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.
Strategy
A retirement plan you control. Wealth you can actually see.
We combine Seguros Atlas (personal retirement plan) with Ciudad Maderas (land and homes) so your savings do two jobs: give you certainty today and a tangible asset tomorrow.
I want my diagnosis
Thirty minutes. You leave with your number.
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.
Your profile
Two paths, the same goal
Retirement, taxes and wealth, without depending on IMSS
Those who work for themselves often carry everything: taxes, retirement and their family’s future. This path turns an obligation into a plan.
- Protection you controlIf you do not contribute to IMSS or have an Afore, you build your own retirement plan: a benefit defined in the contract and clear rules from day one.
- Legal tax efficiencyContributions to an authorized plan may be deducted in your annual return (Art. 151, sec. V, LISR): up to 10% of your taxable income, capped at 5 UMA ($213,973 in 2026).
- Wealth built with your tax savingIf that deduction produces a tax saving or ISR refund, you decide whether to put it toward a Ciudad Maderas lot or home, with monthly payments.
- No fine printWithdrawing before age 65 (except disability) loses the benefit and the amount withdrawn is added to your income. We review this before you contract.
I want to see how to lower taxes and build wealth
Thirty minutes. You leave with your number.
How much could you deduct?
Illustrative estimate, in Mexican pesos per year.
Estimated deductible contribution$0
Share of the 5-UMA cap you use0%
Estimated ISR saving per year$0
This is a reference calculation: your actual saving depends on your return, deductions and adjustments. Cap = 5 × 2026 annual UMA ($42,794.64) = $213,973.20. Confirm with your accountant.
Your work in dollars, your family in Mexico, your return with pride
Every month you send home what you earn far away. This path turns it into a retirement plan and a place of your own, so returning is a choice made with pride, not out of need.
- Dollar income, dollar planSome plans have premiums in USD. Depending on the product, the sum insured can be protected in UDIs to preserve purchasing power in Mexico.
- Land in Mexico, bought from a distanceWith ID, proof of address and a remotely signed contract. Direct financing with monthly payments, subject to approval.
- Your family, at easeA plan designed so those who depend on you have support, and so you return to something of your own waiting for you.
- Retirement with defined tax treatment in MexicoWhen requirements are met (age 65, or disability), withdrawals receive favorable tax treatment in Mexico, with exemption limits; the excess is added to income. It is not “tax-free” without limit.
Your U.S. tax situation is differentThe Mexican deduction does not apply to your U.S. taxes and there may be obligations there (for example, reporting). That is why we review your case with an accountant experienced in both countries before recommending anything.
I want to see how to protect my family and build my return
Thirty minutes. You leave with your number.
US$41,802 MRemittances to Mexico, Jan–Aug 2026Banxico, preliminary
+80 yrsSeguros Atlas, 100% Mexican companyAccording to Atlas
Sources: Banxico (remittances, preliminary figure); Seguros Atlas. These are not client results.
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
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.
Ready to see your path?
A 30-minute video call. We review your case and show you options in writing.
I want my diagnosis
Thirty minutes. You leave with your number.