high school. Demonstrating outstanding leadership, she was offered a paid position while still attending high school. Kennedy married soon after graduating high school, but continued her desire to make a difference by obtaining her cosmetology degree, an arduous three year program. During this time, she took time off to start her family, but continued her education. She soon learned the inner workings of a salon and quickly decided this was not the best career path for her to pursue. In 2018, she was offered a position with Wealth Teams. Her early years were spent focused on organizing client’s secure folders in compliance with SEC guidelines, and updating all of the compliance documents to conform to changing regulations. Her dedication and attention to details allowed her to advance and take on new responsibilities. She is now an important part of the WTA onboarding team and works closely with advisors and clients to make certain their accounts are accurate and are invested according to their investment policy statement. Kennedy and her husband Collen live in Athens, Tennessee and have 4 children.

    Todd Baker

    Chief Operations Officer

    After High School, Todd finished a degree in graphic design before moving to Knoxville, TN in 2001. He soon started working for a large sign company by working in their graphic design department. The company soon recognized his leadership skills and ability to manage complexity. He was promoted to shop manager where he oversaw all phases of construction and installation. Due to family circumstances, the owner was forced to close operations. Todd was offered the opportunity to purchase a couple of ongoing projects for several large accounts which he then parlayed into his own sign company. Todd then grew this company and expanded the client base until the financial crash in 2008 dramatically impacted funding for existing projects. As a result, he was forced to close the business and seek employment with another sign company. Again, within a short period, he was promoted to floor manager, overseeing the design and construction of signs. After several years with this new company Todd realized he had reached the ceiling for growth and opportunity. He decided to change his career path. In 2018, Todd joined WTA as project manager, handling onboarding and client service. He restructured the database to conform with SEC guidelines. He also rewrote the multitude of forms required to conform to the regulator rules. He has since been promoted to Chief Operations Officer, investment management, focusing on client care and reviewing the daily supervision of client accounts, including distributions, onboarding and administration. Todd now lives in Athens, Tennessee. He has six children and eight grandchildren.

    The Ultimate 401(k) Guide

    For a complimentary copy of complete the form below.





      We are waiting to help you retire in confidence.

      For general questions or comments complete the form below.

      Contact Information:

      2200 Moonlight Trce, Spicewood, TX 78669 Phone: 512-898-9522





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                        Gary Million

                        Chief Compliance Officer, Corporate Counsel, Project Manager Wealth Coach

                        Gary Million is an estate planning attorney who helps clients transfer ownership, management, and control of their assets to heirs at the right time and in the most prudent way. His process minimizes taxes and probate expenses.

                        Since earning his law degree in 1994, Gary has developed a broad understanding of issues that arise when implementing estate plans. He is experienced with corporate formations, executive benefit programs, and other issues related to integrating estate and business planning and the transfer of business interests.

                        Gary has acquired significant experience with zero-tax planning techniques by developing numerous charitable giving programs for clients. He can draft a wide array of charitable trusts to help clients enhance gifts to family and generate a secure retirement income while redirecting tax money to favorite charities.

                        Gary supplements estate plans with income-tax and risk-management strategies, many of which involve advanced life insurance design. Drawing on broad experience gained from coordinating case implementation for one of the top insurance agents in the world, he understands how to integrate insurance and legal design techniques.

                        Guy Baker

                        Founder, MSM, CFP, CLU and ChFC (& Jason’s mentor)

                        Guy is a life insurance and wealth consultant with over fifty years of experience. As a frequent writer and speaker, he has addressed advisors in more than thirty countries, appeared on numerous talk shows and tele-video conferences, and spoken several times from the Main Platform of the Million Dollar Round Table (MDRT). He has lectured at various estate planning council meetings, spoken at several CLU institutes, and was featured at six CLU conferences.

                        His most recent book, The Great Wealth Erosion, details the four factors investors need to manage to improve their portfolio performance. Other books written by Guy include Manage Markets, Not Stocks and Investment Alchemy, which are both guides to understanding Modern Portfolio Theory. He also wrote Market Tune-Up, Why People Buy, Baker’s Dozen – 13 Principles for Financial Success, and Maximize the RedZone, a guide for business owners. His bestselling booklet is The Box, an easily understood guide to the mathematics of life insurance.

                        Susan Casey

                        Administrator / Chief Birddog

                        Susan met Jason in 2015, when Susan and her husband Steve were hosting a Lifegroup for their church.  Jason and Tausha walked in and the two families have been ‘doing life’ together ever since.  Susan and Steve have been married for 24 years and have two sons, Stephen and Sean.  Stephen graduates from High Point University and will enter the US Army Cyber Command in May 2025.  Sean is a freshman, also at High Point University, and is a talented artist, who has had his own online business since 8th grade.
                        Susan and Steve became clients of Jason’s in 2020.  Jason reviewed their finances, made several recommendations, and within a year his suggestions significantly improved their families financial foundation.  So Susan was a client of Jason’s before she began working with him and helping him build his business.
                        Susan ran her own Business Etiquette firm before starting her family.  More recently, she has led numerous ministry initiatives at her church, for The Refuge Ranch, and for The Coming King Sculpture Prayer Garden, where she served on the Board and as a Tour Guide/Chaplain from 2016-2024.
                        Education:
                        Masters in Organizational Development, Johns Hopkins University
                        Bachelors in Rehabilitation Counseling,  Stephen F. Austin State University

                        Jason Black

                        President, Founder, & Man of Action

                        The eldest of 8 children and son to a pastor, Jason learned the value of money early on when as a 10-year-old Jason watched his family fight through a bankruptcy. That instilled in him the drive to learn how to steward, grow and protect finances for families and the businesses they run. At 11 years old, Jason created a portfolio for himself that soon began to produce and make him money! Three decades later, Jason’s focus on integrity and fresh comprehensive solutions continues to bring more value to his clients.

                        Over Jason’s career, he has been honored to speak on 5 continents, coaching Fortune 100 companies to breakthroughs.

                        Jason is a partner with Wealth Teams Alliance, and collaborates with elite industry leaders to bring solutions and access to institutional investments, not available to general investors. He uses strategies of wealth creation and preservation to tailor comprehensive plans for each client, both personal and for their businesses.

                        Jason coaches using:

                        • a scientific process built on 6 Nobel Prizes to potentially lower risk and maximizing returns,
                        • techniques for paying less taxes,
                        • educating pastors on how to maximize their housing allowance, and
                        • ensuring his clients don’t ‘outlive their money’ in retirement

                        Jason’s approach helps ensure that his clients are educated and prepared, greatly reducing the stress and anxiety that many Americans have regarding their financial wellbeing.

                        Jason has been married to his beautiful bride, Tausha, since 2000 and they call Texas home. They are blessed with seven children and on the weekends, they can be found watching their children’s activities, making music, attending live theatre, playing games and racing his Porsche.

                        Discover the little-known strategy for realizing tax-free income in retirement.

                        To receive a complimentary copy of Tax-Free Retirement, complete the form below.








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