Trusted expertise

Florida Retirement Group has built a reputation for integrity, knowledge, and client-focused solutions. Our licensed advisors are committed to guiding you through retirement planning, insurance, and financial strategies with clarity and confidence. 

Innovative Solutions

We stay ahead of industry trends, leveraging cutting-edge financial tools, investment strategies, and healthcare solutions to optimize your retirement and wealth management plan. Whether it’s Medicare, annuities, estate planning, or investment growth, our approach is tailored to meet your unique needs and goals. 

Quality assurance

We hold ourselves to the highest standards of excellence, ensuring that every financial and healthcare strategy we recommend is thoroughly researched, client-centric, and aligned with best practices. Our commitment to ongoing training, audits, and fiduciary responsibility guarantees that we always put your best interests first. 

Highly Qualified Team

exceeding your expectations

Haitham Aboul-Hosn

CEO | Financial Professional

Haitham graduated with a Bachelor of Science in Business from Brevard College in North Carolina in 2005. Haitham began his career in the insurance and financial services industry as an Insurance Advisor with Bankers Life & Casualty in Central Florida. During his tenure there, Haitham managed a strong team of up to forty agents.

Haitham continued his focus on financial planning when he joined Futurity First in August 2013 as the Associate Managing Director. Working with his agents at Futurity First, Haitham was able to develop and maintain multiple carrier relationships with top insurance companies, enabling him to provide his clients with outstanding products and services.

In 2017, Haitham co-founded Florida Retirement Group, an independent insurance agency that aims to help eliminate the complexity around insurance and investments. Haitham holds a Series 7 Securities License, 215 Insurance License, and the CLTC (Certified Long Term Care) designation.

Haitham enjoys playing soccer and spending time with his wife, Priya and their three sons, Zain, Naveen and Keyan.

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Michael Kovacs

Money Mentor

In 2010, Michael began his career with Bankers Life & Casualty in Central Florida.

In August 2013, he joined Futurity First, an independent insurance and investment group. In 2017, Michael co-founded Florida Retirement Group, an independent insurance, and financial services agency to help eliminate the complexities around insurance and investments.

He believes that with his knowledge and expertise in his field, he can provide information and education on the issues facing pre and post-retiree markets. Attention to detail, excellent listening skills, and empathy are characteristics his clients appreciate.

A team of investment product specialists, and tax and estate planners supports him. Their teamwork and professionalism help Michael build long-term relationships with his clients and provide thorough advice with enhanced customer service. Doing what’s right for the client is a motto Michael lives by daily, and he is passionate about his work.

Michael is a member of NIAFA and the exclusive Million Dollar Round Table Association. He holds a Series 6 Securities License, 215 Insurance License, and the CLTC (Certified Long Term Care) designation. Michael aims to grow continually in and out of the office.

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

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Chaz Mulherin

Medicare Mentor

He started his insurance career with a company called Great American Senior Benefits, based out of Cincinnati Ohio. In 2010, he started his own company, My Medicare Hotline and has since helped over 1,000 seniors enroll in Medicare and choose a Medicare plan. He is contracted with every Medicare plan in Florida. Chaz takes great pride to ensure that every client is enrolled in a plan that best suits their needs. Because he is not tied to one company, you’re sure to receive an unbiased opinion.

When choosing this career path, Chaz understood that his strong desire to help others would be both his guiding light to move forward as well as critical to his success. As a Florida native, he enjoys playing golf in his free time. The year 2021 was a banner year for Chaz who achieved both professional and personal triumphs. In 2021, Chaz earned the title of Top Medicare Sales Agent of the Year. He and his new bride Jordan built their dream home and moved in just in time to welcome their first child, a precious baby girl named Emilia.

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Jonathan Adams

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Shannon Kaul

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Elizabeth Sweeney

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Joe Stafford

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Diana Auman

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Bill Matherly

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Sean Valentine

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Todd VanDyk

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Rick Bowes

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Pete Newmes

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Kevin Gurdak

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Rob Michaelson

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Jim Curley

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Lynn Sandford

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Gary Kempler

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Eli Baquero

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Priscilla Elfrink

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Eric Sellick

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Ryan Schalk

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At Florida Retirement Group, we work for you! Our mission is to provide the knowledge, tools, and support you need to retire with confidence, security, and financial independence. 
80%

Retirement Success

1.5k

Healthcare Savings

150k

Estate Savings

90%

Client Retention