Sailboats in San Diego harbor with downtown skyline — Hafnia Insurance Services serves clients in San Diego and across California.
Independent Fixed Insurance Agency · San Diego, California

Retirement Strategies Built on
Protection From Market Losses

Specialized fixed insurance solutions designed to help you grow retirement assets, generate dependable income, and protect what you've worked for — with index-loss protection on the principal, subject to contract fees and surrender charges.

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Is This the Right Fit for You?

We Work With People Who Are Serious About Protecting What They've Built

We work with individuals and families who are:

  • Within 5–10 years of retirement and want protection from market losses in place before they stop working
  • Already retired and looking for dependable, predictable income
  • Concerned that another market downturn could derail their plans
  • Searching for tax-advantaged ways to build and pass on wealth
  • Ready for a strategy that prioritizes protection alongside growth
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Retirement protection illustration

One Focus: Your Protection.

Fixed Indexed Annuities (FIAs)

FIAs are designed for long-term retirement planning, offering interest-crediting potential and protection of your premium from index losses. Fees, surrender charges and rider costs can still reduce value. They are not intended for short-term financial needs or money you may need to access quickly, as surrender charges may apply during the early years of the contract.

Commonly used for:

  • Guaranteed lifetime income
  • Protected accumulation
  • RMD planning
  • Tax-deferred growth
Learn About FIAs →

Indexed Universal Life (IUL)

Permanent life insurance with cash value that can grow based on index performance, with a floor that protects against indexed losses.

Commonly used for:

  • Tax-advantaged accumulation
  • Supplemental retirement income
  • Legacy and estate planning
  • Family protection
Learn About IUL →
FIA floor diagram showing index-loss protection
A Focused Approach

Built Around Protection

We specialize exclusively in fixed insurance products. Every conversation centers on solutions with index-loss protection on the principal, indexed growth potential, and lifetime income options — subject to contract fees, surrender charges, and the carrier's claims-paying ability. We don't sell securities, mutual funds, or variable products.

This focus lets us go deep on the carriers, contracts, and strategies that matter most for retirement protection — and keep our recommendations aligned with one goal: helping you retire on your terms.

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Education Comes First

Before Any Product Conversation, You Deserve to Understand the Bigger Picture

Our resource library covers the topics that shape every retirement decision — so you can make informed choices and ask better questions.

Retirement Income Planning

Building a paycheck for retirement. Sequence-of-returns risk. The bucket strategy.

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Pension & Lump-Sum Decisions

Evaluating a pension buyout. Lump sum vs. monthly income. Tax implications and rollover options.

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Social Security

When to claim. Spousal and survivor benefits. The right strategy can be worth tens of thousands.

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Long-Term Care Planning

Probability of needing care, costs in California, and your funding options.

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Legacy & Wealth Transfer

Wills, trusts, beneficiary designations. Probate vs. non-probate transfers. The 10-year IRA rule.

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401(k) Rollovers

Direct vs. indirect rollovers. When an IRA rollover makes sense — and when it doesn't.

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Required Minimum Distributions

When RMDs start (age 73). How to calculate them. Strategies for managing the tax impact.

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Roth IRA

When converting makes sense. The 5-year rule. Why the years before age 73 are the sweet spot.

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Indexed Universal Life

Permanent life insurance with index-linked cash value growth and a floor that protects against indexed losses.

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Medicare

Parts A, B, C, D. Original vs. Advantage. Enrollment windows and late-enrollment penalties.

Learn more →

Educational content only. Not intended as tax, legal, accounting, or investment advice. Always consult a qualified professional regarding your specific situation.

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Licensed Agents Focused on Your Retirement

Meet the Team

Jan Gleisner, President of Hafnia Insurance Services
Jan Gleisner
President · Hafnia Insurance Services
🪪 Licensed in California and multiple other states

California-licensed insurance agent since 2002. Jan builds retirement income strategies with fixed insurance products and works most often with clients in the years just before and just after retirement.

Jonathan Garcia, VP Business Development at Hafnia Insurance Services
Jonathan Garcia
VP Business Development · Hafnia Insurance Services
🪪 Licensed in California and multiple other states

California-licensed insurance professional focused on guiding clients through the planning conversation — making sure each person understands what's being recommended and why it fits.

Meet the Full Team →
San Diego coastal railway — representing our grounded, established process
A Process Designed Around You

How We Work

1

Discovery Call

A 30-minute conversation about your goals, concerns, and current situation. No pitch.

2

Strategy Review

A side-by-side look at options that may fit your needs, in plain language.

3

Implementation

If a fit, we coordinate paperwork, carrier setup, and funding — seamlessly.

4

Ongoing Service

Annual reviews to keep your strategy aligned as life changes.

Schedule Your Discovery Call →
San Diego coastline at golden hour

Ready to Talk?

A 30-minute call to see whether a fixed insurance strategy fits your retirement plan. No cost. No pressure. No obligation.

Schedule a Call 📞 Call 858-345-9001

Mon–Fri 9am–5pm Pacific · Tue & Thu open until 7pm