Zachary Waldon
33302 Valle Rd Ste 200
San Juan Capistrano, CA 92675, US
Affiliations
Professional Details
Zachary Waldon is a Registered Social Security Analyst® (RSSA), licensed insurance agent, and financial advisor with a deep commitment to helping clients prepare for and enjoy a confident retirement. He holds Series 7, 65, and 63 licenses, is a licensed loan officer specializing in reverse mortgages, and earned both his Certificate in Financial Planning and his B.S. in Business Administration with a concentration in Finance from Northern Arizona University.
Zachary specializes in working with pre-retirees within 5–10 years of retirement, retirees, and small business owners. His holistic approach focuses on maximizing retirement income while reducing risk and leveraging tax-advantaged, non-taxable income strategies. By integrating tools such as Social Security optimization and reverse mortgage planning, Zachary helps clients create retirement strategies that provide both security and flexibility.
With years of experience in financial services, Zachary is known for his client-first philosophy and his dedication to providing clear, personalized guidance. Outside of his professional life, he enjoys golfing, spending time outdoors, and being with his family.
Areas of Expertise
- Financial Professional
- Insurance Agent
- Private Client Advisor
- Retirement Specialist
- Other
Real Stories from Real People
Most People Leave Money on the Table
96% Don't Optimize
Very few people get all the Social Security they’re entitled to.
$111,000 Average Lost
The average household is losing $111,000 in potential income.
1 Chance To Claim
Social Security gives you one chance to get it right – forever.
Maximize Your Benefits
Discover important information for your situation.
Married
If you are married, you may be able to collect up to one-half of your spouse’s Social Security benefit. This won’t affect your spouse’s checks. Ask an RSSA® for details.
Divorced
If you are divorced and 62 or older, you may qualify to receive Social Security benefits from your ex-spouse — in addition to your own Social Security payments. Ask an RSSA® for details.
Widowed
If your spouse has passed away, you may be eligible for a survivor benefit. The extra money may be essential for you. Ask an RSSA® for details.
Single
If you are single, and solely responsible for your retirement, making the optimal Social Security claiming decision is particularly important. Ask an RSSA® about your options.
Self-Employed
As a self-employed person, you may be able to decrease your payroll taxes — yet still receive the maximum income from Social Security. Ask an RSSA® for details.
Disability
Social Security can provide valuable disability benefits if you qualify, but these benefits — and how you qualify for them — are often misunderstood. Ask an RSSA® for details.
Immigrant
If you are a lawful permanent resident, but not yet a citizen, you may still qualify for Social Security benefits. Ask an RSSA® for details.
