Michael Cammarata,    RICP ®

My goal as a MetLife representative is to help all my clients build their financial freedom. I will guide you through making the right financial decisions by listening to your needs, addressing your concerns, and providing you with a full, detailed analysis of your financial profile. My main area of expertise includes, but is not limited to, all types of life insurance, fixed and variable annuties, and retirement/social security planning.

With the Retirement Income Certified Professional designation (RICP), I have acquired the skills to assist in creating sustainable retirement income. This includes structuring an effective retirement income plan while avoiding risks and providing a stream of income throughout your retirement years.

 

 

Whatever your needs, large or small, I am here to help you with a variety of insurance and investment needs.

Products and Services

Individual Services

Wealth Accumulation Strategies


  • Fixed and Variable Annuities
  • Education Funding Strategies
  • IRA Consolidation/ Rollovers
  • Pension Payout Alternatives
  • Retirement/ Social Security Planning
  • Mutual Funds/ Exchange Traded Funds



Family Protection/Wealth Preservation Strategies



  • Comprehensive Financial Strategizing
  • Life Insurance and Risk Management
  • Long Term Care Insurance
  • Mortgage Protection (through Life Insurance & Disability Income Insurance)
  • Charitable Giving Strategies
  • Estate Conservation Strategies



Business Services


Business Continuation/Key Employee



  • Deferred Compensation Plans
  • Executive Retirement Plans
  • Key Person Life & Disability Insurance
  • Buy/Sell Agreement Funding
  • Disability Buy-Out Plans
  • Business Overhead Coverage



Retirement Plans/ Employee Benefits



  • 401(k)/ Profit Sharing Plans
  • Money Purchase Plans
  • Defined Benefit Pension Plans
  • SEP and SIMPLE IRA Plans
  • Group Insurance (Life, DI & Dental)
  • Supplemental Health Insurance
  • Flexible Spending Accounts



Education and Qualifications



  • Series 6, 63, 65, and 7 licensed
  • Bachelors Degree in Finance from the University of Baltimore
  • Leaders Conference 1 Time Qualified
  • Licensed to sell Life & Health Insurance in Maryland, District of Columbia and Pennsylvania
  • Licensed to sell Life Insurance in Virginia, Florida, North Carolina, South Carolina, Kansas and Delaware
  • Registered to offer securities products in Maryland, District of Columbia, Virginia, Pennsylvania, North Carolina, Florida, Kansas, and Delaware



bCchsdfsdffsdfsdfsdfsdfsd OOjnjknvgjndgfnsdjkfnsgwbgjkebgjkad



Organizations


  • University of Baltimore Alumni Association
  • Member of The Society for Human Resource Management