One Life.
One Business.
One Financial Picture.
Whether you’re building a business, preparing for retirement, navigating Medicare, or protecting your family — we start by understanding the whole picture before recommending the solution.
Clarity first - Strategy second - Solutions that fit your life.
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Retirement Income Planning
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Annuities
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Principal Protection
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Long-Term Care Planning
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Legacy Planning
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How We Help
From your business to your family, we help you see the bigger financial picture — then find the right solutions.
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Business Financial One Map Review
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Cost & Profitability
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Risk & Gap Analysis
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Employee & Retention Strategies
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Succession & Continuity Planning
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Advisor Coordination
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A&B enrollment help
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Medicaid help (if necessary)
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Medicare advantage
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Part D perscription
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Medicare supplement
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Hospital idemnity ( Cancer & heart)
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Dental Hearing & Vision
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Home & Auto Insurance
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Life Insurance
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Health Insurance
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Supplemental Health Coverage
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Personal & Family Protection
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Construction Company Owner
68 Employees
$180K in Annual Hidden Profit Identified
“I first met Mike at a job site. We started talking while I was waiting on a delivery. I told him business had never been busier — but somehow, it didn’t feel like we were keeping enough of what we made.
Once we started looking across the business, we identified $180k in hidden profit and unnecessary costs.
Revenue wasn’t our problem. We were already making the money. We just weren’t keeping enough of it.”
Roofing Company Owner
28 Employees
$200K+ Saved- Reinvested in New Equipment
“Another business owner introduced me to Mike. I honestly wasn’t looking for another advisor — I thought we were already running a pretty tight operation.
Mike started asking questions about our costs, insurance, employees, agreements, and how everything worked together.
By the time we finished the process, we had identified more than $200,000 in annual savings. That gave us the cash to invest in new equipment without putting additional pressure on the business.
I thought Mike was going to show me where I could save a little money. I didn’t expect it to help fund our next stage of growth.”
Business Owner Preparing for Exit
38 Employees
Business Review & Exit Planning
“I’ve always considered myself financially savvy, so I honestly didn’t expect Mike to find much. Then he looked at me and said, ‘Prove me wrong.’
I was already preparing to sell my company and retire, so I figured — why not?
Once we started going through everything, I couldn’t believe how many unnecessary costs and overlooked opportunities had accumulated over the years. We cleaned things up before the sale and gave the business a much stronger financial picture.
In the end, I was able to sell the company at a price I felt good about — but just as important, the new owner took over a cleaner, better-organized business with a much stronger foundation to manage going forward.
I didn’t just prepare myself to retire. I prepared the business for its next owner.”
Family-Owned Business
28 Employees / 6 Crews
Succession & Business Continuity
“I met Mike at a local community event. We were talking about our kids, and I mentioned that mine had started working in the family business.
Mike asked me one simple question: ‘If something happened to you tomorrow, would they know exactly what happens next?’
I didn’t have a good answer.
We had spent years building the business, but very little time making sure the next generation could actually continue it. That conversation changed the way I looked at succession, agreements, insurance, and the future of everything we had built.”
Multi-Location Restaurant Owner
7 Locations / 120 Employees
From One Roof Problem to the Bigger Picture
I first met Mike on a rainy day when he came into one of my restaurants for a meal. We started talking, and I ended up venting about a storm, a leaking roof, and how frustrating the insurance process had been.
Mike started with the roof —
but he didn’t stop there.
That conversation led us to look at the bigger picture across the business: insurance, costs, employees, agreements, and areas I hadn’t thought to connect before.
I thought I had a roof problem. What I really needed was someone willing to look at the whole picture.”
John M., 68
Medicare Advantage Plan (with dental & vision)
"I thought I understood Medicare until I spoke with Mike. He helped me choose a Medicare Advantage plan that actually fits my doctors and medications. For the first time, I feel confident about my coverage."
Linda S., 62
Fixed Indexed Annuity (FIA)
"I was overwhelmed with all the annuity options out there. Mike helped me set up a Fixed Indexed Annuity that gives me growth potential without market risk. I finally feel like my retirement income is protected."
Robert K., 71
Medicare Supplement + Hospital Protection Plan
"After a major health scare, I realized how fragile things can be. Mike helped me move to a Medicare Supplement plan and added extra hospital protection. Now I’m not worried about unexpected bills anymore."
Angela D., 59
Retirement Income Strategy (Annuity + IRA rollover)
"I met with two other agents before Mike, and honestly, they just tried to sell me something.
Mike helped me roll part of my IRA into a strategy that creates steady income.
He actually listened."
Denise L., 49
Lifetime Income Annuity (Income Rider)
"I had over $250K saved but no real plan. Mike showed me how to turn part of it into guaranteed lifetime income. Now I feel much secure that
I won’t run out of money."
Meet
Michael J Larson
Founder of JML Insurance & Retirement Group
✔️30+ Years of Business & Financial Experience
✔️Four Square Program Business Consultant
✔️Multi- Insurance & State Insurance Broker
✔️ 800+ Clients Served
✔️ Experience Across Business Leadership,
Management, Lending, Insurance & Retirement
✔️ Focused on the Whole Financial Picture —
Not Just the Product
Michael believes good financial guidance starts with
better questions. Before recommending a product or
strategy, he looks at the bigger picture — your business,
your family, your risks, and where you want to go next.
