Michael Kovacs is an insurance and financial advisor and the President of Florida
Retirement Group (FRG). In 2010, Michael began his career in the insurance and
financial services industry as an Insurance Agent with Bankers Life & Casualty. In 2013,
unwilling to remain a captive agent for one company, he took the opportunity to advance
his career and joined Futurity First, an independent insurance and investment group. In
2015, to offer more investment services, Michael became a certified and licensed
Financial Advisor. In 2017, Michael co-founded Florida Retirement Group, an
independent insurance & financial services agency. His career goal is to work for “you,”
the client, with complete transparency and drastically reduce insurance and
investments’ complexities.

Integrity is an integral component of Michael’s overall work ethic, something that is
becoming hard to find. Attention to detail and excellent, timely communication is
characteristics his clients appreciate. Michael excels at Medicare preparation, tax-free
retirement roll-over planning, and investment income strategies, including portfolio
design. He has effectively surrounded himself with a team of legal and tax professionals
offering estate planning services.

Michael holds a Series 6 Securities License, Florida 215 Insurance License, and the
CLTC (Certified Long Term Care) designation. He is a member of NAIFA and the
exclusive Million Dollar Round Table Association. He is passionate about the work he
does, and doing what is best for the client is a motto lived by daily.

Michael lives in St. Petersburg with his wife Annie and their son, Bowie. Away from the
business, he enjoys traveling and creating memories with friends and family. Michael
aims to continually grow as a person in and out of the office.

Michael’s most significant observation over the years has been that people don’t plan to
fail; they fail to plan.