John T. Ermer, Sr. is a financial professional, with over 30 years of experience advising high-net worth individuals, businesses, and health care professionals with financial and retirement planning*, executive benefits, investments, and estate planning strategies. In 2017 John joined New York Life Insurance Company.  In January of 2020, John formed Ermer & Associates, Inc.

John began his career with The Equitable (now AXA Equitable) in 1987 as a Financial Professional.  A year later, John was quickly promoted to Assistant District Manager, to what was then an award-winning district. In 1992, he was promoted to District Manager while concurrently training other Financial Professionals in the company’s Financial Planning initiative, successfully implementing the process to his clients.

In 1999, John left AXA Advisors to join Merrill Lynch as a Financial Advisor, where he managed client portfolios and continued to teach and implement the Financial Planning process. In 2002, he added a deep knowledge of investment vehicles to his array of client services when he joined Prudential Securities. Continuing his professional growth, John joined Costa Realtors Corp. in 2004 as a commercial real estate agent selling and leasing commercial properties and portfolios.

John brings 30 years of business experience in a wide spectrum of areas, including: insurance, Real Estate, investment, and financial services strategies.  John also utilizes a value-added consultative process when advising his clients.

John completed his education at The University of Miami in 1983, earning a bachelor’s degree in Business Marketing. In 2017, John earned a Master of Science in Theological Studies from St. Vincent de Paul Regional Seminary. Active in the South Florida community, John is a past trustee member of the Greater Miami Chamber of Commerce (1992-1995), The United Way (1995-2000), and The Children’s Home Society (2013-2014).  Currently, John is a member of the Planned Giving Advisory Council of the Arch Diocese of Miami.

John currently resides in North Bay Village, FL with his wife, Lourdes Dergan Ermer, Esq.

Website: https://www.newyorklife.com/agent/jermer

Michelle Nave Headshot

Martha Michelle Nave

Financial Services Professional

As a single mom from Hollywood, FL, with a diverse background spanning different regions, I understand the importance of financial stability and security. With over a decade of experience in the hospitality industry, I bring a blend of warmth and professionalism, ensuring exceptional customer service and individualized attention for each client. I am passionate about empowering others through financial education, helping them navigate their financial journeys and make informed decisions. Raised with strong moral foundations and a sense of community, I am dedicated to doing what's right for my clients, always placing their best interests first. Let's work together to craft a financial strategy that aligns with your goals and values, embarking on a journey toward financial success.

Disclosure

John Ermer Sr is an agent licensed to sell insurance through New York Life Insurance Company and may be licensed with various other independent unaffiliated insurance companies in the states of FL, NJ, NY, TX, and WA. No insurance business may be conducted outside the states referenced.

John Ermer Sr is a Registered Representative of and offers securities products & services through NYLIFE Securities LLC, Member FINRA/SIPC, a licensed insurance agency, and a wholly-owned subsidiary of New York Life Insurance Company, 7900 Harbor Island Dr Apt 713, North Bay Village, FL, 33141. In this regard, this communication is strictly intended for individuals residing in the states of CA, FL, NY, and WA. No offers may be made or accepted from any resident outside the specific states referenced.

John Ermer Sr is also a Financial Adviser with Eagle Strategies LLC, a Registered Investment Adviser, and a wholly-owned subsidiary of New York Life Insurance Company, offering advisory services in the states of CA, FL, NY, and WA. As such, these services are strictly intended for individuals residing in the states referenced.

Martha Michelle Nave is an agent licensed to sell insurance through New York Life Insurance Company and may be licensed with various other independent unaffiliated insurance companies in the states of FL, NV, VA, TN, and OH. No insurance business may be conducted outside the states referenced.

Martha Michelle Nave is a Registered Representative of and offers securities products & services through NYLIFE Securities LLC, Member FINRA/SIPC, a licensed insurance agency, and a wholly-owned subsidiary of New York Life Insurance Company, 1300 Concord Terrace, 5th Floor, Sunrise, FL, 33323. In this regard, this communication is strictly intended for individuals residing in the states of CA, FL, TN, and OH. No offers may be made or accepted from any resident outside the specific states referenced.

ERMER & ASSOCIATES, INC. is not owned or operated by NYLIFE Securities LLC or its affiliates.

Neither ERMER & ASSOCIATES, INC. nor its associates are in the business of offering tax, legal, or accounting advice. Please consult your own tax, legal, or accounting professional before making any decisions.

Your California Privacy Choices