You want a plan that's Strategic, not generic...
Strategize Your Wealth in Retirement
I’m Michael Zoellner from Michigan. I help folks build reliable, protected retirement income without touching the investments they’ve worked hard to build.
If you want the best return possible without getting eaten alive by high fees, without getting crushed by market drops, and without worrying about running out of money, then we need to talk.
Fixed Index Annuities
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Principal Protection - No market loss
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Tax-Deferred Growth
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Market-Linked Upside
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Guaranteed Lifetime Income
Life Insurance
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Term Life - Affordable coverage for a set period
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Whole Life - Lifetime protection with cash value
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Universal Life - Flexible coverage and growth potential
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Indexed Universal Life (IUL) - Growth tied to market indexes
Why Work With Us?
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Independent with access to top-rated carriers
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Multiple networks to shop the entire annuity market
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Tailored to your goals and budget
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Clear, no-jargon guidance
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Ongoing support
David R. Zoellner Sr.
I have been offering insurance policies for 30 years. I have seen the insurance industry developed and changed based on money flows, demographics of the American people and changes in tax law. Their offerings are designed to capture assets away from Wall Street.
In the late1990s, life insurance companies offered attractive benefits for variable annuities that piggy backed on the stock market's high returns.
Not long after they realized that the benefits for policyholders were priced too low, once the big stock market returns vanished. They reacted by raising the costs and lowering the benefits on their new products.
I've seen financial management companies go after assets that may have gone into insurance products, by coloring insurance products as a mistake for retirees.
Retaking money from retirement assets that was possibly earmarked for insurance in an ongoing battle.
Our firm offers both stock market investments and insurance products.
We use our Comprehensive Wealth Management skills to determine what mix of insurance and stock investments fit each client.
We use specialists in the insurance industry to select the right product based on our knowledge of client's wellness, longevity, and current assets.
What I can confidently say is that the funds we have recommended into insurance for our clients have been well placed.
By virtue, nearly all the insurance policies have remained in their original placement for our clients' benefit for decades.
