Origin Capital provides expert retirement planning, life insurance, and financial guidance — helping individuals, families, and businesses across California build lasting security.
Origin Capital was founded with one goal: to help everyday people navigate the complexities of retirement planning, life insurance, and financial security with confidence and clarity. Based in Oxnard, California, we serve individuals, families, and businesses across the region.
We believe financial security shouldn't be reserved for the wealthy. Our team brings expert guidance, personalized service, and genuine integrity to every client relationship — from first consultation to retirement and beyond.
Protect what matters most. We offer a range of life insurance options — tailored to provide financial security and peace of mind for you and your loved ones at every stage of life.
Straightforward, affordable protection for a defined period — 10, 20, or 30 years. The most accessible way to ensure your family is covered during your highest-risk years.
Permanent coverage for your entire lifetime with guaranteed premiums that never increase and a cash value component that grows steadily over time.
The most powerful and flexible permanent life insurance product — linking your cash value growth to a market index while protecting you from losses with a floor.
Plan ahead for life's unexpected turns. Long-term care insurance ensures you or your loved ones have financial support for quality care at home, in assisted living, or in nursing facilities.
We'll walk you through every option at no cost. Our licensed advisors help you find the coverage that fits your budget, goals, and family situation.
Schedule a Free ConsultationYour retirement dreams are within reach. We provide expert guidance across every major retirement account and planning vehicle — helping you create a solid financial foundation for the future you deserve.
Don't leave your money behind when you change jobs.
Seamlessly transition your 401(k) into an IRA or new employer plan. We guide you through every step to protect your savings, avoid unnecessary taxes, and preserve your retirement momentum.
Tax-deferred growth with immediate deductions.
A Traditional IRA allows you to contribute pre-tax dollars, reducing your taxable income today while your investments grow tax-deferred until retirement withdrawals begin.
Tax-free income in retirement — the ultimate long-term play.
With a Roth IRA, you contribute after-tax dollars today in exchange for completely tax-free growth and withdrawals in retirement. A powerful tool for younger earners and those expecting higher future income.
The self-employed retirement powerhouse.
A Simplified Employee Pension IRA is designed for self-employed individuals and small business owners, offering much higher contribution limits than standard IRAs.
Retirement benefits for small businesses and their teams.
A Savings Incentive Match Plan for Employees (SIMPLE IRA) is ideal for small businesses wanting to offer employee retirement benefits without the complexity of a 401(k).
Guaranteed income you can't outlive.
Annuities provide a reliable stream of income in retirement — perfect for those who want the security of knowing a check will arrive every month, regardless of market conditions.
Start planning today — secure your path to a comfortable retirement with confidence. Our advisors are ready to help you find the right strategy for your timeline and goals.
Start Planning TodayThe most powerful tool in modern financial planning. IUL combines permanent life insurance protection with market-linked growth — giving you upside potential without the risk of market losses.
Get an IUL IllustrationYour cash value is tied to a market index (like the S&P 500). When the market goes up, you capture gains up to a cap. When it goes down, you're protected by a 0% floor — you simply don't lose.
Withdrawals and loans from the cash value of an IUL policy are generally income-tax-free, making it one of the few vehicles that can supplement retirement income without adding to your tax burden.
Many IUL policies include accelerated death benefit riders — allowing you to access a portion of the death benefit while still alive if you're diagnosed with a critical, chronic, or terminal illness.
Unlike whole life, IUL policies offer flexible premium payments and adjustable death benefits — so your policy can adapt as your income, family, and financial goals evolve over time.
A portion covers the cost of insurance (death benefit). The rest goes into your policy's cash value account.
Your cash value is credited based on the performance of a chosen index, subject to a cap (max gain) and a floor (0% minimum).
Over time, your cash value accumulates tax-deferred — growing through index credits and compounding interest within the policy.
In retirement, you take tax-free loans or withdrawals from your cash value — supplementing Social Security or other retirement income.
Maxing out your 401(k) and Roth IRA? An IUL offers an additional tax-advantaged bucket with no IRS contribution limits.
IUL can serve as a tax-efficient supplemental retirement plan, executive benefit strategy, or key person protection vehicle for your business.
IUL adds a tax-free, market-protected income stream that complements Social Security, 401(k) distributions, and other retirement assets.
Protect your business the same way you protect your family. Life insurance plays a critical role in business continuity, ownership transitions, and key talent retention — and most business owners are underinsured.
What happens to your business if you lose a key employee?
Key Person Insurance is a life insurance policy taken out by a business on a critical employee whose loss would significantly impact the company's operations, revenue, or relationships. The business pays the premiums and is the beneficiary.
A legally binding plan for when a business partner exits.
A Buy-Sell Agreement (funded by life insurance) ensures a smooth ownership transition when a business partner dies, becomes disabled, or decides to exit. It protects both the surviving owners and the departing owner's family.
Ensure your business survives any disruption.
Business Continuation Planning goes beyond buy-sell — it's a comprehensive strategy that ensures your business can continue operating through the death, disability, or departure of an owner or critical employee.
Attract, reward, and retain your top talent.
Executive Benefit Plans use life insurance as a tool to provide top employees with supplemental retirement income and death benefits beyond what a standard 401(k) offers — creating powerful incentives to stay and grow with your company.
Most business owners have personal life insurance but no business coverage. Let's review your exposure and build a plan that protects everything you've built.
No two clients are the same. We craft plans specific to your income, timeline, family needs, and risk tolerance.
Our team holds the licenses and credentials to advise on insurance, retirement accounts, and business planning.
Based in Oxnard, proud to serve our community face-to-face with care and integrity you can count on.
Our relationship doesn't end at signing. We review and adjust your plan as life changes and markets shift.
Dedicated professionals committed to your financial future — driven by integrity, expertise, and a passion for service.
With a diverse professional journey spanning insurance, business, and community service, Martin is committed to serving people with integrity and dedication.
As a graduate of Cal State Channel Islands, his early career was shaped by extensive experience in the wine industry, where he honed his skills in sales, management, and business operations — giving him a deep understanding of relationship building and strategic growth.
Currently serving as an insurance broker, Martin leverages his expertise to provide personalized solutions that meet clients' unique needs. He also proudly serves as Vice Chair of the Board for the County Schools Federal Credit Union, advancing financial literacy and empowering local communities.
At the heart of his work is a simple philosophy: treat people right.
With over 30 years of experience as a registered dental assistant in the orthodontic field, Maria has built a career rooted in care, precision, and helping others feel their best.
Her passion for service has always extended beyond her profession, with a deep commitment to giving back to the community and championing nonprofit organizations.
Since 2020, Maria has been proud to serve as a life insurance broker, combining her dedication to people with the opportunity to help them secure their financial futures. This new chapter has allowed her to continue making a meaningful difference in the lives of individuals and families.
Driven by a love for helping others and creating meaningful connections, Maria strives to leave a lasting positive impact both professionally and personally.
As a marketing director and insurance broker with a dynamic background in paralegal work and retail management, Mayra brings a unique blend of strategic insight and hands-on experience to every role she takes on.
Her journey from Michoacán, Mexico, to building a thriving career in the United States fuels her passion for leadership and empowerment. She is dedicated to helping expand Origin Capital's reach and impact while inspiring individuals to take the leap into entrepreneurship.
Leading by example is at the core of everything she does — whether motivating the team, supporting clients, or being a role model for her family. Her mission: empower others to dream big and achieve their goals with confidence and determination.
Are you ready to embrace a life of significance? We're expanding and looking for passionate individuals to join our movement. This is your chance to make a difference while building a fulfilling career in financial services.
Impact lives and create lasting change every day.
Grow personally and professionally. Uncapped income.
Join a team that genuinely values your success.
Complete onboarding and licensing support from day one.
Use these tools to estimate how much life insurance coverage or retirement savings you may need. Results are estimates — schedule a free consultation for a personalized plan.
Estimate how much life insurance coverage your family would need to maintain their lifestyle if something happened to you.
Estimate the total nest egg you'll need saved by retirement to sustain your desired lifestyle — and how much to save each month to get there.
These calculators provide general estimates for educational purposes only and do not constitute financial advice. Assumes 6% average annual return. Consult a licensed advisor for a personalized analysis.
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