Everguard Advisors
Trusted by over 10,000+ families
Your Financial Future, Thoughtfully Planned
We help individuals and families in Saint Louis, MO and nationwide protect what matters most and build lasting wealth through personalized insurance and financial strategies, transparent guidance, and a commitment to your long-term success.
Our Services
Financial & Insurance Solutions
From wealth building to retirement, we provide end-to-end financial guidance tailored to your unique situation. And we specialize in helping people and business owners eliminate risk, fees and taxes in the way they save money and how they park it.
Protection & Insurance strategies
Protect your income, family, and future with customized life insurance solutions, including mortgage protection, max funded indexed universal life , and living benefits designed to support you while you’re still alive.
Retirement Income Planning
Create predictable, tax-efficient income in retirement using a combination of annuities, market strategies, and structured income planning—so you never outlive your money.
Legacy & Estate Planning
Ensure your wealth transfers efficiently and according to your wishes with trust strategies, beneficiary planning, and tax aware estate solutions for the next generation.
Wealth & tax-Advantaged Growth
Grow your wealth with strategies that go beyond traditional accounts, including Max Funded IULs, Solo 401(k)s, and alternative investments—designed to maximize growth while minimizing taxes..
Michael B. Mushlin
Financial amd Retirement Strategist
About Us
financial & Insurance Services
Welcome to Everguard Advisors, where we take an education-first approach to financial planning. Based in Saint Louis, MO we help individuals and families simplify complex financial decisions and build a clear path toward retirement.
Most people are only shown traditional options like 401(k)s and market-based accounts. Our approach is different. We bring multiple strategies to the table—including insurance-based solutions, tax-advantaged planning, and retirement income strategies—so you’re not relying on just one piece of the puzzle. We help you eliminate the 3 biggest "leaks" to building financial wealth: market risk, fees, and taxes.
Whether your goal is to protect your family, eliminate debt, grow your wealth, or create reliable income in retirement, we design a personalized game plan built around your goals and your timeline.
We proudly serve Saint Louis, MO and clients nationwide, helping families create more certainty and confidence in their financial future.
FAQ's
frequently asked questions
Explore our faqs or reach out to understand how our solutions work.
What does a retirement & financial strategist actually do?
We help you build a complete financial gameplan—combining protection, tax strategies, retirement income, and wealth-building tools so every dollar has a purpose.
What happens on a discovery call?
We’ll learn about your current situation, goals, and concerns—then determine if it makes sense to move forward with a personalized strategy.
What types of strategies do you offer?
We offer a range of strategies including mortgage protection, income protection, tax-advantaged solutions like IULs, annuities for retirement income, debt elimination strategies, and alternative investments like private lending.
How are you different from a traditional financial advisor?
Most advisors focus only on the market. We take an education-first approach and incorporate insurance, tax strategies, and alternative investments for a more complete plan.
How do you get paid?
We are compensated by the financial institutions we partner with when you implement a strategy. There is typically no direct fee for our services.
Can you help if I already have a 401(k), IRA?
Absolutely. Most clients already have accounts or coverage in place—we help review what you have, identify any gaps, and show you how to optimize everything into a more complete strategy.
build a secure financial future
Get clear, personalized guidance to help you grow, protect, and plan your wealth at every stage of life.
Everguard Advisors
Everguard Advisors helps individuals, families and business owners protect, grow, and preserve wealth through personalized financial and insurance strategies.
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Copyright 2026. Michael Mushlin. All rights reserved.