Business Details
29 Years
experience
Your Bridge to Secure Retirement Planning
Bridgeside Insurance Agency has been serving clients since 1997, providing expert retirement planning solutions tailored to individual needs. Our co-owners, Roy Kalmus and Michael Davis, bring over 60 combined years of industry experience to help clients navigate retirement risks and income strategies. We operate from three locations across New York, New Jersey, and South Carolina, offering personalized service that prioritizes client needs over corporate interests. As an independent agency, we maintain partnerships with multiple carriers to ensure objective recommendations. Our approach combines deep market knowledge with a commitment to transparency, focusing on fixed annuities, life insurance, and Social Security optimization.We specialize in addressing retirement income gaps through guaranteed solutions while maintaining licensing in 18 states for broader client accessibility. Our team emphasizes long-term relationships, regularly updating strategies to align with evolving client circumstances and regulatory changes. This dedication to personalized service has sustained our reputation as a trusted advisor in retirement planning for over two decades.
Services
Retirement Strategies
Fixed Annuities
Social Security Planning
Legacy Planning
Life Insurance Solutions
Details
- Year established: 1997
Highlights and features
- We offer 25+ years of combined retirement planning expertise from our co-owners
- Our independent agency status ensures unbiased carrier recommendations
- We maintain licensing in 18 states for expanded service capabilities
- Our personalized approach focuses on individual retirement risk assessment
- We specialize in guaranteed income solutions protecting against market volatility
Services
Retirement Strategies
We develop personalized retirement income strategies addressing market volatility risks and Social Security shortfalls. Our approach combines fixed annuities and life insurance solutions to create guaranteed income streams. With expertise in tax-advantaged planning, we help clients protect assets while ensuring sustainable retirement income tailored to individual financial goals and risk tolerance levels.
Fixed Annuities
Our fixed annuity solutions provide principal protection against market downturns while offering predictable income streams. We help clients evaluate accumulation options and income riders to create stable retirement cash flow. These products serve as effective tools for bridging retirement income gaps while maintaining principal security through contractual guarantees from issuing carriers.
Social Security Planning
We analyze Social Security statements to identify income shortfalls and optimize benefit claiming strategies. Our services include spousal benefit analysis, taxation impact assessments, and coordination with other retirement income sources. We help clients maximize their Social Security benefits while identifying complementary solutions to address coverage gaps in their retirement income plans.
Legacy Planning
Our legacy planning focuses on life insurance solutions for wealth transfer and family protection. We help clients structure policies to preserve assets for beneficiaries while addressing estate liquidity needs. This includes strategies for replacing lost income, funding final expenses, and transferring values through both financial assets and personal legacy components in retirement planning.
Life Insurance Solutions
We offer life insurance products that provide death benefit protection and cash value accumulation. These policies serve dual purposes in retirement planning: protecting dependents and creating tax-advantaged savings vehicles. Our solutions help clients replace lost income, fund retirement shortfalls, and build multi-generational wealth transfer strategies through permanent life insurance structures.
People
Roy Kalmus
Co-Owner
With over 30 years in insurance, Roy specializes in retirement income planning using tax-advantaged strategies. He graduated from City College of New York with an Accounting degree and focuses on helping clients protect and distribute retirement assets through guaranteed solutions.
Michael Davis
Co-Owner
Michael brings 30+ years of experience in retirement income strategies, specializing in identifying income gaps and creating lifetime solutions. A graduate of Iona College with a Marketing degree, he focuses on helping pre-retirees and retirees secure their financial futures through guaranteed income products.
Questions
What retirement planning services do you offer?
We provide comprehensive retirement strategies including fixed annuities, Social Security optimization, legacy planning, and life insurance solutions tailored to individual needs.
Do you serve clients outside New York?
Yes, we serve clients in New Jersey, South Carolina, and 15 additional states through our multi-state licensing capabilities.
How do you help with Social Security planning?
We analyze your Social Security statement to identify income gaps, explain benefit claiming strategies, and coordinate with other retirement income sources for optimal results.
What makes your agency different from others?
As independent advisors with 60+ combined years of experience, we offer personalized solutions through multiple carriers while maintaining a strong focus on guaranteed income strategies.
Can you help with legacy planning beyond financial assets?
Yes, we help structure life insurance solutions that address both financial legacy and non-monetary aspects like family values and personal possessions in estate planning.
