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Tax Free Retirement Specialists

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Tax Free Retirement in Orange County

What Tax Free Retirement Specialists does

Tax Free Retirement Specialists is a financial services business founded by John L. Hradesky, a licensed financial insurance professional. The firm helps individuals and businesses plan for retirement and reduce tax liabilities. Its listed services include converting 401(k) and IRA accounts into tax-free options, guaranteed lifetime income through annuity and insurance-based solutions, life settlements, overfunded life insurance policies and cost segregation studies for commercial or investment real estate. The website offers a free retirement strategy analysis.

Summarised from the business's own website, checked October 2026. Not written or endorsed by the business.

About

Financial Insurance Professional San Diego

Choosing an insurance provider or broker

The cheapest policy is often the one that pays least. Compare what is excluded, not just the premium.

What to check

  • Authorised by the insurance regulator
  • Exclusions and excess on each policy
  • How claims are made and how long they take
  • Whether a broker is paid by commission

Questions to ask

  • What is not covered?
  • How do I make a claim, and who handles it?
  • Will my premium rise after a claim?

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