Your plan for Medicare, income,
and peace of mind.
Independent Medicare and retirement guidance — rooted in Michigan, licensed in 15 states. Clear thinking, zero pressure.
Independent guidance, built around your life.
Northern Lakes Insurance and Wealth is a Michigan-based firm helping families navigate Medicare and plan for retirement — with the kind of patient, knowledgeable guidance you’d want for your own parents.
As seen in
What we do
Two specialties. One steady team.
Medicare
Turning 65, already enrolled, or helping a parent — we make Medicare clear, unhurried, and built around your doctors, prescriptions, and budget.
Learn more →Retirement planning
A full-picture plan for the income, protection, and peace of mind that should come with the second half of life — never one-size-fits-all.
Learn more →Local & independent
We work for Michigan families, not a single carrier. That means honest comparisons, real options, and a team you can actually call by name.
Meet the team →Who we serve
Find yourself below.
Age 64–65
I'm turning 65 soon
Enroll on time. Avoid the penalties nobody warns you about. We walk you through every step.
Annual Review
I already have Medicare
Plans change every year. We check yours so your doctors, prescriptions, and coverage still fit.
Retirement Ready
I want my savings to last
You've built something. Now build a plan that turns it into steady income — for life.
Family Caregiver
I'm helping mom or dad
You're guiding a parent through Medicare or retirement. We meet you where you are — and treat them like family.
Dual Eligible
I have Medicare and Medicaid
Special plans exist just for you. We'll walk you through what's available in your county.
Special Needs
I'm managing a chronic condition
Heart disease, diabetes, COPD — certain plans are built specifically for people managing ongoing conditions. We'll see if you qualify.
Tax-Smart Retirement
I don't want taxes eating my retirement
Smart timing on withdrawals, Social Security, and required distributions can save you years of income. We help you keep more of what you've built.
Protect Your Legacy
I want my money to outlast me — not the IRS
Without a plan, retirement income, Social Security, and inheritances can quietly shrink. We build a strategy so more stays with you and your family.
Rooted in Michigan. Licensed in 15 States.
We primarily serve Michigan families across the Lower Peninsula and Upper Peninsula — and we continue serving clients who’ve moved away or have family in the states listed below.
From the Mackinac Bridge to the Indiana border — Northern Lakes is built by Michiganders, for Michiganders.
Not all products and services are available in all states. Most of our out-of-state clients are Michigan families who relocated, or relatives of clients we already serve.
How we help
Three simple steps. No pressure, ever.
Conversation
We start with a real conversation — your goals, your concerns, your questions. No forms, no pressure, no obligation.
Plan
We compare your options carefully and build a plan we'd be proud to recommend to our own parents — clear, written down, easy to follow.
Follow-through
We stay with you. Annual reviews, plan changes, questions when life happens — you'll always know who to call, and you'll always reach a real person.
When you're ready, we're here.
Free, unhurried conversation. No paperwork, no pressure — just clear answers from a Michigan team that picks up the phone.