About Agency A2Z
Helping Families Protect Their Retirement, Their Assets, and Their Legacy
Agency A2Z was built to help families understand the important planning decisions that can shape retirement, estate protection, long-term care, Medicare, and family legacy.
Our mission is to make complex planning easier to understand, easier to act on, and easier to align with each family’s goals before a crisis happens.
Our Mission
Planning Clarity from A to Z
We believe families should not have to wait until a health event, legal issue, retirement surprise, or financial crisis to understand their options. Agency A2Z brings education, strategy, and relationship-based guidance together so families can make confident decisions earlier.
Don’t just retire. Rule your retirement — by eliminating the gaps and avoiding the pitfalls.
Agency A2Z MissionWhat We Help With
Education and Planning for the Decisions Families Cannot Afford to Guess On
Our team helps families see the bigger picture across retirement, estate protection, Medicare, long-term care, and legacy planning.
Will Awareness Trusts
Helping families understand wills, trusts, probate, powers of attorney, and how proper planning can protect the people they love.
Retirement Strategy
Guidance designed to help families avoid costly mistakes and build retirement plans with clarity, purpose, and long-term confidence.
Medicare Planning
Education around Medicare coverage gaps, options, timing, and how healthcare decisions can affect retirement security.
Home and Asset Protection
Helping families understand how their home, savings, and legacy can be impacted by probate, care costs, and incomplete planning.
Long-Term Care Planning
Practical education to help families prepare for care needs before decisions become urgent, emotional, or expensive.
Family Legacy
Planning that helps families transfer wealth, values, and instructions with less confusion and more confidence.
Our Team
Meet the People Behind Agency A2Z
Our team combines retirement education, estate planning awareness, insurance guidance, real estate experience, financial strategy, and community leadership.
Founder
Founder of Agency A2Z
Jay Turner
The Retirement KingJay Turner, founder of Agency A2Z and widely known as The Retirement King, has spent more than a decade guiding families and training advisors in the areas of Will Awareness Trusts, Medicare, and Long-Term Care Planning.
In that time, he has helped thousands of families avoid costly mistakes, protect their assets, and design retirement strategies built to last. Recognized with multiple awards for mentorship and client service, Jay is celebrated not only for the results he delivers but for the clarity and confidence he instills in every client.
A proud father and grandfather, he brings the same commitment to family and legacy into every plan he helps create.
Don’t just retire. Rule your retirement — by eliminating the gaps and avoiding the pitfalls.
Financial Professional
Pennsylvania Resident
Thomas Howard
CEO of Foxcroft RetirementThomas Howard is a Pennsylvania resident and seasoned financial professional with more than 20 years of experience in the financial services industry.
He serves as the CEO of Foxcroft Retirement and is the Managing Partner of Gameplan Benefits as well as Alyst Advisors. Before entering the financial sector, Mr. Howard worked for Wyndham Corporation, one of the largest hotel groups in the world. His early career in hospitality laid the foundation for the client-focused approach and relationship-building skills he brings to financial planning today.
Mr. Howard’s specialties include college planning, retirement planning, and estate planning, with a strong emphasis on helping families protect, grow, and transfer their wealth efficiently. Prior to launching Foxcroft Retirement and Alyst Advisors, he served as a Strategic Planning Associate with Creative Financial Group in Pennsylvania, where he developed a deep understanding of long-term financial strategies and client solutions.
Thomas is driven by a simple but powerful passion: helping people. He believes in building meaningful relationships, educating his clients, and creating financial strategies that bring clarity, confidence, and peace of mind. For him, nothing is more rewarding than seeing a client smile and knowing he made a positive impact.
Outside of his professional life, Thomas enjoys family, music, and sports. He is a proud father of three, married to his beautiful wife, and the owner of an energetic Boston Terrier who keeps the household lively.
Community Advocate
Baltimore, Maryland
Ray C. Encomienda
BSEE Realtor | Insurance & Financial Professional | Entrepreneur | Community AdvocateBased in Baltimore, Maryland, Ray C. Encomienda is more than a Realtor and insurance agent — he’s a trusted guide helping families build lasting stability, security, and legacy.
With a foundation in Electrical Engineering from the University of Maryland, College Park, Ray brings an analytical yet deeply personal approach to every client relationship.
As an experienced Realtor with IMG Realty, Ray has built a reputation for honesty, attention to detail, and genuine care. Whether helping a first-time homebuyer find the perfect property or advising an investor on strategic acquisitions, Ray ensures every client feels informed, supported, and valued.
In addition to real estate, Ray is a licensed insurance and financial professional, representing top A-rated carriers nationwide. He specializes in living benefits, tax-free retirement strategies, and estate protection, helping families secure their future with confidence and compassion.
Beyond business, Ray is the driving force behind Active Life Adult Medical Day Center and Alaga Wellness LLC, two community initiatives dedicated to promoting health, dignity, and independence for adults and seniors across Maryland.
At the heart of everything he does is his family — his wife Clarissa, and their two sons, Lance and Gabriel — who inspire his passion, purpose, and unwavering care for others.
My goal is simple — to serve with heart, help families grow, and build legacies that last.
Our Values
What Families Can Expect from Us
We explain planning decisions clearly so families can understand the “why” before choosing the “what.”
Every plan starts with the people, goals, concerns, and legacy each family wants to protect.
We focus on clarity, options, and informed decisions — not confusion or rushed choices.
We help families think across retirement, legal planning, care costs, Medicare, assets, and legacy.
Start with clarity
Ready to Understand Your Next Best Step?
Whether you are planning retirement, protecting your home, reviewing Medicare gaps, or preparing your family for the future, our team can help you start with a clear conversation.
Talk with Agency A2Z
Start with a private consultation or join an educational workshop to learn the basics first.