Six pillars.
One conversation.
Zero gaps.
You worked too hard to run out of money. Janine Davis is the only advisor in Metro Detroit who covers health insurance at every stage — ACA marketplace plans, short-term coverage, Medicare, Social Security, home equity, guaranteed income, and estate planning — all in one free appointment.
The Six-Pillar Credential Stack
Medicare Coverage
Independent broker — all major carriers
Social Security Optimization
RSSA — Registered Social Security Analyst
Insurance Protection
Life, LTC hybrids, hospital indemnity & more
Home Equity Strategy
Licensed Mortgage Loan Officer
Guaranteed Lifetime Income
Fixed annuity specialist
Legacy & Estate Planning
FastWill Professional Partner
Most Detroit retirees have a gap nobody warned them about.
Social Security covers less than most people expect. Savings run out faster than they think. Medicare has gaps that surprise new enrollees every year. And most advisors only see one piece of the picture.
Janine Davis is the only advisor in Metro Detroit with credentials across all six pillars — so she can see every gap, close every one, and build a retirement plan that holds.
A Common Detroit Retirement Scenario
A fixed annuity — funded by savings or home equity — can close most or all of this gap with guaranteed lifetime income. This is a conversation most Detroit retirees have never had with a trusted advisor.
The Six Pillars of a Complete Retirement
No local competitor holds all six credentials. This is a regulatory moat built over 20 years — and it means Janine can have a retirement conversation that nobody else in Metro Detroit can.
Medicare Coverage
1.We compare every major carrier — Medicare Advantage, Medicare Supplement (Medigap), and Part D prescription plans — and enroll you in the plan that actually fits your doctors, your prescriptions, and your budget. Not the one with the best commercial.
Social Security Optimization
2.As a Registered Social Security Analyst (RSSA), Janine is one of the few advisors in Michigan legally authorized to provide Social Security timing optimization. Claiming at the wrong time can cost tens of thousands over a lifetime. We show you the math.
Insurance Protection
3.Three tiers of protection: life insurance with living benefits (pays while you're alive if critically ill), long-term care hybrid products (because a nursing home can cost $8,000/month), and gap-fillers like hospital indemnity and dental coverage that Medicare misses.
Home Equity Strategy
4.Detroit homeowners are sitting on equity most advisors completely ignore. As a licensed Mortgage Loan Officer, Janine can evaluate whether a reverse mortgage, refinancing, or home equity strategy belongs in your retirement plan — and execute it.
Guaranteed Lifetime Income
5.A fixed annuity converts your savings — or home equity — into guaranteed monthly income you cannot outlive, no matter what the market does or how long you live. This is the most powerful tool for closing the retirement income gap, and it's almost completely unmarketed to Detroit's working-class retirees.
Legacy & Estate Planning
6.Without a will, Michigan probate court decides what happens to your home — and it can take 12–18 months. Through our FastWill partnership, we help you create a state-specific will or trust online in about an hour, with remote notarization, so everything you built actually reaches your family.
Under-65 Health Insurance
Between jobs, retired early, or turning 65 soon — Lifestyle Safety finds and enrolls you in the right coverage for where you are right now.
Marketplace Plans
Janine compares all available carriers side-by-side and helps you claim every premium tax credit and cost-sharing reduction you qualify for. Using a broker costs you nothing.
Compare PlansGap Insurance
Fast, lower-cost coverage when you need something in place quickly. Not ACA-compliant and does not cover pre-existing conditions — best for healthy individuals in a defined transition.
Ask About OptionsThe Bridge to Medicare
Enrollment opens 3 months before your 65th birthday. Miss the window and Part B & Part D penalties are permanent. Janine coordinates your current coverage and Medicare transition together.
Plan My TransitionThe Detroit Six-Pillar Retirement Review
A free, 90-minute appointment that covers all six pillars in one conversation. No competitor in Metro Detroit offers this. It's the most comprehensive retirement review available — and it doesn't cost you a dollar.
Available by phone, video, or in-person at 19304 Wyoming St, Detroit
Medicare Plan Review & Gap Analysis
Is your current plan the right fit? We identify every gap and every cost you may not have known about.
Social Security Timing Optimization
The right claiming age can mean $50,000–$100,000+ more over your lifetime. We show you the numbers.
Insurance Protection Audit
Life insurance with living benefits, LTC exposure check, and gap-filler review — all three tiers in one conversation.
Home Equity Retirement Strategy
What is your equity? Could it be working harder for your retirement? We evaluate your options.
Income Gap Analysis & Annuity Options
We calculate your exact retirement income gap and show you what a fixed annuity would do to close it.
Legacy & Estate Planning Check
Do you have a current will? Are your beneficiary designations up to date? We close the final gap.
What Our Customers Are Saying
Detroit's own. Built from the ground up.
For over 20 years, Janine Davis has been helping Metro Detroit families navigate the most important financial decisions of their lives. She didn't build Lifestyle Safety in a suburb — she built it here, in this community, for the people she grew up with.
What makes Janine different isn't just experience. It's the depth of her credential stack. While most advisors specialize in one product or one narrow area, Janine spent years acquiring every license and certification needed to address a retirement from every angle.
The result is a conversation no other local advisor can offer:
- six pillars, one appointment, zero gaps.
- RSSA — Registered Social Security Analyst
- Licensed Independent Insurance Broker — Medicare & Supplemental
- Licensed Mortgage Loan Officer — Michigan
- Fixed Annuity Specialist
- FastWill Professional Partner — Wills & Trusts
- 20+ Years Serving Metro Detroit Families
"You worked too hard to run out of money. Let's make sure you never do."
— Janine Davis, Lifestyle Safety, LLC
Some of the Carriers We Work With
Your free Six-Pillar Retirement Review is one call away.
No pressure. No sales pitch. Just a comprehensive conversation about where you stand — and what it would take to retire with zero gaps.