Retirement Planning with Protection and Purpose
Michael Masor, Certified Financial Fiduciary® and CEO of Clearwater Financial Group, helps families protect their life savings, create reliable retirement income, and move forward with confidence — without relying on “hope the market comes back.”
How Clearwater Helps Protect You
Protect What You’ve Built
Your retirement shouldn’t be at the mercy of the next market downturn. Michael designs plans that prioritize principal protection first, while still allowing for contract-defined growth instead of day-to-day stock market swings.
Income You Can Live On
Retirement is about turning savings into paychecks you can’t outlive. Clearwater helps you structure predictable income — from Social Security, protected income tools, and other resources — so monthly cash flow feels steady, not stressful.
Custom Strategy for Your Family
No two families are the same. Michael personally customizes plans for your goals, your timeline, and your comfort with risk, using a wide range of financial products to help protect millions of dollars in retirement assets.
Planning That Puts Your Family First
Michael’s goal is simple: give you peace of mind that your future is taken care of. As an independent advisor, he partners with multiple financial companies so he can focus on what fits you best — not what fits a quota.
He starts by asking what you want your retirement to accomplish, then walks you through your options in plain language. You’ll see how income, protection, and growth can work together in one coordinated plan.
Working with Michael Masor
Conversation
You share your goals, concerns, and current accounts — including what keeps you up at night about retirement, taxes, or market risk.
Custom Strategy
Michael designs a tailored protection and income strategy, comparing options from multiple companies to see what best fits your situation.
Implementation
Together, you choose the path forward. Clearwater handles the paperwork and details so you can move from uncertainty to clarity with as little stress as possible.
Ongoing Support
As life changes — kids, grandkids, health, or markets — Michael and the team are there to adjust your plan and help keep you on track.
Ready to See What Clearwater Could Do for You?
Whether you’re approaching retirement or already there, Michael can help you understand your options and build a plan designed to protect your lifestyle and your legacy.