Insurance Planning | Retirement Planning | Estate Planning
Build a life that works now — and a legacy that lasts later.
Private guidance for business owners, and professionals who want clarity, confidence, and direction — not noise.
Start with a 30min No Pressure, No Obligation Private Legacy Session
This isn’t about products.
It's about direction.
Most people don’t fail financially because they’re irresponsible.
They fail because no one ever slowed things down enough to help them connect the dots.
✅They’re smart.
✅They work hard.
✅They care about their families.
But they’re unsure:
❓What questions actually matter
❓What order decisions should be made in
❓Whether they’re truly “on track” or just busy
That’s where I come in.
Who I work with
This is for people who:
🎯Are earning, but still feel behind or uncertain
🎯Want to make good decisions without being sold to
🎯Care about protecting their family and building something meaningful
🎯Value education, structure, and long-term thinking
🎯Want to be present — not consumed by work
If that sounds like you, we’ll get along just fine.
My role is simple:
Help you think clearly - then help you act confidently.
I’m a financial services professional by trade, but my real work happens before any tools, policies, or strategies are discussed.
I help people:
➡️Get unstuck
➡️Understand what actually matters
➡️See their full picture — not just isolated pieces
➡️Move forward with confidence instead of guesswork
I educate first. You stay in control.
Implementation only happens if and when it makes sense.
How the Legacy Process works
I don’t believe in overwhelming people.
I believe in order.
No hype.
No rushed decisions.
Just clear thinking and steady progress.
Clarity
Understand where you are, what matters, and what you’re trying to build.
Structure
Organize income, protection, growth, and responsibilities in the right order.
Protection & Leverage
Identify risks, gaps, and opportunities — without pressure or jargon.
Ongoing Guidance
Life changes. Your plan should evolve with it.
What happens next
If you’re interested, the next step is not a sales call.
It’s a private Legacy Session where we:
🎯Talk through your situation
🎯Identify gaps or blind spots
🎯Determine whether ongoing guidance makes sense
If it does, we move forward.
If it doesn’t, you’ll still leave clearer than when you arrived.
Some of our partners and carriers
About Pablo Troncoso
Pablo Troncoso is the President and Owner of 123MyLegacy, and a seasoned entrepreneur, mentor, and business leader with more than 19 years of experience.
He helps Americans confidently retire with their financial legacy intact, guiding families and professionals toward secure, purpose-driven futures.
Pablo’s passion for financial education began after uncovering the gaps, half-truths, and misconceptions commonly taught about building wealth and safeguarding retirement. Growing up with modest means, he always felt called to serve families—but a personal financial crisis deepened that calling.
After losing his lending business, real estate holdings, and retirement accounts in the 2008 market crash, Pablo experienced firsthand the devastation that poor financial guidance can create. The event became a turning point. Determined never to let others endure the same preventable loss, he committed himself to learning the truths of financial strategy—beyond traditional thinking—and to helping others do the same.
“I realized the responsibility was mine—to educate myself, become a force for good, and serve others with integrity. And I give all the glory to God.”
Today, Pablo empowers individuals and families with strategies that protect legacies, accelerate retirement timelines, and create financial confidence for generations.
10,000+
Happy Clients
49+
Carrier Partner
20+
Years Experience
200+
Team Members
What Clients Are Saying
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David W
“Pablo is a professional and personable guide through the world of life after work. I was overwhelmed at first, but he helped guide me through the ins and outs. Now, I feel more prepared for retirement.”
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Heather D.
“I have had the pleasure of working with Pablo Troncoso for several months now, and Ican confidently say that his expertise and guidance have been invaluable to myretirement planning journey.
From our very first consultation, Mr. Troncoso demonstrated an understanding of thecomplexities of retirement planning. We have had active conversations regarding mygoals and concerns, and he has offered personalized advice that was tailored to myunique financial situation. He has consistently provided clear and insightfulrecommendations that have helped me navigate important decisions regardinginvestments, savings strategies, and other options. These conversations have given meconfidence in my retirement plans. I have always felt supported and well-informedunder his guidance.
I would highly recommend Pablo Troncoso to anyone looking for a knowledgeable and trustworthy partner in their retirement planning journey.”
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Michelle G.
“I met Pablo Troncoso after receiving an email for pension reviews and the overthinking person I am, decided to make an appointment; since my district has never been clear about what that looks like for me. As I sat and listened to Pablo tell me how little my pension was I became very concerned and confused about life as a teacher. Upon the second meeting Pablo became a shining light and advocate for my family. He not only understood my concern but guided me to a safe place. I’m a single full-time mother who is solely responsible for two children. He explained what was working for me and against me. He guided me to financial freedom! He set me up so that the money I was contributing was going to benefit me in the long term. Bridging the gap between my pension. With his guidance he not only helped me but also my children who are also set up for financial gains! Pablo explained to me he was also raised by a single mother and that truly said a lot. He understood more than anyone I have spoken to previously in my career. I truly believe God knew who to send to help me and he did!”
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Thooya P.
“I am so grateful for the exceptional service provided by Pablo in setting up my life insurance policy. From our very first meeting, he demonstrated a deep understanding of my needs and concerns, patiently answering all my questions and explaining the various options available. His professionalism, expertise, and genuine care made the entire process seamless and stress-free. I highly recommend him to anyone seeking a knowledgeable and trustworthy agent.”
Schedule a free, no obligation, no pressure consultation!
