Next Wave Options
Independent life insurance and retirement income agency serving Salinas and Monterey County.
Get a quote
Independent life insurance and retirement income agency serving Salinas and Monterey County.
Get a quote
Effective 3 September 2026.
By using nextwaveoptions.com you accept these terms. If you do not accept them, please do not use the site. Nothing here changes the terms of any insurance policy you own; a policy is governed by its own contract and by the carrier that issued it.
This site explains life insurance and retirement income options in plain English so you can decide what to ask about. It is general information, not advice about your particular situation, and reading it does not make you our client. Nothing on this site is an offer to sell insurance or a solicitation in any state where we are not licensed.
Next Wave Options is licensed by the California Department of Insurance, license #0G97165, for life and annuity products. We transact insurance in California. If you live elsewhere, the information here may still be useful, but we cannot place coverage for you.
We are insurance licensed, not securities licensed. We do not provide investment, tax, or legal advice, and nothing on this site is a recommendation to buy, sell, or hold any security, or to leave any employer or public retirement plan. Decisions about a retirement account have tax consequences that depend on facts we do not know, and they should be made with your own tax and legal advisers. Our full disclosures are on the disclosures page.
Every calculator on this site produces a hypothetical illustration from the numbers you enter and the assumptions printed alongside the result. It is not a quote, not an application, and not a guarantee. Carrier rates change daily and depend on underwriting. The withdrawal tax calculator uses published federal and California tax figures for the year stated on that page and is a rough estimate, not a tax computation. Do not make a decision on a calculator result alone.
Tax rules, contribution limits, plan mechanics, and carrier rates change. We cite the IRS, the Department of Labor, CalPERS, CalSTRS, or the plan's own documents for the rules we rely on, and we re-check them when we review a page. Even so, a figure on this site may be out of date by the time you read it. Verify anything you intend to act on against the primary source we link to, or ask us.
We link to government agencies, retirement systems, and rating organizations so you can check our work against the source. We do not control those sites and are not responsible for their content, and a link is not an endorsement.
The text, layout, and images on this site belong to Next Wave Options, except for material we have licensed. You may read it, print it, and share a link to it. Please do not republish it as your own or use it to market a competing agency.
Sending a form or leaving a voicemail does not create an agency relationship, bind coverage, or start a policy. No coverage exists until a carrier issues it and the policy's own requirements are met. Do not send us sensitive information such as a Social Security number through a web form; that belongs on a carrier application.
We work to keep this site accurate and available, but we do not warrant that it will be error-free or uninterrupted. The site is provided as is. To the extent California law allows, we are not liable for indirect or consequential losses arising from your use of the site or from reliance on general information published here. Nothing in these terms limits any liability that cannot lawfully be limited, and nothing here limits your rights under your insurance policy or under the California Insurance Code.
We want this site to work for everyone. If something is hard to use with a screen reader or keyboard, tell us and we will fix it. Our commitment is on the accessibility page.
We may update these terms. The effective date at the top tells you when the current version took effect, and using the site after that date means you accept it.
These terms are governed by the laws of the State of California. Any dispute arising from them belongs in the state or federal courts serving Monterey County, California.
Next Wave Options, Roberto Morales, California Insurance License #0G97165. Telephone (831) 821-1510. Serving Monterey County by video call and in person by appointment.
