If your income stopped tomorrow, how many months could your family live as they do today?
Most people do not have the number at hand. In 30 minutes you have it in writing.
Protection and wealth strategies
What would happen to your family if your income stopped tomorrow? And at 60, what will you live on?
Think about it today, calmly. Deciding is what changes everything.
In 30 minutes you leave with your number: what your family needs and what is missing today. Seguros Atlas protection, retirement and wealth strategies for those who live in Mexico or work in the U.S. and look after their loved ones here or there.
- 30-minute video assessment
- For those living in Mexico or working in the U.S.
- In English and Spanish
Benefits, the deduction and conditions depend on the plan you contract and on your tax situation. We do not guarantee returns. Advice on Ciudad Maderas land and homes is a service independent of Seguros Atlas plans.
Think it through
Three questions worth answering today
There are no right or wrong answers. There are answers you can plan and answers you leave to chance.
Are you ready for when you turn 60? On what income, and who decides: you or circumstances?
Picture that day in detail: where you live, what you live on, who you help. Then see how much to set aside today.
If you were gone, would your business keep going without you or stop with you?
What you built can support your family, or depend on you being there. It can be designed.
Where do we start: your family or your retirement?
Questions to reflect on, not a prediction or a promise of results.
Data
The numbers behind the decision
Figures checked against official sources and the companies’ own websites.
$213,973Annual deductible cap in a personal retirement plan: 5 UMA (2026)INEGI: 2026 annual UMA = $42,794.64 · Art. 151, sec. V, LISR (Mexican income tax law)
10%Maximum share of your taxable income you can deduct, up to the capArt. 151, sec. V, LISR
US$41,802 MRemittances to Mexico, January to August 2026Banxico, preliminary figure
+80 yrsof experience at Seguros Atlas, a 100% Mexican companyAccording to Seguros Atlas (segurosatlas.com.mx)
The deduction applies to contributions to SAT-authorized retirement plans, subject to legal requirements. Remittances are market context; they do not represent results for our clients.
Your path
What is your situation?
Pick one. We show you only what applies to you.
I live in Mexico / I am self-employed
If you do not contribute to IMSS, you build your own retirement: a private plan with a possible deduction in your annual tax return and, with that tax saving, land or a home in Ciudad Maderas.
I want to see how to lower taxes and build wealth →I work in the U.S. / My future is in Mexico
Earn in dollars, protect your family and prepare your return: a retirement plan in USD or UDIs and land in Mexico your family can watch grow.
I want to see how to protect my family and build my return →Where do we start: your family or your retirement? You choose the starting point.
The model
Two pieces, one strategy
Not everything in one plan or one lot: one piece gives you certainty and the other gives you something tangible.
Secure your retirement
A Seguros Atlas personal retirement plan, with a benefit defined in the contract. It is your income for the stage when you no longer want to depend on anyone.
Retirement at 65, or in case of disability
Optimize your taxes
If you meet the requirements, your contributions may be deducted in your annual tax return. That tax saving is a resource you decide how to use.
Up to 10% of your income, capped at 5 UMA
Build wealth
A Ciudad Maderas lot or home, with monthly payments. A tangible asset for your family, in Mexico.
Subject to availability and approvalThis is not a promise of return. The value of a lot can rise or fall, and the deduction depends on your tax situation. We review it with you, case by case, in your assessment.
Imagine
Imagine your first day of peace of mind
A plan is easier to understand when you can picture yourself in it. Three scenes of what many families want to build, calmly.
A future worth celebrating
Save today for your children's education and the pride of watching them arrive.
An unhurried afternoon
A retirement income you planned yourself, so you can enjoy life without depending on anyone.
Illustrative rendering of Ciudad Maderas.
Land with your name on it
Something tangible your family can visit and watch grow.
Ciudad Maderas, SLP. Subject to availability and approval.Illustrative images. They do not represent results or guarantees.
Alert · in force since October 22, 2026
IMSS Modalidad 40: what changed and who it affects
New enrollments can no longer be retroactive and contribute at the last registered wage (or one UMA more). Those already enrolled keep their conditions. These are temporary measures.
Read the full alert
Public information, with sources and no sign-up.
Behavioral science
Deciding with peace of mind is also a skill
Deciding about money creates tension, and that is human. That is why we design every step with behavioral-science principles: so you decide with clarity, not pressure.
CertaintyClarityPeace of mindLegacyControl
Protect what you already built
Your brain weighs what you could lose more than what you could gain. We start with what you already have: your family, your home, your job.
One small first step
Putting things off is human: today weighs more than the future. That is why we start with a 30-minute assessment, not a contract.
You decide
When we feel we are choosing, we move forward. That is why you always see two paths and the decision is yours.
Clarity builds trust
Simple feels safer. Few numbers, all verifiable, and steps you can follow one by one.
Behavioral-science principles used as a design guide. They are not a promise of results.
Trust protocol
Institutions you can verify
Every fact in this section comes from the company’s own website. We invite you to confirm it yourself before you decide.
Seguros Atlas
Insurer · Personal retirement plan
- More than 80 years of experience in the marketSource: segurosatlas.com.mx
- 100% Mexican company with more than 65 offices nationwide
- Publishes its solvency and financial condition report every yearsegurosatlas.com.mx/informacion-financiera.html
- Insurers in Mexico are authorized and supervised by the CNSF
Ciudad Maderas
Developer · Land and homes
- More than 40 years of experience in the sector
- +124,000 residential and commercial lots
- Present in 20 cities in Mexico and 4 in the United States
- 30+ luxury amenities per developmentDeveloper’s own figures, ciudadmaderas.com
The assessment has no costIt is a 30-minute video call. At the end you have your number.
We never receive your moneyPayments go to the account named in your contract or policy, never to a personal account.
Everything in writingTerms, costs and requirements reach you in writing before you decide. We do not promise returns or appreciation.
Diego S. Reyes is a Seguros Atlas agent (SyR Seguros). Ciudad Maderas land and homes are subject to availability and approval. This page is informational and does not replace legal or tax advice.
Free gift
Before you invest, don’t get fooled
Download the free 7-page guide for binational families: what to look for in a wealth-building investment, how to spot fraud and the 15 questions to ask before sending money.
- 10 red flags of fraud, including affinity fraud
- Where to verify an agent, a financial company or a contract, in Mexico and the U.S.
- Checklists for land, homes and insurance
- What to do if you already sent money
Open it now and save it. Use it as a checklist before sending money to anyone.
Open the guide (PDF)While you read it: if your income stopped for six months, would your family be covered? Numbers can tell you. When do you prefer?
HORIZONTE PATRIMONIAL
Every family and profession has a different story
We support people who want to protect what they have built and plan their next chapter with greater clarity.
Mexican families
Protect the people who depend on you and prepare for your family’s future, nearby or across borders.
Independent professionals
Organize your protection, savings, and wealth goals around your stage of life.
Entrepreneurs
Consider personal and family protection while growing your business.
Retirement planning
Take informed steps toward the next stage of life you want to build.
Illustrative photographs. Recommendations and terms depend on each person’s circumstances and the relevant product.