Retire with a plan you understand.
Whether retirement is a few years away or already here, our local advisors help you plan your income, Medicare, and estate in one clear plan.
Three decisions. One plan.
Income, healthcare, and legacy affect each other. We plan them together so nothing gets missed.
Healthcare Planning
Find Medicare coverage that fits your doctors, prescriptions, and budget. Plan ahead for long-term care.
Plan your coverage →
Retirement Planning
Turn your savings, pension, and Social Security into income designed to last as long as you do.
Plan your income →
Legacy & Estate Planning
Decide how your assets pass to the people you love and keep final costs off their shoulders.
Plan your legacy →Five birthdays that shape your plan.
- 59½
Penalty-free withdrawals
Take money from IRAs and 401(k)s without the early-withdrawal penalty.
- 62
Social Security opens
You can start claiming benefits, but your monthly amount is reduced.
- 65
Medicare begins
Your enrollment window opens three months before your birthday month.
- 67
Full retirement age
You receive your full Social Security benefit if you were born in 1960 or later.
- 73
Required distributions
RMDs begin for most tax-deferred retirement accounts.
We help you prepare for each one.
Independent advice from people who live here.
Insurance and investment products are hard to compare. As an independent agency, we work with many highly rated carriers and institutions, so we can recommend what fits you instead of a single company’s product.
“Financial planning should empower you, not overwhelm you.”Haitham Aboul-Hosn, Founder & CEO
Rooted in Central Florida
Getting started is a conversation.
- Step one
Free consultation
We learn about your income, current coverage, and goals. There’s no cost and no obligation.
- Step two
Your written plan
We compare options across carriers and institutions and lay out your choices side by side.
- Step three
Yearly reviews
We check in with you every year, including during Medicare’s Annual Enrollment Period (October 15 to December 7).
A local advisor with a whole team behind them.
Our licensed advisors serve families from Central Florida to the Gulf Coast, backed by estate planners, insurance specialists, and our Lake Mary support team.
Independent advice, right here in Florida.
Florida Retirement Group is an independent insurance and financial services agency for people approaching or in retirement, based in Lake Mary since 2017.
Too many options.Too much fine print.We make it simple.
Most people don’t struggle with retirement because they lack options. They struggle because there are too many, and the paperwork doesn’t help. We started Florida Retirement Group to change that.
Our licensed advisors specialize in Medicare, long-term care insurance, life insurance, estate planning, and independent financial planning. Together they have helped more than 6,500 families prepare for retirement.
Because we’re an independent broker, we work with many of the highest-rated insurance companies and financial institutions. Our job is to find what fits your needs, not to push a single product.
The people guiding your plan.
Haitham Aboul-Hosn
Haitham founded Florida Retirement Group in 2017 and focuses on retirement income strategies. He began his career in 2006 with Bankers Life & Casualty, where he went on to manage a team of more than 40 agents. In 2013, he became Associate Managing Director at Futurity First.
Today FRG has more than 25 registered agents. Outside of work, Haitham coaches youth soccer and spends time with his wife and three sons.
LinkedIn →
Michael Kovacs
Michael started in insurance and financial services in 2010 with Bankers Life & Casualty in Central Florida, joined Futurity First in 2013, and has been with Florida Retirement Group since 2017. He advises clients on investments, insurance, income, and estate planning, with support from investment specialists and tax and estate planners.
His clients know him for listening closely and doing what’s right for them. He lives in St. Petersburg with his wife and son. He often reminds clients that people don’t plan to fail; they fail to plan.
LinkedIn →
Chaz Mulherin
Chaz began his insurance career in 2009 with Great American Senior Benefits and founded My Medicare Hotline in 2010. He has helped more than 1,000 people enroll in Medicare and works with a wide range of Medicare carriers in Florida, so his recommendations aren’t tied to any one company.
A native Floridian, Chaz plays golf in his free time and lives with his wife and daughter.
LinkedIn →The people behind the scenes.
Dorean Beltran
Diya Cotto
Macy Scheer
Leon Marks
Sophia Stricker
Plan your healthcare, income, and legacy together.
Your Medicare choice affects your budget, and your income plan shapes what you leave behind. We look at all three with you and put them into one written plan.
Medicare and long-term care, sorted out.
Healthcare is one of the biggest costs in retirement. We help you choose coverage that fits your doctors, your prescriptions, and your budget.
“Healthcare planning isn’t just about coverage—it’s about ensuring you have the support and resources to maintain your well-being and peace of mind.”Chaz Mulherin, Medicare Mentor
Medicare Advantage and Supplement plans
Original Medicare doesn’t cover everything. We compare your options so you know exactly what you’re getting.
- ✓Medicare Advantage (Part C) bundles hospital, medical, and often prescription coverage into one plan.
- ✓Medicare Supplement (Medigap) helps pay copays, deductibles, and coinsurance left by Original Medicare.
- ✓Side-by-side comparisons of plans in your county, checked against your doctors and budget.
Prescription drug plans
The right Part D plan depends on exactly which medications you take. We help you:
- ✓Compare plans based on the total cost of your prescriptions.
- ✓Understand enrollment deadlines to help you avoid late-enrollment penalties and coverage gaps.
- ✓Review formulary changes each year so they don’t catch you off guard.
Care later in life
Planning ahead protects both your health and your savings.
- ✓Nursing home and assisted living coverage options that can help pay for care and protect your retirement savings.
- ✓Home healthcare so you can stay in your own home longer.
- ✓Hybrid life and long-term care policies that pay a death benefit or help cover care.
Not connected with or endorsed by the U.S. government or the federal Medicare program.
Income designed to last as long as you do.
We help you build, protect, and draw down your savings so retirement feels secure rather than uncertain.
“Financial planning should empower you, not overwhelm you. Our mission is to simplify the complexities of wealth strategies, so you can focus on building a secure and prosperous future.”Haitham Aboul-Hosn, Founder & CEO
Income planning
We map everything you have, then build a plan to turn it into steady income.
- ✓Asset and income review. We review your 401(k)s, IRAs, pensions, Social Security, and other investments together.
- ✓A plan built around your life. Your strategy reflects the lifestyle you want, your healthcare costs, and your legacy goals.
- ✓Sustainable income. We help with Social Security timing, rollovers, and annuity options for income in retirement.
Investment management
Your portfolio should match the risk you can live with and how long your money needs to last.
- ✓Growth: stocks, mutual funds, and ETFs for long-term appreciation.
- ✓Income: bonds, dividend stocks, and annuities for steadier returns.
- ✓Risk management to help limit the damage from downturns.
401(k) and IRA rollovers
Moving an old employer plan is a common step before retirement. Done carefully, it can help you:
- ✓Avoid unnecessary taxes and penalties.
- ✓Keep control over how your money is invested.
- ✓Plan withdrawals that make savings last longer.
Annuity income options
An annuity can turn part of your savings into a stream of income, including income for life. Any guarantees are subject to the claims-paying ability of the issuing insurance company and the terms of the contract.
- ✓Fixed annuities pay a set, predictable amount.
- ✓Indexed annuities credit interest linked to a market index, with protection from market losses as defined in the contract.
- ✓Variable annuities offer growth potential through underlying investments.
Tax-efficient withdrawals
The order you take money out matters. We plan your withdrawals to help you keep more of what you’ve saved.
- ✓RMD planning so required distributions don’t surprise you.
- ✓A balanced withdrawal order across tax-free, tax-deferred, and taxable accounts.
- ✓Pension and Social Security timing so you claim at the right moment.
Annuity guarantees are subject to the claims-paying ability of the issuing insurance company and the terms and conditions of the annuity contract. Variable annuities are subject to market risk, including possible loss of principal.
Protect what you’ve built and who you love.
A clear estate plan makes sure your wishes are followed and spares your family from making tough decisions during a difficult time.
“Planning for final expenses is about relieving the financial burden on your loved ones.”Michael Kovacs, Money Mentor
Final expense planning
We help you set aside money for funeral costs, final medical bills, and outstanding debts, so your family isn’t left paying them.
Wills, trusts, and wealth transfer
We help you think through how wills, trusts, and beneficiary designations fit your goals, and we work alongside your attorney and tax professional so your estate can pass smoothly to your beneficiaries.
Life insurance policy reviews
A policy bought years ago may no longer fit. We review your coverage against your current finances and estate goals and show you options if something needs to change.
Florida Retirement Group and its representatives do not provide legal or tax advice. Please consult your own attorney and tax professional regarding wills, trusts, estate planning, and related legal or tax matters.
Find an advisor near you.
Our affiliated advisors work across Florida. Each one can walk you through Medicare, retirement income, and planning for your family.
Book your free consultation.
Tell us a little about what you’re planning for, and an advisor will call you to set up a time. There’s no cost and no obligation.
Let’s plan your retirement together.
Start with a free, no-obligation consultation with a local advisor.
Book a free consultation