Fixed Annuities
Turn your savings into guaranteed income that arrives like clockwork, for as long as you live.
Learn moreToledo, Ohio · Maumee River
Income you won't outlive.
Edgewater builds protection-first retirement plans: fixed annuities, life insurance, and long-term care, for people who'd rather count on guarantees than gamble on the market.
- Independent & client-first
- Fixed, guaranteed products
- Enrolled Agent on staff
Our approach
Retirement money should behave like deep water: steady underneath, whatever the weather on the surface.
We're an independent practice. That means no quotas and no house products, just dependable, guaranteed strategies built to keep your retirement on course.
- 48+
- Years helping local retirees
- 271
- Households served
- In-house
- Tax preparation
What we do
Protection-first solutions
A focused set of services, all centered on keeping your retirement secure.
Life Insurance
Protect the people you love, with coverage matched to this chapter of life.
Learn moreLong-Term Care
Prepare for the cost of care so it never becomes your family's burden.
Learn moreTax Preparation
Returns prepared by an Enrolled Agent who already understands your whole plan.
Learn more
Why Edgewater
Independent guidance, built around your life.
- Independent & client-first
- Our recommendations answer only to you.
- Guarantees over guesswork
- Fixed products that protect your principal, whatever the market does.
- Tax expertise under one roof
- An Enrolled Agent who understands your whole financial picture.
- A local practice that picks up the phone
- We're right here on the Maumee River, and we answer when you call.
- No consultation fees or monthly charges
- Your money stays in your pocket.
How we work
A simple, unhurried process
- 01
A conversation
We listen before we recommend anything. No pressure, no jargon.
- 02
A written plan
Clear, protection-first recommendations built around your goals and timeline.
- 03
A lasting relationship
We stay alongside you, reviewing and adjusting as life and markets change.
Where we work
Serving the Toledo area and southeast Michigan
We're based on the Maumee River and licensed in multiple states, working with families across the Toledo area and the nearby counties of southeast Michigan. Not sure if you're in the area? Give us a call and we'll let you know.
- Lucas County, OH
- Wood County, OH
- Fulton County, OH
- Monroe County, MI
- Lenawee County, MI
- Washtenaw County, MI
Let's chart your course
Reach out for a relaxed, no-obligation conversation. We'll listen first, then show you how a protection-first plan could work for you.