Helping Families Protect Their Health, Wealth & Future.
Independent guidance to help you make confident insurance decisions — from Medicare and health insurance to long-term care and life insurance.
- Medicare
- Health Insurance
- Long-Term Care Planning
- Life Insurance
"Erica made Medicare surprisingly easy."
How We Help
Independent guidance for the coverage decisions that protect your family.
Medicare Guidance
Turning 65 or already enrolled? We walk you through Advantage, Supplement, and Part D so you understand the trade-offs before you decide.
Learn moreHealth Insurance Planning
Individual, family, ACA, and small business coverage — chosen around your doctors, prescriptions, and budget, not a pitch.
Learn moreLong-Term Care Planning
Preparing families for future care needs long before a crisis — so decisions are made with clarity, not urgency.
Learn moreLife Insurance Guidance
Thoughtful protection for the people who depend on you — term, whole, and final expense, explained in plain language.
Learn moreHow it works
Let's get to know you
We'll learn about your goals, doctors, prescriptions, and budget.
Compare your best options
We'll explain the trade-offs and compare plans from leading insurance carriers.
Choose with confidence
We'll help with enrollment and continue supporting you year after year.
Why Families Choose Financial Insurance Group
We're a small, local team that believes families deserve real guidance — not a sales pitch dressed up as advice. Our approach is simple: educate first, recommend second, and stick around long after the paperwork is signed.
Independent guidance
We work for you, not for one carrier. That means we can compare options honestly and recommend what actually fits your household.
Education before recommendations
We take the time to explain how each option works — the strengths, the trade-offs, and the fine print — so you can decide with confidence.
Options made understandable
Medicare, ACA, long-term care, and life insurance can feel overwhelming. We translate the jargon into plain English and answer every question.
Long-term relationships
Most of our clients stay with us for years. We're here for renewals, life changes, and the questions that come up long after enrollment.
A real advisor behind every decision.
Erica M. Smith, CFP®, founded Financial Insurance Group of the Palm Beaches to give families the kind of guidance she wished more advisors offered — patient, personal, and rooted in real financial planning. With 13+ years of experience, she leads a small team of licensed brokers who treat every client like a neighbor.
What our clients say
Real reviews from Palm Beaches neighbors and families we've helped over the years.
"Erica is the only person I would trust with handling my financial future! Extremely knowledgeable, her customer service is unparalleled. She treats you like family and goes the extra mile."
"Erica and Peter have provided my family with all our insurance needs for the past three years. Excellent service, professionalism, and quick responses. I recommend them to anyone."
"I've been working with Erica for about 8 years and I never want to work with anyone else. My entire family works with her — she knows everything about health insurance and always finds the best plan."
"From the first day I met her, Erica was professional, knowledgeable and personable. She found me the best deal on insurance and always goes above and beyond. Highly recommend!"
"Erica is the absolute gold standard! Kind, compassionate, and wholly professional — she constructed a plan that exceeded all our expectations. You will NOT regret giving her a call."
"I have been working with Financial Insurance Group of the Palm Beaches for 3 years and I highly recommend them. Always responsive and patient — I can't imagine going anywhere else."
Beyond Insurance
Insurance is one important piece of protecting your family — but it's rarely the whole picture. These are the resources we've built to help families think through the bigger conversations: caregiving, aging parents, retirement, and the plans every household should have in place before a crisis.
The Midlife Squeeze Podcast
Educational storytelling featuring real families navigating caregiving, aging parents, retirement, and the financial decisions that come with those life transitions.
Listen nowThe Family Money Plan
A complete family planning system — finances, important documents, caregiving wishes, and the conversations to have while there's still time to have them.
Explore FAMOArticles & Guides
Plain-English explainers on insurance, Medicare, money, and the conversations families put off.
Read moreInsurance protects your finances. A family plan protects everything else.
The Family Money Plan is a step-by-step system that helps families get organized and aligned before a crisis — so when life shifts, everyone knows the plan and what to do next.
Frequently Asked Questions
Quick answers to the questions we hear most. Still curious? Reach out and we'll walk you through it.
Not sure where to start?
Get a no-pressure quote in minutes. We'll walk you through your options and answer every question — even the ones you don't know to ask yet.