Michael Wimmer, USMC – Ret.,CFP®
Financial Advisor
I am a CERTIFIED FINANCIAL PLANNER® at American Heritage Financial located in Pensacola, FL. I focus on helping find suitable solutions to your financial problems whether it be through risk management, income protection, retirement planning, or education funding. But it didn’t start here.
When I was in my 20’s, I remember being taken to a financial planner, and while I didn’t know it then, it would change my life forever. From that moment forward, I started taking my finances seriously, which then led me to take my career and life even more seriously. I saw the positive impact that financial planners had on people who needed their services the most, which drove me to do the same for others.
I spent over 20 years in the U.S. Marine Corps until I retired in 2019. While enlisted, I obtained a B.S. in Business Administration, and then attended Syracuse University where I obtained my M.S. in Logistics, Materials, and Supply Chain Management. Both degrees provided me the knowledge to give my clients an honest look at where they are, where they want to go, and the best way to get there.
When you walk through my door, the last thing we discuss is a product or investment vehicle. I want to address your problems head-on. Let’s talk about what keeps you up at night. What financial battles are you up against now that I can fight with you? What tools do you need to fight past your fears and achieve a future of financial freedom? I focus first on educating my clients, providing them options, and allowing them to choose what’s best for their family. I always seek to give my clients ownership of their plan.
When I’m not assisting clients with their financial goals, I love to teach, train, and compete in Brazilian Jiu Jitsu as a black belt! I currently live in Pensacola, FL with my lovely wife Juliana.
My certifications are in Life, LTC, DI, Annuity, Series 7, 66, CFP®.
Learn more at https://www.financial-warrior.com
AHF Wheel of Services
Wills / Trust Reviews
Leaving a legacy requires discipline and preparation. We can work with you to develop a tax-efficient plan that helps provide for the people and passions you care about the most.
Tax Strategies
While most tax preparers focus solely on the current year’s taxes, we plan for the future and highlight long-term strategies (after-tax, Roth and pre-tax) that fit your situation. While we don’t give specific tax guidance or prepare taxes, we often work directly with your tax professional to identify ideas that could make a meaningful impact now and in the future.
Investments
Once you reach life’s distribution phase — those long-awaited retirement years — it’s imperative to identify investments and strategies that align with your goals, risk tolerance and income needs. We can walk you through options to help ensure you never need to worry about running out of money.
Social Security
The question isn’t when can you begin taking your Social Security benefit (between 62 and 70); it’s when should you. We will detail many factors and considerations that go into Social Security optimization and help you determine ways to potentially increase your lifetime benefits.
Medicare
Let’s face it, Medicare can be confusing. But it doesn’t need to be. We can answer your questions and cut through the noise, making sure you have suitable medical and prescription drug coverage and clearly explaining options for covering the 20% of medical expenses that Medicare doesn’t cover.
401k / Pension
Understanding how your retirement program works is the first step toward reaching your goals. We can help you evaluate pension settlement options, make wise investment choices related to 401(k) or 403(b) plans and explain how your wealth is growing so you can have confidence your future is secure.
Workplace Benefits/Business Owner Solutions
If you’re a business owner struggling to recruit or retain key employees and provide attractive benefits, or if you’re contemplating a business transition, we can work with you to build a strong incentive plan and increase value. We create innovative solutions to help protect your business, your employees
and your lifestyle.
Long-Term Care Options
Preservation. That’s what long-term care is all about — shielding you and those you cherish from the unknown. We can assist in devising a long-term care strategy to give you confidence that, no matter what the future holds, your loved ones will be taken care of and your assets will remain intact.
Insurance Programs
The features of insurance policies can vary widely, meaning it’s essential to understand what your policy covers, who your named beneficiaries are, what limits you have and what triggers a loss. We can help you analyze and (if needed) adjust your plans to help eliminate surprises and ensure your needs are covered both now and in the future.
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Contact us today to learn how we have helped hundreds of individuals and families find the financial independence they sought by delivering services and products tailored to their distinct needs, goals and circumstances.