Certified Financial Planner
Innovative Financial Concepts, LLC


Michael entered the insurance industry in 1981 working for the Home Life Insurance Company. He learned from the ground up, how the insurance industry operates doing policy analysis, and comparative analysis .  Michael obtained his CFP designation in 1983 and also holds Series 6,63,65 licenses.   He also holds life and  health licenses and  is a licensed Life Settlement broker.  

His focus for over the past 30 years has been planning for the closely held business and their owners. Michael offers high level expertise in advanced underwriting large and problem life and health  cases,  also offering expertise in qualified retirement and non-qualified deferred compensation plans, custom designing client specific programs. 

He has also functioned in a support role as broker for other producers assisting in case development and product placement when sharing a case isn't necessary.

Michael graduated from Plymouth State College with a Bachelor of Science degree.  He is  a member of the advisory board for NY Pet I care, a pet rescue and adoption agency and is on the Advisory Board of the New Jersey Broadcasters Association.





Michael S. Welger, CFP
Innovative Financial Concepts, LLC
31 Schanck Road | Suite D
Freehold, NJ 07728

Phone:  732.974.0620
Fax:      732.974.1109
Cell:      917.863.7774
email:   mwelger@cpasllc.com

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Michael Welger is a Registered Representative of and offers securities through SA Stone Wealth Management Inc., Member FINRA & SIPC. Cornerstone Professional Advisor Services is not affiliated with SA Stone Wealth Management Inc.. Securities activities are supervised by SA Stone Wealth Management Inc. Licensed as a Registered Representative in NY, NJ & FL.