Signature Financial Solutions

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Investment Advisor Representative

A clear plan for retirement, and someone to call when things change.

Michael K. Reich has worked in financial services since 2001. From his office in Sarasota he helps Florida Retirement System members, first responders, small business owners and people close to retirement understand what they have and decide what to do next.

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Michael K. Reich
FSS, LUTCF
Our Approach

The plan comes first. Products come last.

A good financial plan starts with what you want your money to do. Michael begins with your goals, your comfort with risk and your timeline. Only after that does he look at which investments or insurance might fit.

Markets move, tax rules change and life rarely goes to schedule. That is why Michael sits down with you on a regular basis to review the plan and adjust it when your situation changes.

2001 Year Michael started in financial services
29 States where he is registered, plus DC and Puerto Rico
Reviewing a financial plan at a desk
Who We Serve

Four groups Michael knows well

Every client is different, but most of the people Michael works with fall into one of these groups.

01

Florida Retirement System Members

Pension Plan or Investment Plan? DROP or no DROP? Michael helps FRS members understand their options and how those benefits fit with the rest of their savings.

02

First Responders

Shift work, earlier retirement dates and special risk benefits make planning different for police, fire and EMS families. Michael builds plans around those details.

03

Small Business Owners

Cash flow, retirement plans for you and your employees, and what happens to the business when you step away. Michael helps owners plan for the company and for themselves.

04

Pre-Retirees and Retirees

When to claim Social Security, how to turn savings into income and how to prepare for health care costs. These are the questions Michael works through with people at or near retirement.

What We Offer

Planning that covers the whole picture

Retirement, investments, education savings, Social Security and estate strategies all affect each other. Michael looks at them together.

Reviewing financial figures on a laptop

Comprehensive Financial Planning

One plan that ties together your budget, savings, investments and insurance, built around the goals you set.

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A couple meeting with an advisor

Retirement Strategies

A plan for the income you will need, where it will come from and how to prepare for health care costs along the way.

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Investment planning

Portfolio Management

An investment strategy matched to your risk tolerance, your objectives and the time you have to reach them.

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Workplace Retirement Plans

Your plan at work may let you bring your own advisor.

Many 401(k) and 457 plans include a Self-Directed Brokerage Account option. It can give you more investment choices and access to professionally managed portfolios for part of your balance, while the rest stays in your plan's core lineup.

How SDBAs Work
Financial Calculators

Run your numbers

Two quick tools for the questions Michael hears most. Nothing you enter is saved or sent anywhere.

Will your money last?

Estimate what your savings could grow to and how long they could support the retirement income you want.

Retirement Readiness Calculator

Does a Roth conversion make sense?

Compare paying tax now with paying it later, using your own tax rates and timeline.

Roth Conversion Calculator
How It Works

A four-step process

You will always know where you are in the process and what comes next.

1

Discovery

Michael gets to know you, your goals and where your finances stand today.

2

Plan

He puts together a written plan that fits your circumstances and objectives.

3

Implement

Once you are comfortable with the plan, he puts each piece of it in place.

4

Monitor and Review

You meet regularly to check progress and make changes as your life or the markets change.

About Michael

In financial services since 2001.

Michael K. Reich, FSS, LUTCF, is an Investment Advisor Representative at Signature Financial Solutions. His work centers on financial and retirement planning, portfolio construction and college planning.

He earned a Bachelor of Science in Business Administration from the University of Central Florida. What he values most about the work is the relationships he has built with individuals, families and business owners over the years.

Husband to Bekki, dad to Cade, Maddie and Cooper, and youth baseball coach.

Full Biography
Start the Conversation

Ready to talk about your plan?

If you think you could benefit from working with a financial professional, let's review your goals and see whether the practice is a good fit for you.

Schedule a Consultation