Plans that protect the people you love
Protect what you saved. Pass on what you built.
Independent retirement planning in Daytona Beach
Independent since 2010
An independent practice in Daytona Beach
Michelle Rocchio has been an independent insurance and retirement planning agent since 2010, focused on protected retirement income since 2020. Retirement income, trusts, and notary work are handled in our Daytona Beach office, and teaching comes before any product.
What we do
Services
Steady income, a legacy that reaches your family intact, and the trust and notary work to make it hold.
See the services →Plain answers
Guides
Straight answers on what probate costs, whether you need a trust, and how annuities actually work.
Read the guides →Free to attend
Seminars
Learn how income, trusts, and probate really work at a free session in our office. Nothing is sold there.
See upcoming dates →
Meet Michelle
Michelle Rocchio
Licensed Insurance & Retirement Planning Agent
When Michelle lost her father, she went through probate and saw what it costs a family when no one has planned ahead. Since then she has helped families around Daytona Beach get ahead of it: steady retirement income, a trust that keeps your estate out of court, and the paperwork to make it hold. Independent since 2010. No sales pressure, no shouting percentages, just a plan you understand.
In a client's words
Knowledgeable, and easy to work with
“Michelle was very knowledgeable and very easy to work with. She went through everything with me on my annuity and made me feel at ease. I will let friends know she is the one to use.”
Where are you now?
Planning looks different at every stage
Most families arrive at one of these three points. Wherever you are, the first conversation is the same: what do you have, and what are you trying to protect?
Setting things up
Often prompted by a parent's probate: a trust, clear beneficiaries, and nothing for your children to untangle.
Book a free consultation Nearing retirementFrom savings to income
Savings are built; now they have to last. Social Security timing, taxes, and how much risk you can live with.
Book a free consultation Already retiredKeeping the plan current
Making sure it still holds: beneficiaries up to date, care costs accounted for, and nothing quietly out of date.
Book a free consultation
How Michelle works
Two things you can count on
The goal is protection and peace of mind: a retirement you can enjoy without checking the market every morning. Getting there rests on two habits that never change.
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Education before anything else
Free seminars, plain explanations, and no product talk until you understand the problem it is meant to solve. If the answer is that you do not need anything, that is what you will hear.
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Handled in one place
Retirement income, trusts and probate avoidance, and notary work, including remote online notarization, are all handled in house, so you are not chasing three separate offices.
Free guide
Read this before you buy an annuity.
A plain-language guide to what annuities are, what they cost you in flexibility, and how to tell a good one from a bad one. Written for people who want the facts before the sales pitch.
- What an annuity is, and what it is not
- What you give up for guaranteed income
- Five questions to ask before you sign
- The most common annuity mistake
Free. Sent straight to your email.
Plain answers
Common questions, plainly answered
Short, honest answers with no product talk. If yours is not here, ask.
Is the first meeting really free?
Yes. There is no charge and no obligation. We look at what you have, talk about where the gaps are, and you decide whether to go further.
Do I need a trust, or is a will enough?
It depends on what you own and how you want it to pass. A will still goes through probate in Florida; a properly funded trust generally does not. It differs for everyone, so we talk it through first. More on estate planning and trusts, and on what probate actually costs.
Are annuities safe?
The honest answer is that it depends on the product and the company issuing it. Some are built to protect principal and pay steady income; others carry more risk. Any guarantee is only as strong as the insurance company behind it, and no annuity is insured by the FDIC or any government agency. We explain the trade-offs plainly before you decide anything.
Can Michelle draft my trust?
No. Michelle is not an attorney. Trust documents are drafted and reviewed by licensed attorneys through the home office we work with. Michelle helps you work out what you need, gathers what the attorneys require, and stays with the process until the documents are signed and funded.
Is Michelle a financial advisor?
No. Michelle is a licensed insurance and annuity professional, not a registered investment advisor and not an attorney. She does not give legal, tax, or investment advice. What she does is explain how retirement income products, trusts, and probate work, plainly, so you can decide with the facts in front of you.
Can you review an annuity or policy I already own?
Yes. Bring the contract or the latest statement. We go through what it pays, what it costs, and what happens to it when you die, so you know what you have before deciding whether to change anything.
Which areas do you serve?
The office is in downtown Daytona Beach and most families come from across Volusia County: Ormond Beach, Port Orange, South Daytona, Holly Hill, New Smyrna Beach, Edgewater, DeLand, Deltona, Orange City, and DeBary among them. Further out, we meet by video, travel to you when that is easier, and notarize documents online. See the full list of areas.
I am not in Daytona Beach. Can we still work together?
Usually, yes. Michelle is licensed in Florida, meets by video when that is easier, travels to clients, and can notarize documents online.
Do you offer remote online notarization?
Yes. Florida has allowed remote online notarization since 2020. You verify your identity over a secure video session, sign electronically, and the notary applies an electronic seal. It works anywhere in Florida and is useful when travel is difficult.
What we do
Four services, one office
Retirement income, legacy planning, living trusts, and notary work, all handled together in our Daytona Beach office.
