Helping Southern California Families Since 1986

Voted Best of Encinitas — 2021 & 2022*

Independent & Unbiased Insurance Professional

No-Cost Appointments

Del Mar residents expect the best — in the communities they live in, the experiences they enjoy, and the professionals they trust with important decisions. Jim Lee Financial brings that same standard to retirement income planning, and our Encinitas office is just 10 minutes up the coast.


Since 1986, Jim Lee has been helping higher-net-worth individuals and families in Del Mar and throughout North County San Diego work toward retirement income strategies built on clarity, independence, and personal attention. No cookie-cutter approaches, no conflicts of interest — just a customized strategy designed around your goals.


If you're ready for a retirement income strategy that's as thoughtful as the life you've built, we'd love to have the conversation.

Schedule a No-Cost Appointment — Just 10 minutes from Del Mar. Call (760) 436-1711

Why Del Mar Residents Choose Jim Lee Financial

Del Mar is known for its coastal setting, the Del Mar racetrack and fairgrounds, and one of the highest concentrations of affluent residents in San Diego County. With that often comes more complex situations: multiple income sources, significant assets, primary and secondary property considerations, and legacy planning needs that may benefit from an experienced retirement professional.



Jim Lee Financial serves Del Mar residents who want retirement income guidance from an independent insurance professional — someone who isn't selling a product but building a relationship. Our office is a quick drive north on the coast, and many Del Mar clients appreciate the convenience and the personal touch that comes with working with a local firm.

Wealth Preservation Conversations for Del Mar Families

Del Mar households often arrive at retirement with primary residences, secondary homes, real estate income, and concentrated equity positions to think through. Since 1986, Jim Lee has helped Southern California families approach these moments through a wealth preservation lens: coordinating income across sources, considering the role of insurance and annuity products in protecting principal, and thinking carefully about how assets pass to the next generation. As an independent insurance professional, Jim coordinates with each client's existing estate attorney and CPA — and because the practice has stayed small and relationship-driven, Del Mar clients tend to know exactly who they're calling.

What Clients Are Saying

Frequently Asked Questions — Del Mar

  • What should Del Mar residents look for in a retirement professional?

    Independence, experience, and a relationship-first approach. Jim Lee is an independent insurance professional who has served Del Mar and surrounding communities since 1986, with personalized retirement income planning at the center of the practice.

  • Can you help with retirement income planning for higher-net-worth individuals in Del Mar?

    Yes. We help create retirement income strategies designed to coordinate multiple income streams — pensions, Social Security, retirement accounts, and insurance — to work toward more dependable, tax-aware income throughout retirement.

  • How do you approach wealth preservation conversations for Del Mar residents?

    Our retirement income planning approach for higher-net-worth Del Mar households focuses on coordinating multiple income streams, evaluating tax exposure, and considering how insurance and annuity products may help protect principal. We coordinate with each client's CPA and estate attorney to keep the broader picture aligned.

  • How far is Jim Lee Financial from Del Mar?

    Our office at 937 S. Coast Highway 101 in Encinitas is approximately 10 minutes from Del Mar. We welcome you to visit for a no-cost appointment.