Veteran Owned  ·  The Villages, FL  ·  Est. 2012

A Safe Harbor
in Every Storm.

"A Safe Harbor to protect against unforeseen events at unexpected times." — Jack J. Maiz, USMC Veteran

Free Consultation ☎ (352) 205-6911
Years of Service
43
Firm Established
2012
Current Top MYGA Rate (Issuer-Set)
6.30%
Cost to You
$0
⚓
Veteran-Owned Business
CMS Licensed & Compliant
Serving Veterans & Seniors with 43+ Years' Experience
The Villages, FL
Medicare • Annuities • Veterans Benefits
No Cost to You — Ever
Veteran-Owned Business
CMS Licensed & Compliant
Serving Veterans & Seniors with 43+ Years' Experience
The Villages, FL
Medicare • Annuities • Veterans Benefits
No Cost to You — Ever
Veteran-Owned Business
CMS Licensed & Compliant
Serving Veterans & Seniors with 43+ Years' Experience
The Villages, FL
Medicare • Annuities • Veterans Benefits
No Cost to You — Ever
Our Team

The People Behind Safe Harbor

Decades of service, expertise, and genuine care — every client relationship is personal.

Jack J. Maiz
Jack J. Maiz
Founder  ·  USMC Vietnam Veteran  ·  43 Years Experience

Jack began his career in financial services in 1983 after a distinguished career in law enforcement. A decorated Vietnam veteran who served as a United States Marine, he spent 43 years building a trusted client base across San Diego and Honolulu before founding Safe Harbor Financial in 2012. He resides in The Villages, FL with his wife of 60 years.

Vietnam Veteran — USMC 43 Years Experience Veteran-Owned The Villages, FL
Brian Maiz
Brian Maiz
Agent  ·  Care at 65  ·  San Diego Office

Jack's son Brian joins Safe Harbor from the firm's San Diego office, where he leads Care at 65 — guiding Medicare beneficiaries of every age through Advantage, Supplement, and Part D choices, plus annual plan reviews. Licensed in multiple states, Brian comes to insurance after 20 years in Business Development at Cisco Systems across North Carolina and California, and is a proud United States Marine Veteran. Married to Christina, with two grown children, he resides in Oceanside, CA, and enjoys fishing and travel.

www.careat65.com Toll-Free (888) 996-4534
Care at 65 — Medicare Readiness USMC Veteran San Diego Office Oceanside, CA
What We Offer

Comprehensive Planning for
Veterans & Seniors

From Medicare enrollment to retirement income — 43 years of experience protecting what matters most.

01
⚕
Medicare Advantage
All-in-one Part C plans comparing top carriers — many with $0 premiums, dental, vision, and drug coverage included.
02
🛡
Medicare Supplements
Medigap plans closing Original Medicare's cost gaps — see any Medicare-accepting doctor nationwide, predictably.
03
💊
Part D Drug Plans
Prescription coverage matched to your specific medications — formulary analysis across every available plan.
04
📈
Multi-Year Annuities
Tax-deferred growth at rates far exceeding CDs. Currently up to 6.30% guaranteed for 5 years from the issuing insurer — rates set by the carrier and subject to change.
05
🎖
Veterans Benefits
Specialized guidance for VA health care, Aid & Attendance, pension planning, and benefit coordination.
06
💰
IRA & 401(k) Rollovers
Seamless rollover strategies to consolidate accounts, reduce fees, and optimize tax-deferred growth.
07
🏠
Life Insurance for Living
Modern policies with living benefits — cash value and income protection while you're alive, not just a death benefit.
08
🏥
Long Term Care
Planning that protects your assets and preserves your legacy — so care costs don't undo a lifetime of savings.
Featured Product

Outperform the Bank.
Protect Your Principal.

6.30
%
Guaranteed for 5 Years  ·  Tax-Deferred  ·  Rates Subject to Change

Multi-Year Guaranteed Annuities — issued by A-rated life insurance carriers — deliver security and growth that CDs simply can't match, with the compounding power of tax-deferred interest. Rates are set by the issuing insurer and are subject to change. Contact Jack today to confirm current rates and assess suitability.

Get Current Rates →
📊
Rates Far Exceed CDs
Multi-Year Guaranteed Annuities consistently outperform bank CDs while keeping your principal fully protected from market risk.
🏦
Tax-Deferred Compounding
Interest accumulates without annual tax drag — you pay taxes only when you withdraw, letting your money grow faster.
🔒
Principal Guaranteed
Your deposit is guaranteed by the issuing insurance company. No market risk, no volatility — just predictable growth.
♻
1035 Tax-Free Exchanges
Move funds from an existing annuity or life policy without triggering taxes through a Section 1035 exchange.
🎖

Proudly Serving Those
Who Served

As a decorated Vietnam Veteran and United States Marine, Jack Maiz understands firsthand the unique challenges facing Veterans and their families. Safe Harbor is a Veteran-Owned Business dedicated to making sure you receive every benefit and protection you've earned.

Talk to a Fellow Veteran
Medicare Dates

Your Medicare Calendar

Missing the right window can mean permanent penalties or gaps in coverage. Know your dates — and call Jack when they approach.

🎂
Initial Enrollment Period (IEP)
7-month window centered on your 65th birthday
3 Months Before
Best time to enroll — coverage starts your birthday month
Birthday Month
Coverage starts the 1st of your birthday month
3 Months After
Coverage delayed 1–3 months. Late Part B penalties may apply
⚠️ Enrolling in months 4–7 delays your coverage and can trigger a permanent Part B late penalty. Call Jack 3–4 months before your 65th birthday.
Client Stories

Built on Trust.

★★★★★
Jack has been our financial advisor for over 15 years. His integrity, knowledge, and genuine care for our family's wellbeing is unlike anything we've experienced. He truly found us a safe harbor.
Robert & Carol M.
The Villages, FL
★★★★★
As a fellow Veteran, I trusted Jack to help me navigate both Medicare and my VA benefits. He made sure I wasn't leaving anything on the table and saved me thousands every year.
Sgt. Thomas H. (Ret.)
Vietnam Veteran · The Villages, FL
★★★★★
Jack moved my IRA into an annuity earning over 6% and found me a Medicare plan that costs nothing monthly. He explained everything in plain language and never rushed me. Outstanding.
Dorothy F.
Retiree · The Villages, FL
Let's Talk

Drop Anchor.
We're Here.

(352) 205-6911
Mon – Fri  ·  9am – 5pm  ·  Appointments Available
  • ⚓No cost — carriers and product companies pay us, never you
  • ⚓Zero obligation to proceed with anything we discuss
  • ⚓Needs Based Analysis — every recommendation fits your goals
  • ⚓Specializing in Veterans and Seniors — 43+ years of personal experience
  • ⚓The Villages, FL and surrounding communities

Request a Consultation
Jack will personally reach out within one business day.
By submitting you consent to be contacted by a licensed insurance agent. No obligation to enroll. Your information will not be sold or shared.
Common Questions

Answers You Need

Do I pay for Jack's services?
No. Insurance agents are compensated by carriers when you enroll. You receive expert, personalized guidance at no cost — your premium or rate is identical whether you work with Jack or go direct.
What makes Safe Harbor different?
Jack brings 43 years of real-world experience, a Needs Based Analysis approach, and a deep commitment to Veterans and Seniors. This is a personal, long-term relationship — not a call center.
Are Multi-Year Guaranteed Annuities safe?
Yes. MYGAs are issued and backed by the life insurance carrier — no market risk, no volatility. Principal is guaranteed and interest accumulates tax-deferred. Suitability is assessed individually. Rates are set by the issuing insurer; current top-of-market is around 6.30% for 5 years (subject to change).
Are annuities FDIC insured like Certificates of Deposit?
No. Annuities are not FDIC insured — but life and annuity companies doing business in Florida belong to the Florida Life and Health Insurance Guaranty Association (FLAHIGA), which protects consumers from insurer insolvency. FLAHIGA is a statutory entity created in 1979 when the Florida Legislature enacted the Florida Life and Health Insurance Guaranty Association Act. Most other states maintain similar guaranty associations with their own coverage limits.
What are the FLAHIGA coverage limits?
For Florida residents, the limits are: Life insurance — $100,000 net cash surrender value, $300,000 death benefit. Deferred annuity — $250,000 net cash surrender value per contract owner. Annuity in benefit — $300,000 per contract owner. Participating insurers pay FLAHIGA an annual assessment as part of the funding to protect consumers.
What Veterans benefits can Jack help with?
Jack helps Veterans navigate VA health care coordination, Aid & Attendance pension benefits, Survivor Benefit Plan options, and how VA benefits interact with Medicare. As a Vietnam Veteran himself, Jack has personal experience with the system.
Can I move my existing annuity or policy?
Often yes — through a Section 1035 Tax-Free Exchange you can transfer funds from an existing annuity or life insurance policy without triggering taxes. Jack will assess whether an exchange makes sense for your situation.
Do you serve clients outside The Villages?
Yes. While based in The Villages, FL, Jack serves clients across Florida and in multiple states. Contact us to confirm availability in your area.
43 Years of Experience,
Working for You.

One conversation with Jack can clarify your Medicare options, maximize your Veterans benefits, and protect your retirement savings.

(352) 205-6911
Schedule Free Consultation Call Jack Directly
M
Maya
Safe Harbor Assistant
Hello — I'm Maya, Safe Harbor's virtual assistant. 👋

I can answer questions about Medicare, annuities, Veterans benefits, IRA rollovers, and more. How can I help?
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