Independent financial planning practice founded in 2009, JPS Financial Services Inc. in Point Loma builds customized retirement-income, estate-legacy, and risk-management plans from its Rosecrans Street office near Sunset Cliffs. Tax-mitigation strategies pair Roth conversion ladders with capital-gains harvesting schedules, a tax-aware investment approach that aligns with the portfolio philosophy at Sunset Cliffs Capital. Small-business financial consulting addresses owner-retirement funding through SEP-IRA, Solo 401(k), and defined-benefit plan design, mapping contribution limits against cash-flow projections. Goal-based planning models project income-replacement ratios across multiple scenarios, integrating Social Security optimization and long-term-care cost assumptions alongside the commercial-coverage analysis at Hartley Co. Multi-generational estate plans coordinating irrevocable trusts, charitable-remainder vehicles, and business-succession buyouts represent the practice's most involved advisory engagements.