Welcome to STG Solutions

About STG Solutions

Planning Futures

We have years of experience helping clients prepare for the future while still meeting their financial goals. We excel at:

  • Medicare - Social Security Benefits
  • Having Long Term Care protection  w/o the expensive premiums and passing the Health Exam
  • Retirement Planning Analysis and Action Plans
  • Fixed/Fixed Index Annuities - laddering Income Riders
  • Using Life Insurance for Key Man Insurance and Business Succession Planning

As an independent firm, we can access many different carriers/brokers so you can get the right solutions and services for you.

Comprehensive Approach

We use only the highest rated Insurance carriers and primarily serve clients who have a low risk tolerance, yet desire more diversification in both products and ways to invest for the future.  And you can count on unbiased recommendations and impartial guidance based directly on your personal needs and goals, and not some salespersons monthly sales quota!

Committed to Service

Every successful retirement strategy starts with an excellent client relationship. Our mission and values include helping families find viable options to Sustain, Thrive and Grow their financial resources.  We pride ourselves on exceeding our client’s every expectation. Call today to find out how we can suggest long and short-term strategies that will help you realize your financial dreams.

Why STG Solutions?

S K Golinske

Susan is a graduate of Lawrence Technological University, majoring in Business Administration .  Her career has included over 20+ years in various managerial Sales and Marketing positions within Ford Motor Company.   She elected an early retirement from the Automotive Industry, and is licensed/certified in Life Insurance Consulting with the State of Michigan.  She is also a Certified 6 Sigma Quality Methodology Blackbelt, and has developed key relationships with several local experts to serve her clients better, i.e., CPA's, Elder Law Attorneys, and Mortgage and Real Estate Professionals.   

Who are Susan's Business Partners?

Susan works with a Financial and  Insurance Marketing Organization, Megastar Advisors, located in Tarpoon Springs, Florida, (owners rank in the Nation's top 1% of Producers).  Her Broker is located in Urbandale, Iowa and is an US independent family-owned organization called Brokers International.  

What Insurance Carriers is she affiliated with?

Only the best - A or A+ Rated in 90% of cases, with names you recognize and can trust!  Allianz, American Equity, Americo, Athene, Blue Cross/Blue Shield, Equitrust, Thrivent Financial, Fidelity and Guaranty, Guggenheim, Gerber, Medico, Priority Health, LSW/National Life Group, Liberty Bankers, Lincoln Financial, North American, Security Benefit, National Western Life, and the list goes on and on.......

Contact Us

Drop us a line!

Better yet, let's meet in person!

We respect our clients busy schedules, and strive to always meet during the hours that work best for you; we also use technology to minimize the need for multiple meetings, and to streamline processing times.  

STG Solutions

(248) 231-1925

Hours

Mon

9:30 am – 5:30 pm

Tue

9:30 am – 5:30 pm

Wed

9:30 am – 3:00 pm

Thu

9:30 am – 5:30 pm

Fri

By Appointment

Sat

By Appointment

Sun

Closed

Other News

Things to think about......

It is surprising how many people don't know how much their monthly expenses are.  How can we properly plan for retirement without knowing this number?  Another eye opener is realizing that the Government is a key partner who will get a percentage of the current dollar amount in your 401-K, SEP or Traditional IRA.  If taxes go up, so does their percentage - be prepared!

CPA Seminar - Free CPE credits

Coming up soon - Wednesday, October 25 - Registration 7:30AM, Meeting 8:00AM - Noon, located at the Embassy Suites Detroit Livonia Novi, 19525 Victor Parkway, Livonia MI 48162 - Call Maria Tetrev at 866 250.9157 for reservations - "The Fundamentals of Annuities and Life Insurance PlannIng for the CPA" 

Client Testimonials

"Susan is a true confidant.  We can count on her always going above and beyond when it comes to knowing which products meet our needs."   J Westberry - White Lake, MI


"Susan takes great pride in delivering excellent customer service. "     T. Smith - Shelby Twp, MI


"Susan knows her stuff - and makes the complicated world of understanding annuities very uncomplicated."   C. Vanderson - Tampa, FL

What's on my mind?

I love to learn, and I love to educate my clients.  This makes them more confident in their financial decisions, and in recommending me to a family member or friend.  I will often BLOG on a subject you may find interesting......

What is new in the Insurance Market?

The products change constantly, the interest rates and caps adjust each month, and sometimes it is challenging to keep abreast of all the new developments.  This month we look at .......Allianz Life Pro+ and how it competes against North American, LSW and Voya Indexed Universal Life:


Most Frequently Asked Questions:

Do you charge a fee?  Yes, an hourly rate based on work performed.  I also earn a commission if we put products in place; however, the hourly fee is waived if recommended products are  purchased.

Do you act in the role of fiduciary with your clients?  Yes, as a certified insurance consultant, it is my primary responsibility and intention to always act in the best interests of the client first.

How do I know what my Financial Advisor's fees are, and if they are reasonable?  Great question - Let's chat!

What's the difference between a Medicare Advantage Plan and a Medicare Supplement?  Primary difference is a Supplement plan gives you many more choices - you can choose which doctor, which hospital, and where you want your care to be given at.   I believe Advantage Plans quickly become "disadvantage plans" when you get really sick, and consequently, do not sell or recommend them."