Denise Kovach, Social Security Advisor
Denise Kovach
CFP®, AIF®, NSSA®, Certified Financial Group, Inc.
Professional Profile
Denise Kovach, CFP®, AIF®, NSSA®, is a highly respected financial professional with over 25 years of experience dedicated to enhancing the financial well-being of her clients. Based in Florida at Certified Financial Group, Inc., Denise provides comprehensive financial planning services that include retirement planning, investment strategies, social security optimization, distribution planning, insurance assessments, and survivor planning. As a Certified Financial Planner® and Accredited Investment Fiduciary®, she combines her expertise with a compassionate approach, making the investment landscape accessible and less daunting for her clients. Her philosophy centers around building personalized roadmaps to secure their financial futures and navigate life's various stages.
As a holder of the NSSA® designation in Social Security planning, Denise Kovach brings specialized knowledge of Social Security planning to every client relationship.
A Clearwater native, Denise earned her Bachelor of Science in Finance from the University of South Florida. She has demonstrated her commitment to the profession as a past President of the Financial Planning Association of Central Florida and actively participates in its national chapter. Denise shares her financial insights as a co-host of the “On the Money” program on News 96.5, and her expertise has been featured in prominent media outlets like the Orlando Sentinel and WESH Channel 2 News.
In addition to her professional pursuits, Denise enjoys traveling on her Harley Davidson and spending quality time with loved ones and their pets. Passionate about giving back, she contributes to charitable causes focused on ALS research, cancer support, and animal welfare. Denise holds additional licenses for Life and Health Insurance and Variable Annuities in Florida, reinforcing her ability to serve a diverse range of financial needs. Trust Denise Kovach to guide you toward financial security with her reliable advice and client-first approach.
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How an NSSA® Certified Advisor Will Help You
An NSSA® Certified Advisor provides the knowledge and expertise needed to maximize your Social Security benefits and help you achieve a secure retirement.
Avoid Costly Social Security Claiming Mistakes
Navigating Social Security rules can be complex, and even small mistakes can cost you thousands of dollars in lost benefits. An NSSA® Certified Advisor ensures you make informed decisions and avoid costly errors.
Holistic Retirement Planning
An NSSA® Advisor integrates your Social Security strategy with your overall retirement plan, ensuring your assets work together to meet your financial goals and a clearer path to a secure future.
Guidance You Won’t Get from the Social Security Office
The Social Security office provides information but doesn’t offer personalized advice or strategies. An NSSA® Certified Advisor delivers tailored solutions based on your unique circumstances and goals.