Michigan Retirement Planning
E&Y Insurance agency
Incorporating life insurance into a broader financial plan can help individuals and families address multiple financial needs: protecting loved ones, creating wealth, ensuring tax-efficient growth, and planning for future healthcare costs. When strategically used, it is a versatile financial tool that not only provides peace of mind but also plays a key role in achieving long-term financial security.
E&Y Insurance agency is an independent insurance firm, specializing in helping individuals and families in Michigan/the greater Michigan area, utilize life insurance to provide a death benefit for loved ones, shield assets from probate and unnecessary taxation, optimize retirement savings, and secure tax-free retirement income in support of a holistic financial plan.
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 align your goals around protection, accumulation, wealth transfer, income, and a tax-free retirement with solutions available to you and your family.
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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Here For You
Meet The Advisor
Vlad Federmesser
Independent Broker
Vlad is a seasoned independent insurance consultant with Heirloom Insurance Group. A graduate of Oakland University in Michigan, he has built a career around designing bespoke, protection-based strategies that support clients’ wealth transfer, wealth preservation, and business succession objectives. His thought leadership has been recognized across the industry, and he has been invited to contribute to leading peer-reviewed publications, including Wealth Management and Trusts & Estates. Vlad is known for his collaborative approach, frequently coordinating with top tax, legal, and financial planning professionals to ensure that each client benefits from a fully integrated advisory team. Carrier agnostic in his practice, Vlad works with more than 70 insurance carriers in the United States and abroad. This broad access enables him to identify and implement the most appropriate solutions tailored to each client’s unique profile and needs. He has a strong record of success in securing coverage and structuring solutions for clients who have previously struggled to obtain the protection they require.
Get a Life Insurance Quote
Life insurance made easy. Get affordable coverage with our simple online quoting tool and application—quick, hassle-free, and on your terms. Apply on your own or connect with our expert team, who’s here to guide you every step of the way.
Step One
Simply complete the fields and run a quote.
Step Two
Choose the coverage you want and start the application.
Step Three
Follow the onscreen instructions and complete the application.
RR
Retirement Resources
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.
Our Upcoming Events
Educational Events
Events in June 2026
- There are no events scheduled during these dates.
Client Events
Events in June 2026
- There are no events scheduled during these dates.
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.
Financial Literacy Videos
Downloads
Legacy and Estate Planning; Understanding the Basics
Estate planning is an important part of retirement planning. You’ve worked hard for your money and want to see your children and grandchildren benefit, and you probably want to see it passed down in the most efficient way possible. Unfortunately, costly mistakes are all too easy to make, from forgetting to name a beneficiary on your retirement account to not updating your estate plan over time. It’s not just billionaires who need to have solid estate plans; it’s anyone who wants their wishes to be honored after their passing.
