Three ways life insurance fits your plan
Asset protection and wealth transfer
Retirement planning
Tax diversification
Part of a broader financial plan
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.
E&Y is an independent firm helping individuals and families in Michigan use 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.
Our three-step planning process
Our process helps identify and implement suitable strategies to meet your needs and retirement goals.
01
Start Smart
Get a clear understanding of your financial life: your current situation, goals, objectives, risk tolerance, and the key considerations in your retirement strategy.
02
Apply Discipline
A retirement strategy designed for you, aligning your goals around protection, accumulation, wealth transfer, income, and a tax-free retirement.
03
Communicate Progress
Transparency of your income plan, with visibility, proactive outreach, and accessibility to our team throughout our relationship.
Six fundamental financial planning considerations
The question is not if these will affect your finances, but to what degree.
Longevity
Outliving financial assets as the result of a longer life.
Inflation
Reduction in real purchasing power as the cost of living increases.
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, or impairment of legacy assets, from increasing taxes.
Our services, your future
We explore your needs at any stage of life to provide a custom-tailored solution that we continue to monitor and adjust.
Retirement Savings Optimization
Tax Planning
Social Security Optimization
Medicare Planning
Legacy and Estate Planning
Mortgage Protection
Income Planning
College Funding
Inflation Protection
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 designs protection-based strategies that support clients’ wealth transfer, wealth preservation, and business succession goals.
He frequently coordinates with top tax, legal, and financial planning professionals. Carrier agnostic, Vlad works with more than 70 insurance carriers in the United States and abroad, and has a strong record of securing coverage for clients who have struggled to obtain it.
Get a life insurance quote
Life insurance made easy. Apply on your own, or connect with our team, who will 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.