Illinois Retirement Planning
Allegiance Wealth Allies
We understand that navigating finances can feel overwhelming, but you don’t have to do it alone. Allegiance Wealth Allies is here to be your trusted partner in building a secure and confident future. As an independent financial services firm, we’re committed to helping individuals, families, and business owners protect what matters most. Through personalized retirement strategies, income planning, and insurance-based solutions, we help you create financial stability, preserve your wealth, and work toward tax-efficient outcomes. Whether you’re planning for retirement, going through a life transition, or focused on building a legacy, our holistic, client-first approach keeps your goals at the center of everything we do.
01
Start Smart
Get a Clear Understanding of Your Financial Life
First, we gain a thorough understanding of your current financial situation, goals, objectives, risk tolerance, and the key considerations that should be addressed in your retirement strategy.
Six Fundamental Financial Planning Considerations
Six key financial planning considerations can impact your financial goals now and in the future. The question is not if these will affect your finances, but to what degree. We evaluate your sentiment toward each consideration and quantify the potential effects on your assets over time. This allows us to build customized strategies to help you achieve your financial objectives for retirement.
Longevity
Outliving financial assets as the result of a longer life.
Inflation
Reduction in real purchasing power as the result of increasing cost of living.
Mortality
Loss of financial assets as the result of a partner’s or spouse’s death.
Liquidity
Limited access to assets to meet life’s unexpected financial needs.
Market
Unexpected reduction in the value of financial assets at the time of withdrawal.
Taxes
Decreasing income and assets and/or the impairment of legacy assets from increasing taxes.
02
Apply Discipline
A Retirement Strategy Designed for You
Next, we design a retirement strategy that actively works to help optimize your wealth and protect your finances, keeping your goals and objectives at the forefront of our planning process.
03
Communicate Progress
Our Commitment to You
Lastly and continually, we work to ensure transparency of your income plan by providing visibility, proactive
outreach, and accessibility to our team throughout our working relationship.
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Meet The Advisor
Esmeralda Quiñonez
Founder & CEO
With over 10 years of experience in the financial industry, Esmeralda Quiñonez is a passionate advocate for financial education and wealth empowerment. As the founder and CEO of Allegiance Wealth Allies, she leads with purpose, offering individuals, families and small business owners access to strategies that build, protect, and transfer wealth with confidence and clarity.
Key Highlights:
- Well respected in Life Insurance marketing, innovation and distribution • Licensed in Life Insurance and specialized in legacy planning
- Bilingual: Fluent in English and Spanish
- Specializing in 401(k) rollovers and retirement strategies
- Advocate for community empowerment through financial education
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Retirement Resources
Complimentary Educational Resources
Lastly and continually, we work to ensure transparency of your income plan by providing visibility, proactive outreach, and accessibility to our team throughout our working relationship.
Our Upcoming Events
Events in October 2025
- There are no events scheduled during these dates.
Our Downloads
Tax Free Federal Employee’s Guide to Retiremenet
Your financial strategy is the foundation of your retirement life. However, it can be difficult and complex to keep up with the changing financial landscapes, laws, and regulations, especially if you’ve been a federal employee and have worked for the government throughout your career.
Our Blog
Financial Calculators
PLEASE NOTE: The information being provided is strictly as a courtesy. We make no representation as to the completeness or accuracy of information provided via these calculators. Nor is the company liable for any direct or indirect technical or system issues or any consequences arising out of your access to or your use of third-party technologies, information and programs made available through the use of these calculators.
