Financial Protection Consultants offers long-term care and retirement planning services. We feel privileged that we are allowed to help so many great people. Many of our clients are referred to us from other clients, other financial advisers and insurance agents, our newsletters and educational seminars. We are proud of our performance and history of helping our clients by making their needs our #1 priority. We believe our success comes from our educational approach and an attitude that our clients are family. We help every person, family and company based on individual need. Although we offer annuities, life, long-term care and disability insurance strategies… we do not sell products! We provide solutions. Once you meet us, you will understand why our clients love us. Schedule a complimentary, no-obligation appointment to see for yourself.





Mark Michelson, CLTC, is an independent Platinum-Level Insurance Agent licensed in the states of Missouri & Illinois. He serves as Principal of Financial Protection, a wholly owned subsidiary of Professional Sales Consultants Inc. (PSC). Mark founded PSC in 1980 and now serves as President and CEO. He is a member of the prestigious Million Dollar Round Table and the National Ethics Association.

Mark is known for his in-depth knowledge and educational approach. He is very good at taking complex issues and making them understandable. He can assess your needs and identify customized solutions which include safety, control and clarity. Mark identifies customized strategies that will protect your savings and income to achieve retirement independence. His expertise comes from more than 30 years’ experience with designing strategies to help preserve assets and income to help ensure you will not out-live your savings.

Mark is active in charitable, industry and community organizations. He began his insurance career after his former wife of more than 20 years suffered from dementia at an early age. Mark learned first-hand about life’s unplanned challenges as the illness destroyed his family. Mark was raised in St. Louis, attended the Parkway School District and earned a B.S. in Business Administration/Management. He is a sports enthusiast, enjoys cooking, meeting great people and resides in St. Louis County with his (new) wife Emily, and daughters Hannah and Sarah (and Belle, “8 pounds of love”).

Mark’s Professional, Civic & Charitable Affiliations

Strategic Partner

BRIAN K. WOLFE, President, Independent Living Financial LLCBrian Head Shot

Independent Living Financial, Inc., is an independent insurance and financial services firm offering superior solutions specific to the needs of it’s clients. The firm identifies the needs of clients first, provides a personal level of service and provides thoughtful consultations with best-of-class solutions. Independent Living Financial, Inc. takes pride in building its’ strong reputation.

Brian has almost 20 years of experience in the insurance and financial services industry. He is a Chartered Financial Counselor (ChFC), a Chartered Life Underwriter (CLU) and holds specific designations for long term care insurance (CLTC) and senior issues (CASL®*). In addition to serving his personal clients, Brian has trained agents throughout the United States. He has served on the NAIFA board and led the young advisors counsel. Brian has been married to Jamie since 2003 and they have three children Brittany, Parker and Jack. Brian enjoys volunteering in his church and coaching youth sports.

DENNY REED, Licensed Insurance Agent

Denny Reed is a licensed insurance agent in the states of Missouri, Illinois, Arizona & California. He is a passionate speaker and educator of retirement planning and hosts “Safe Money & Income” radio show  on The BIG 550 KTRS. Denny works across the United States sharing his expertise to help people secure safe retirements. He is a graduate of Missouri State University and now studies at the American College of Financial Services where he is a participant in the Retirement Income Certified Professional program. He is certified in Social Security Maximization strategies and Long-Term Care; and a member of S.O.F.A. (Society of Financial Awareness).

Denny is a former Chief Operating Officer for a Fortune 500 division where his integrity and leadership qualities helped guide others to success. He is passionate about helping people achieve a great retirement and teaches concepts based on protection strategies and guaranteed streams of income.

Denny enjoys playing tennis, golf and traveling with his wife, Janine.

Call (314) 414-1400 or CLICK HERE


Financial Protection Consultants recommends that you contact your State insurance regulator to check out every agent, producer and insurance carrier before making any purchase decision. State regulators exist to protect consumers. Quality financial service providers, such as FPC, are proud of their record of educating and servicing their clients.

Missouri Dept. of Insurance  (573) 751-3518  Agent/Agency Search

Illinois Dept. of Insurance  (217) 782-4515  Consumer Info