A family firm, built around the people we serve.
Northern Lakes Insurance and Wealth is an independent Michigan firm helping families approach Medicare and retirement with clarity, patience, and unhurried guidance.
Our Story
Why we built Northern Lakes.
We founded Northern Lakes in 2023 because we kept watching good people make important decisions with the wrong kind of help — rushed conversations, sales-driven recommendations, and the quiet feeling that no one was actually on their side. As a husband-and-wife team, we wanted to build the kind of firm we'd want guiding our own parents: independent, educational, and genuinely steady. We work with families across Michigan who are approaching, entering, or already living in retirement — and we treat each relationship like it's meant to last.
Meet the team
Meet David, Kaylee, and Cody.
David Wright, WMS
Co-Founder · Wealth Management Specialist · Licensed Medicare Advisor
David spent more than a decade on the institutional side of the financial services industry, coaching and consulting with some of the country's top financial advisors on retirement income planning, protection strategies, and helping families safeguard what they've spent a lifetime building. That behind-the-scenes work — sitting alongside the advisors other advisors call when the stakes are high — shapes how he works with clients today: full-picture, strategy-first, never product-led. He has been featured in several national media outlets for his straightforward take on retirement income and Medicare planning, and is known for translating complex financial concepts into clear, practical guidance. He is also co-founder of RetireWise Pro Tech, a proprietary retirement planning AI platform used by financial advisors across the country. His approach is simple: educate first, recommend second, and only when it clearly fits.
Kaylee Wright
Co-Founder · Licensed Medicare Advisor
Kaylee is a licensed Medicare advisor and co-founder of Northern Lakes, where she works directly with Michigan families navigating one of the most important decisions of their retirement. Her path here is unusual — and it's exactly why clients trust her. She started in healthcare as a Certified Nursing Assistant and dental assistant, which gave her a real understanding of how care actually works, what coverage gaps look like from the inside, and why the wrong plan can quietly cost a family for years. She then spent years inside the offices of some of the country's top financial firms, specializing in retirement planning and benefits for federal employees — a population whose pensions, health coverage, and survivor decisions leave very little room for error. Today she brings both lenses to every conversation: the clinical eye of a healthcare professional and the strategic discipline of a senior financial advisor. Clients trust her because she's direct, patient, and unmistakably on their side. She is also co-founder of RetireWise Pro Tech, the proprietary retirement planning AI platform she built alongside David. For Kaylee, every client is someone's parent, neighbor, or friend — and she advises them that way.
Cody Clark
Licensed Medicare Advisor
Cody brings years of hands-on healthcare experience as a caregiver and home health aide — a background that shapes how he approaches every Medicare conversation. He understands what clients face because he's been beside them through it. Cody helps people find coverage that genuinely fits their lifestyle and health needs, and he makes the process simple, clear, and stress-free. Clients describe him as friendly, down-to-earth, and committed to doing what's right for them.
Where Our Team Is Licensed
Most of our out-of-state clients are Michigan families who relocated, or relatives of clients we already serve. We're not a national call center — we're your neighbors who happen to also be licensed where your kids and grandkids live. Not all products and services are available in all states.
As seen in
How We Work
Independent. Educational. Unhurried.
Independent by design.
We're not employed by an insurance carrier or a brokerage. That independence is the entire point — it's what lets us put your situation first.
Education before recommendation.
You should never feel pressured into a decision you don't fully understand. We slow down, explain the trade-offs, and let you set the pace.
Built for the long term.
Medicare and retirement aren't one-and-done decisions. We're here for the follow-up questions, the annual reviews, and the years after.
When you're ready, we're here.
Schedule a no-pressure conversation. We'll listen first, answer your questions in plain English, and only suggest next steps if and when they clearly fit.