About Life Insurance Retirement IUL Business Team Careers Contact
Retirement & Financial Services · Oxnard, CA

Secure Your
Financial
Future

Origin Capital provides expert retirement planning, life insurance, and financial guidance — helping individuals, families, and businesses across California build lasting security.

Term Life Insurance Indexed Universal Life 401(k) Rollovers Roth IRA Key Person Insurance Buy-Sell Agreements Long Term Care Term Life Insurance Indexed Universal Life 401(k) Rollovers Roth IRA Key Person Insurance Buy-Sell Agreements Long Term Care
10+
Years of Expert
Financial Guidance
500+
Clients Served
Across California
4
Core Product
Specialty Areas
100%
Dedicated to Your
Financial Future
ORIGIN
Capital
"Building financial security,
one family at a time."
Who We Are
Built on Trust,
Driven by Purpose

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.

Client-first approach to every decision
Transparent, honest guidance
Deep expertise across life insurance and retirement
Licensed professionals rooted in community service
Protection Products
Life Insurance

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.

01

Term Life Insurance

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.

  • Affordable premiums — maximum coverage at minimum cost
  • Flexible terms — 10, 15, 20, or 30-year options
  • Income replacement for your family if the unexpected happens
  • Convertible to permanent life insurance later
  • Ideal for young families, mortgages, income protection
02

Whole Life Insurance

Permanent coverage for your entire lifetime with guaranteed premiums that never increase and a cash value component that grows steadily over time.

  • Lifetime coverage — never expires as long as premiums are paid
  • Cash value growth — tax-deferred savings you can borrow against
  • Guaranteed death benefit for your beneficiaries
  • Fixed premiums that never increase with age
  • Ideal for estate planning, final expenses, legacy building
03

Indexed Universal Life (IUL)

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.

  • Market-linked growth tied to S&P 500 or other indices
  • 0% floor — you never lose cash value due to market dips
  • Tax-free income potential in retirement
  • Living benefits for critical, chronic, or terminal illness
  • Ideal for high earners, retirement supplement, business owners
04

Long Term Care Insurance

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.

  • Comprehensive coverage tailored to your care needs
  • Preserve your savings and assets from being depleted by care costs
  • Care for yourself and your family with full confidence
  • In-home care, assisted living, and nursing facility coverage
Start Today
Not sure which
policy is right for you?

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 Consultation
Retirement Planning
Retirement Services

Your 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.

Account Type 01

401(k) Rollovers

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.

  • Avoid costly early withdrawal penalties
  • Consolidate multiple old 401(k) accounts into one
  • Expand your investment options beyond your employer plan
  • Keep your money working — no gaps in growth
Account Type 02

Traditional IRA

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-deductible contributions (income limits may apply)
  • Tax-deferred growth — no taxes until withdrawal
  • Wide range of investment options
  • Required Minimum Distributions beginning at age 73
Account Type 03

Roth IRA

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.

  • Tax-free growth and tax-free qualified withdrawals
  • No Required Minimum Distributions during your lifetime
  • Contributions can be withdrawn anytime penalty-free
  • Ideal for younger earners building long-term wealth
Account Type 04

SEP IRA

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.

  • Contribute up to 25% of compensation (up to IRS limits)
  • Simple to set up and administer
  • Tax-deductible contributions reduce business taxes
  • Flexible — contribute only in profitable years
Account Type 05

SIMPLE IRA

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).

  • Lower administrative costs than a traditional 401(k)
  • Employee contributions with employer match requirement
  • Salary deferral contributions up to IRS annual limits
  • Available to businesses with 100 or fewer employees
Account Type 06

Annuities

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.

  • Guaranteed income for life or a set period
  • Fixed, variable, and indexed annuity options
  • Tax-deferred growth during the accumulation phase
  • Eliminates the risk of outliving your savings

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 Today
Advanced Planning
Indexed Universal Life
Professional (IUL)

The 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 Illustration
Indexed Universal Life
Grow.
Protect.
Retire Free.
0%
Loss Floor
Tax-Free
Income Potential
Flexibility
Feature 01
Market-Linked Growth

Your 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.

Feature 02
Tax-Free Income

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.

Feature 03
Living Benefits

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.

Feature 04
Flexible Premiums

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.

How an IUL Works
01
Pay Your Premium

A portion covers the cost of insurance (death benefit). The rest goes into your policy's cash value account.

02
Cash Value Is Indexed

Your cash value is credited based on the performance of a chosen index, subject to a cap (max gain) and a floor (0% minimum).

03
Cash Value Grows

Over time, your cash value accumulates tax-deferred — growing through index credits and compounding interest within the policy.

04
Access Tax-Free Income

In retirement, you take tax-free loans or withdrawals from your cash value — supplementing Social Security or other retirement income.

Ideal For
High-Income Earners

Maxing out your 401(k) and Roth IRA? An IUL offers an additional tax-advantaged bucket with no IRS contribution limits.

Ideal For
Business Owners

IUL can serve as a tax-efficient supplemental retirement plan, executive benefit strategy, or key person protection vehicle for your business.

Ideal For
Retirement Diversification

IUL adds a tax-free, market-protected income stream that complements Social Security, 401(k) distributions, and other retirement assets.

Business Planning
Business Life
Insurance Plans

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.

Business Solution 01

Key Person Insurance

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.

  • Covers revenue loss during the transition period after losing a key employee
  • Funds recruitment costs to find, hire, and train a qualified replacement
  • Reassures investors and lenders that the business can survive leadership loss
  • Can cover owners, founders, top salespeople, or technical experts
  • Death benefit paid to the business, tax-free, to cover losses
Business Solution 02

Buy-Sell Agreements

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.

  • Cross-purchase or entity redemption structures available
  • Guarantees a fair buyout at a pre-agreed valuation
  • Protects surviving partners from being in business with a deceased owner's heirs
  • Provides the deceased's family with fair cash value for their share
  • Life insurance funding ensures money is available exactly when needed
Business Solution 03

Business Continuation Planning

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.

  • Succession plan — who takes over and under what terms
  • Disability coverage to fund operations if an owner can't work
  • Life insurance funding tied to a documented business transition plan
  • Protects employees, clients, and stakeholders through any disruption
  • Works in conjunction with your attorney and CPA
Business Solution 04

Executive Benefit Plans

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.

  • SERP (Supplemental Executive Retirement Plan) — tax-advantaged deferred compensation
  • Split-dollar arrangements where employer and employee share policy costs
  • Golden handcuffs — vesting schedules that reward long-term loyalty
  • Tax-efficient benefit delivery for highly compensated employees
  • Designed alongside your HR and legal team for compliance
For Business Owners
Is your business properly protected?

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.

Request a Business Review
Why Choose Us
Expert Guidance
You Can Rely On
01

Personalized Strategy

No two clients are the same. We craft plans specific to your income, timeline, family needs, and risk tolerance.

02

Licensed Professionals

Our team holds the licenses and credentials to advise on insurance, retirement accounts, and business planning.

03

Community Rooted

Based in Oxnard, proud to serve our community face-to-face with care and integrity you can count on.

04

Ongoing Support

Our relationship doesn't end at signing. We review and adjust your plan as life changes and markets shift.

Our Mission
Secure Every Future
Making financial planning accessible to all.
Client Focus
100% Dedicated
Every plan tailored. Every client prioritized.
Experience
10+ Years
Proven expertise in insurance and financial services.
Our People
Meet the Team

Dedicated professionals committed to your financial future — driven by integrity, expertise, and a passion for service.

Martin Cortez
Martin Cortez
Marketing Director  |  Insurance Broker  |  Community Leader

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.

Get in Touch LinkedIn Profile
Maria Cortez
Life Insurance Broker  |  Community Advocate  |  Dedicated to Service

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.

Get in Touch LinkedIn Profile
Maria Cortez
Mayra Mateo
Mayra Mateo
Marketing Director  |  Insurance Broker  |  Advocate for Empowerment

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.

Get in Touch LinkedIn Profile
Careers
We Are Expanding
Our Team

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.

Purpose-Driven Work

Impact lives and create lasting change every day.

Limitless Potential

Grow personally and professionally. Uncapped income.

Be Part of a Movement

Join a team that genuinely values your success.

Full Training

Complete onboarding and licensing support from day one.

Apply Now
Take the first step toward a rewarding career in financial services.

Planning Tools
Financial Needs Calculators

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.

Coverage Estimator
Life Insurance
Needs Calculator

Estimate how much life insurance coverage your family would need to maintain their lifestyle if something happened to you.

$15,000 for burial & final expenses is automatically included in your estimate.
Estimated Coverage Needed
$15,000
Enter your details above to get your personalized estimate.
Get a Custom Quote
Retirement Roadmap
Retirement Savings
Needs Calculator

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.

Total Nest Egg Needed
$0
Monthly Savings Needed
$0
Enter your details above to calculate.
Build My Retirement Plan

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.

Financial Insights
Stay Informed
View All
Retirement Planning

Why Rolling Over Your 401(k) Could Be the Smartest Move You Make

When you leave a job, your 401(k) shouldn't be left behind. We break down the rollover process, the tax implications, and why acting fast can protect your savings.

Read More →
IUL Strategy

How an IUL Can Supplement Your Retirement Income Tax-Free

Most people overlook IUL as a retirement planning tool. Here's why it belongs in your strategy.

Read More →
Business Planning

Does Your Business Have a Buy-Sell Agreement in Place?

Without one, a partner's death could unravel everything you've built. Here's what you need to know.

Read More →
Visit Us
Our Office in Oxnard, CA
Origin Capital Office Building
Origin Capital Office Exterior
Address
1000 Town Center Dr, North #520 · Oxnard, CA 93036
Hours
Monday – Friday · 9:00 AM – 5:00 PM
origincapital.info
Get in Touch
Let's Talk About
Your Future
Address
1000 Town Center Dr, North #520
Oxnard, CA 93036
Website
origincapital.info
Hours
Monday – Friday · 9:00 AM – 5:00 PM
Send Us a Message
We'll be in touch within one business day.