Financial Planning
The Credit Union has an alliance with Skylight Financial Group to offer members a trusted, local option for insurance and financial planning services.
Robert H Zirker III, CLU® CLTC ChFC® CEPA
FINANCIAL PLANNER
p: 419.531.6722 | toll free: 800.869.2646 | c: 419.261.9622 | f: 419.531.3222
7150 W. Central Ave., Suite 100, Toledo, OH 43617
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Rob has been with a general agency of Massachusetts Mutual Life Insurance Company (MassMutual) since 2000 and joined the Skylight Financial Group family in 2017 when the agency merged with the Toledo office. Rob is proud to be a second-generation advisor, expanding the insurance focused agency his father started to include retirement planning, investments, and business succession planning.
Rob uses a financial wellness approach, seeking first to understand clients’ needs, then to educate them on potential solutions, and finally to implement the solution that best fits their needs. Rob has been helping small businesses provide employee benefits and retirement plans for over 25 years. This includes solutions ranging from individual to group health plans, individual and group disability policies, and individual IRAs, 401k plans and deferred compensations plans.
Rob has been married for 30 years to Bernadine and they have three children. In their spare time they like to keep bees, chickens, and an expansive garden.
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Investment and/or insurance products offered: are not a bank or credit union deposit or obligation; are not FDIC or NCUA-insured; are not insured by any federal government agency; are not guaranteed by any bank or credit union; may go down in value. Local firms are sales offices of Massachusetts Mutual Life Insurance Company (MassMutual), Springfield, MA 01111-0001 and are not subsidiaries of MassMutual or its affiliated companies. Robert H. Zirker, III, CLU, CLTC, ChHC, CEPA is a registered representative of and offers securities and investment advisory services through MML Investors Services, LLC. Member SIPC. OSJ: 7150 W. Central Ave, Suite 100 Toledo, OH 43617. 419.893.9759. Robert Zirker is licensed to offer insurance and securities in: Colorado, Florida, Indiana, Michigan, North Carolina, and Ohio.
Health Care Professionals Federal Credit Union (HCPFCU) receives compensation from MML Investors Services (MMLIS) and its affiliates for referring clients to MMLIS and its representatives. MMLIS’s affiliates include Massachusetts Mutual Life Insurance Company (MassMutual), MML Bay State Life Insurance Company (MML Bay State), C.M. Life Insurance Company (CM Life) and MML Insurance Agency, LLC (MMLIA). As a result, HCPFCU has an incentive to refer clients to MMLIS and its representatives.
For the products and services offered through MMLIS, HCPFCU will receive up to 28% of the dealer concessions, commissions and advisory fees received by MMLIS. For products offered through MMLIA, HCPFCU will receive a percentage (which will be determined at the time of purchase) of the compensation paid to the MMLIS representative. For all products offered by MassMutual, MML Bay State and CM Life, HCPFCU will receive a percentage (which will be determined at the time of purchase) of the compensation paid to the MMLIS representative.
HCPFCU is not a subsidiary or affiliate of MML Investors Services and is not a current client.