Business Details
29 Years
experience
Your Trusted Bridge to Retirement Planning
Established in 1997, Bridgeside Insurance has served individuals and families in New York, New Jersey, and beyond for over 25 years. Our co-owners, Roy Kalmus and Michael Davis, bring decades of combined experience in retirement income planning and financial risk management. We specialize in Social Security exploration, lifetime income strategies, and legacy planning solutions tailored to each client's unique circumstances. As an independent agency, we maintain no exclusive ties to specific carriers, prioritizing client interests through unbiased recommendations. Our personalized approach, characterized by face-to-face consultations both in-office and at client homes, has earned us trusted status across multiple generations.With licenses spanning 14 states and new South Carolina operations launching in 2025, we remain committed to evolving with our clients' needs while maintaining core values of transparency and integrity. Our expertise includes fixed annuities for market protection, life insurance strategies for wealth preservation, and comprehensive assessments of retirement income gaps. Through educational resources, personalized planning, and strategic insurance solutions, we aim to be your reliable partner in navigating retirement complexities.
Services
Retirement Strategies
Social Security Exploration
Legacy Planning
Fixed Annuities
Life Insurance Solutions
Details
- Year established: 1997
Highlights and features
- We offer 30+ years of retirement planning experience with personalized strategies
- Our team maintains licenses across 14 states for expanded service capabilities
- We implement independent insurance brokerage practices with no carrier constraints
- Our legacy planning approach incorporates both financial and familial values
- We provide in-home consultations for client convenience and comfort
Services
Retirement Strategies
Develop customized retirement income plans addressing market volatility and longevity risks. Utilize 100% principal-guaranteed fixed annuities alongside life insurance solutions. Our approach considers Social Security optimization, healthcare costs, and legacy intentions for comprehensive financial security.
Social Security Exploration
Analyze Social Security statements to identify potential income gaps and optimize claiming strategies. Review spousal benefits, taxation implications, and coordination with other retirement income sources. Provide actionable recommendations while emphasizing the importance of accurate earnings records.
Legacy Planning
Design life insurance-based solutions for preserving family legacies and values. Address estate liquidity needs while considering emotional assets and financial objectives. Facilitate family discussions to ensure alignment between material assets and personal values in succession planning.
Fixed Annuities
Offer principal-guaranteed annuity products to protect retirement savings from stock market fluctuations. Explain accumulation options and guaranteed income streams through contractual obligations. Highlight the importance of insurance company financial strength in long-term income strategies.
Life Insurance Solutions
Provide death benefit coverage and cash value accumulation for retirement income supplementation. Address pre- and post-retirement needs through permanent life insurance policies. Emphasize the importance of health underwriting and policy customization for individual circumstances.
People
Roy Kalmus
Co-Owner
Graduated from City College of NY in 1974, with 40+ years in financial services. Specializes in tax-favored retirement planning and asset distribution strategies. Active in community service and classic car enthusiast.
Michael Davis
Co-Owner
Iona College graduate with 30+ years in retirement income planning. Focuses on identifying retirement risks and income gaps. Active family man with connections to local healthcare professionals through his daughter's career.
Questions
What retirement planning services do you offer?
We provide Social Security optimization, lifetime income strategies, legacy planning, and insurance-based solutions tailored to individual retirement needs.
How can you help with Social Security concerns?
We analyze Social Security statements, identify potential income gaps, and explore strategies to maximize benefits while considering taxation impacts.
Do you serve clients outside New York?
Yes, we're licensed in 14 states including New Jersey, Pennsylvania, Florida, and South Carolina, with both in-person and remote consultation options.
What makes your approach different from other planners?
Our personal, values-based approach combines market protection strategies with legacy considerations through independent insurance brokerage services.
What insurance products do you specialize in?
We focus on fixed annuities for principal protection and life insurance solutions for both death benefit coverage and cash value accumulation.
How can I schedule a retirement strategy consultation?
Contact us through our website or call 845-469-6750 to arrange a no-obligation review at your preferred location.
Reviews (2)
Theresa Kaczkowski
Jan 06, 2020
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Roy and Mike were professional and explained everything. I am very happy to do business with them and would highly recommend this company.
Danny
Dec 04, 2017
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Roy was very short could not really be bothered & made me feel un important I do not recommend them for your insurance needs
