A road trip needs a map.
Retirement needs a plan.
At Protected Journey Advisors, we help you plan the bigger journey — preparing for the expected, the unexpected, and the retirement you've always dreamed of.
Two decades guiding individuals and families through every milestone of their financial journey.
Independent broker — we compare top-rated carriers to find your best fit at the best price.
The compass was invented before the clock, because the direction you are headed is more important than the time it took to get there.
A clear plan changes everything.
We help individuals and families turn financial uncertainty into lasting security — so you can spend less time worrying and more time living.
Explore Our Process
Who We Are
At Protected Journey Advisors, we believe financial confidence is built by design. Your Financial Roadmap is our simple framework to help individuals and families move from financial uncertainty to lasting security and generational impact — one intentional step at a time.
Four intentional steps. One clear path. Built around what matters most to you.
From Uncertainty to Lasting Security
A clear, proven pathway that protects today, builds tomorrow, and leaves a legacy.
Protect What Matters Most
Life and health insurance as a financial safety net, safeguarding your family and lifestyle.
Building Your Foundation
Eliminate debt and plan for final expenses to reduce stress and create a solid wealth base.
Invest in Your Future
With the foundation in place, we focus on growth — retirement, wealth building, and education planning. Your money works for you so you can enjoy today while securing tomorrow.
Create Your Legacy
The final step is leaving something that lasts. Through legacy and estate planning, your wealth and values pass smoothly to the next generation — everything you've built, preserved.
Hi, I'm Mike Ferguson.
When I started helping my sons navigate the transition into adulthood, one question kept coming back to me: how many other families need this conversation and don't know where to turn? That's why I founded Protected Journey Advisors. My belief is simple — everyone deserves a clear plan and an advisor who actually shows up. As an independent broker, I work for you, not a carrier.
Whether you're protecting a young family, navigating Medicare, or building a legacy, my job is to translate the complexity into a roadmap that fits your life — one intentional step at a time.
Protect What Matters Most
Life and health insurance as a financial safety net, safeguarding your family and lifestyle.
LEARN MORE ABOUT PROTECT WHAT MATTERS MOSTLife Insurance
Term Life
Affordable, straightforward coverage for a set period — perfect for protecting your family during your highest-need years.
Whole Life
Lifetime protection with guaranteed cash value growth that builds equity while protecting your loved ones.
Indexed Universal Whole Life
Permanent coverage with cash value tied to market index performance — upside potential with downside protection.
Health Insurance
Marketplace (ACA) Plans
Qualified health plans with subsidies for eligible individuals and families, plus enrollment guidance.
Major Medical Plans
Comprehensive private coverage for routine care, specialists, prescriptions, and hospital stays.
Medicare
Original Medicare guidance plus Medicare Advantage and Part D prescription options.
Medicare Supplement
Medigap policies that cover copays, coinsurance, and deductibles Original Medicare leaves behind.
Building Your Foundation
Eliminate the roadblocks holding back your journey and create a solid wealth base.
LEARN MORE ABOUT BUILDING YOUR FOUNDATIONDebt Elimination
Eliminating debt is the fastest way to accelerate your retirement plan. We show you how to get around this roadblock and back on your journey to financial freedom.
Final Expense Planning
Cover funeral and end-of-life costs so your family is never blindsided by sudden expenses during an already difficult time.
Budgeting & Cash Flow
Build sustainable habits that turn monthly income into long-term wealth and free up dollars for what matters most.
Invest in Your Future
Strategies that make your money work for you — not the other way around.
LEARN MORE ABOUT INVEST IN YOUR FUTURERetirement Planning
Personalized strategies — 401(k), IRA, annuities — designed to make sure your retirement income outlives you.
Wealth Building
Diversified investment plans built to grow your money over time, so you can enjoy today while securing tomorrow.
Education Funding
529 plans and tax-smart strategies to fund the next generation's education without draining yours.
Create Your Legacy
Pass on more than wealth — pass on values, plans, and peace of mind for the next generation.
LEARN MORE ABOUT CREATE YOUR LEGACYWills
A clear, legally sound will so your wishes are honored and your loved ones are protected from confusion or conflict.
Trusts
Revocable and irrevocable trust structures to pass wealth efficiently, minimize taxes, and avoid probate.
Charitable Giving
Donor-advised funds and charitable trusts so your values live on through the causes and communities you love.
So what makes us different than other insurance brokers?
At Protected Journey Advisors you will experience what customer-focused service is every time you call, email, or stop by the office.
| Features & Services | Protected Journey Advisors | Captive Agent | 1-800 Brokers |
|---|---|---|---|
| Focused on your life's journey | |||
| Access to multiple companies with a wide range of products | |||
| Ability to transition from company to company with the same Agent | |||
| Objective and unbiased advice | — Only sells and supports their company | — Only sells and supports their company | |
| Claims assistance and advocacy | — Adjusters can favor one company | — No local claim help | |
| Help with your policy from the same agency you bought it from | — Sometimes | — After long hold times |
Your Financial Roadmap Worksheet
A 5-minute exercise to clarify where you are, where you want to go, and the next intentional step.
A 5-minute exercise to clarify where you are, where you want to go, and the next intentional step.
Map Your Financial Journey in 5 Minutes.
Share a few details so we can tailor your roadmap. You'll pick a time and answer a short intake — I'll review your answers and follow up personally.
START MY ROADMAPTakes about 5 minutes. No pressure, no obligation.
Frequently Asked Questions
Quick answers to the questions we hear most.
Plan Your Journey
Pick a time that works — we'll do the rest. No pressure, no obligation, just a real conversation about your goals.
Where do you want to go?
Join the individuals and families who trust Protected Journey Advisors to guide their financial journey.