Protect What Matters Most
Personalized risk management strategies to protect your income, family, business, retirement & legacy.
Partners
Chris Zerafa
Founder, Zerafa Financial
Zerafa Financial is a financial services business focused on risk management and specializing in Infinite Banking.
We work independently, not tied to any single company, so every recommendation is built around what's actually best for you.
Chris is passionate about financial education, and works to make sure every client fully understands the strategy before putting a single dollar in place.
Outside of work, you'll find Chris fishing on Lake St. Clair, attending mass and spending time with wife & family. He is a devout Catholic. The foundation of Zerafa Financial is built on Jesus Christ and all of our work is to glorify Him!
How We Can Help
Zerafa Financial is a financial services firm focused on risk management and specializing in Infinite Banking. We help protect your income, family, business, retirement, and legacy through personalized risk management strategies.
✓ Infinite Banking
This is our "bread & butter" and what we specialize in. Infinite Banking uses specially designed, high cash value whole life insurance to help you protect your family, increase liquidity and gain more control over your capital.
Who it's for: Successful real estate professionals and business owners who want to increase liquidity and control over their money.
What it does: Helps you build a private pool of money that YOU control. It's like having your "own bank." You can access money from it whenever you want, use it however you like, and pay the money back whenever you want (or not at all).
✓ Personal and Family Protection
Personal insurance strategies help protect your income, family, and financial future from life's unexpected events.
Term Life Insurance
Who it's for: Individuals and families needing affordable protection for a specific period or financial responsibility.
What it does: Provides an income tax free death benefit that can help replace income, pay debts, cover a mortgage, and support your family's future.
Permanent Life Insurance
Solutions: Whole Life, Universal Life, Indexed Universal Life, Survivorship Life
Who it's for: Those who want lifelong protection rather than coverage for a limited period.
What it does: Provides permanent coverage and may offer cash value accumulation, depending on the policy.
✓ Business Risk Management
Protect your company, ownership interests, key people, employees, and ability to continue operating when unexpected events occur.
Key Person Life Insurance
Solutions: Term or permanent life insurance
Who it's for: Businesses that depend heavily on an owner, executive, or essential employee.
What it does: Provides an income tax free lump sum of cash to help offset lost revenue, recruit a replacement, cover obligations, and maintain operations after the death of a key person.
Buy-Sell Agreement Funding
Solutions: Life insurance funding coordinated with a properly drafted buy-sell agreement
Who it's for: Businesses with multiple owners that need a clear plan for transferring ownership.
What it does: Creates instant liquidity to help purchase an owner's interest after death and protect the business, remaining owners, and the deceased owner's family.
Executive Bonus Plans
Who it's for: Businesses that want to recruit, reward, and retain key employees or executives.
What it does: Provides valuable benefits that encourage loyalty and help key people prepare for their financial future.
Business Succession and Continuity Planning
Who it's for: Owners preparing for retirement, a leadership transition, or an unexpected event.
What it does: Establishes a plan to preserve business operations, ownership, value, and the owner's legacy.
Owner and Employee Benefits
Solutions: Life insurance, retirement plans, and supplemental employee benefits
Who it's for: Businesses that want benefits designed around the needs of their owners and employees.
What it does: Helps protect your team while improving employee recruitment, retention, and financial well being.
✓ Retirement and Legacy Planning
Create dependable retirement income, protect accumulated assets, and transfer wealth according to your wishes.
Annuities and Retirement Income
Solutions: Fixed, fixed-indexed, single premium immediate, multi year guaranteed, deferred income annuity
Who it's for: Individuals who want greater predictability and protection from outliving their retirement income.
What it does: Creates a dependable income strategy designed to help cover expenses throughout retirement.
LIRP (Life Insurance Retirement Plan)
Solutions: Properly structured whole life insurance for maximum cash value
Who it's for: Individuals who want life insurance protection and an additional source of retirement income.
What it does: Builds cash value that can be accessed tax free to help supplement retirement income.
Defined Benefit Plans
Solutions: Cash balance plans
Who it's for: High income business owners looking for major tax deductions and who want to accelerate retirement savings.
What it does: Allows significantly larger tax deductible contributions than traditional retirement plans while building a guaranteed income stream (personal pension).
Estate Liquidity and Wealth Transfer
Solutions: Whole Life, Indexed Universal Life, Survivorship Life
Who it's for: Individuals and families who want to preserve and transfer wealth to future generations.
What it does: Creates liquidity for estate taxes, helps equalize inheritances, and supports an efficient transfer of wealth.
✓ Advanced Planning
Through our network of strategic partners, we help facilitate advanced insurance, tax, trust, estate, and wealth planning strategies tailored to your unique situation.
We coordinate directly with your CPA, attorney, and other trusted professionals so your existing advisors remain at the center of the planning process.
A Simple, Straightforward Process
Listen
We start with an initial consultation to understand your goals and current financial picture.
Strategize
We build a plan customized to your specific situation. No cookie cutter recommendations.
Implement & Review
We put the plan in place and check in regularly to keep it aligned with your life.
Now There's a Catholic Life Insurance Option
One of the questions we've heard most is: "Do you have any Catholic life insurance options?" For a long time, our answer was no. That's changed.
Zerafa Financial has recently partnered with the Catholic Order of Foresters, a Catholic nonprofit organization that offers life insurance options aligned with Catholic values and USCCB guidelines.
Their products are among the most competitive we've seen, and provide an excellent alternative for Catholics looking to work with an organization rooted in their faith.
- Catholic nonprofit organization
- Products aligned with Catholic values and USCCB guidelines
- Highly competitive rates and coverage
- An organization rooted in the Catholic faith
Schedule a Consultation
Let's discuss your goals and determine which financial strategies may be right for you.
Reach out or book time directly on the calendar.