Michael Gerali

Michael Gerali, CLU, ChFC

Michael Gerali, CLU, ChFC is the founder of Bespoke Retirement Advisors and creator of the Efficient Wealth Systems™ framework — a seven-pillar approach to structural wealth planning for business owners and high-income households.

Based in Lakewood, Colorado, Michael works as an insurance-only broker specializing in the intersection of retirement income, tax strategy, and healthcare planning. His clients are business owners and pre-retirees who have built real wealth and need someone who understands not just how to grow it — but how to protect what they've already earned.

A personal health experience gave Michael a firsthand understanding of what it means to depend on systems you assumed would work — and to discover they work differently than you were told. That insight drives everything he does under the tagline: Protect What Is Still Healthy™.

Michael is the author of the Efficient Wealth™ book series and a sought-after resource for CPAs seeking a specialist partner for their most complex business-owner clients.