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About
Ermlick Retirement Planning
At Ermlick Retirement Planning, we specialize in designing and implementing personalized retirement solutions that guarantee income to last through your retirement. Our goal is to empower those in or nearing retirement to take control of their financial futures. We are committed to guiding our clients through the intricacies of retirement income planning, protection, and wealth preservation strategies.
Ermlick Retirement Planning is a proud partner of Cornerstone Senior Services and First Advisors National. Together with our partners, we simplify the complex task of retirement planning and provide our clients with straightforward strategies. We assure you that we will always be open with you and prioritize your best interests. Ermlick Retirement Planning is here to help every step of the way.
Ermlick Retirement Planning
Meet The Team
Dave Ermlick
Founder / CEO
For Dave Ermlick, helping clients secure their future is the most rewarding part of being a financial planner.
“Being able to help my clients preserve their wealth, expand upon it, and create a legacy is the greatest feeling I could ever have. I love everything about what I do.”
David Ermlick
Founder / CEO
Dave is the Director of Investments and Financial Planning for Cornerstone Senior Services, as well as the Senior Vice President of First Advisors National. He has been in the financial services industry for over 29 years, with a specific emphasis in retirement and estate planning.
He is a graduate of the College of William and Mary in Williamsburg, Virginia, with degrees in economics and music. As an Investment Advisory Representative and Securities Registered Principal, he acts as a Fiduciary. He is also certified by the American College as a Special Needs Planner and by the Corporation for Long-Term Care.
Prior to his role at Cornerstone, Dave was Vice President of one of the largest independent marketers of long-term care insurance in America, Long Term Preferred Care. He specializes in helping federal employees understand their government benefits and plan for their retirement. Based out of the National Science Foundation in Alexandria, he conducts workshops and seminars and holds private consultations with FERS and CSRS employees.
Dave lives in Centreville, Virginia with his wife, Annie, and has two children, Heidi and Billy, as well as two grandchildren, Hunter and Parker. Ask him about his family tree sometime! For over 30 years, he has been a proud member of the Barbershop Harmony Society. He holds three International Gold medals for singing with the Alexandria Harmonizers, a barbershop chorus.
Annie Ermlick
Financial Services Professional, Investment Advisory Representative
Annie is proud of her association with Cornerstone Senior Services as a financial services professional and FAN Advisors as an Investment Advisory Representative. She focuses her practice on helping people with the unique financial issues they face around retirement.
“My goal is to help people with the products and services that enhance their lives. I find that every person has different needs, goals, and objectives, and I make it my duty to play the matchmaker.”
Annie has been active in both community and professional theater in the D.C. area and is a dedicated member of the Harbor City Music Company Show Chorus, a Sweet Adelines International Barbershop Chorus. She lives in Centreville with her husband, Dave, and has two children and two grandchildren.
Heidi Brown
Client Services Specialist
Heidi Brown is a high school social studies teacher from Northern Virginia.
She is a proud graduate of James Madison University, where she earned both her B.A. in history and political science and her Master’s degree in teaching secondary education and gifted education in 2013.
Heidi’s dedication to the field of education is matched by her enthusiasm for the performing arts. She is an active member of both a traditional Bavarian dance and music group and a mixed Barbershop Harmony quartet, where she sings competitively.
Heidi enjoys spending time with her husband and their two boys and three dogs. Balancing her professional commitments and family life, she finds joy in creating lasting memories with her loved ones.
Learn More About
Our Financial Solutions
Retirement Income Planning
- Maximize Social Security Benefits
- Maximize Pension Benefits
- Guaranteed Lifetime Income Options
Investment Advisory Services
- Fiduciary Services
- Risk Management
- Continuous Monitoring
Legacy And Estate Planning
- Estate Planning
- Insurance Products
- Wills and Living Trusts
Medicare Plans
- Enrollment Guidance
- Coverage Analysis
- Cost Optimization
- Annual Review
Long-Term Care Insurance
- Coverage Options
- Asset Protection
- Customized Planning
Life Insurance
- Financial Protection
- Risk Mitigation
- Estate Planning
Register For
Our Upcoming Events
Stay informed about today’s economic climate and learn more about retirement options by joining us at one of our financial workshops hosted by AFES Qualified Presenter, Dave Ermlick.
Why AFES? CLICK HERE to understand why we’ve partnered with them and how you can maximize your Social Security.
Call today or click on a date below to get started in reserving your seat for one of our upcoming events.
UPCOMING EVENTS
Events in January–February 2025
- There are no events scheduled during these dates.
UPCOMING Webinars
Events in January–February 2025
- There are no events scheduled during these dates.
Download Our Guides
Navigating Medicare and Medigap Insurance
What To Know And How To Prepare
One of your largest retirement expenses could be your healthcare costs. An average 65-year-old couple retiring today will need an estimated $315,000 to cover their healthcare costs, according to one study.1 Unfortunately, the Medicare system can be quite complex. This leads too many retirees to overspend on healthcare expenses and receive suboptimal coverage over the span of their retirement. Don’t pay more than you should for the health services and coverage you deserve!
(1) https://www.cnbc.com/select/how-much-expect-to-spend-on-medical-expenses-in-retirement/
Optimizing Social Security
In Today’s World
Social Security planning is one of the most important elements in any retirement plan, but getting the most from your Social Security benefit can also feel complex and frustrating. In our guide, “Optimizing Your Social Security in Today’s World,” you’ll uncover practical tips and easy-to-understand steps to get the most out of your Social Security benefits.
Important Birthdays
Over 50
Now the real fun begins! Before you begin planning your retirement, be sure to mark these important dates in your calendar. Starting at age 50, several birthdays – including “half-birthdays” – are critical to strategize for as they have crucial implications for your retirement future.
START READING TODAY!
START READING TODAY!
START READING TODAY!
Maximizing Social Security
Browse Our Blog
What Retirees Should Know About Tariffs
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As a new administration weighs its stance on tariffs, it’s worth considering how these policies may affect retirees and their [...]
Recent Tax Changes Boost 529 Plan Benefits
Becca Mack2024-12-09T15:47:48+00:00December 9th, 2024|
529 plans, the popular tax-advantaged savings accounts for education expenses, have become even more attractive in recent years thanks to [...]
Important Updates to Social Security in 2025
Becca Mack2024-11-25T13:15:13+00:00November 25th, 2024|
As we approach 2025, the Social Security Administration (SSA) has announced several important changes to the program that will affect [...]
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Let’s Talk Annuities
Maximizing Social Security
Contact Us
Our experienced team is ready to help you customize a plan to fit your specific retirement needs. We can help you guarantee income for life, minimize risks, and leave behind a lasting legacy for your loved ones. If you would like to schedule a complimentary, no-obligation consultation or second opinion review, please contact us today.
Serving VA, MD, D.C., and Licensed in Most States
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It’s your retirement. You should have control over it.
Contact us today to schedule an introductory meeting!