Michael Cozier - Northwestern Mutual

Michael Cozier - Northwestern Mutual

As a Financial Advisor affiliated with Northwestern Mutual, Michael has a passion for helping individuals, families, and business prioritize and attain their financial goals. While Michael enjoys working with many different segments of professionals, he has a particular expertise and knowledge within the Small Business, Finance, New Family, and Education markets. While he is diversified in his knowledge base, his practice focuses on financial planning strategies for high income earners, whose group benefits often do not protect their income adequately nor give them the opportunity to save enough tax effectively.


What You Can Do Now to Jump-start Your Financial Resolutions

If you’ve got big financial resolutions for 2020, let’s talk about how I can help you with them.

northwesternmutual.com You don’t have to wait until January to start working on your financial resolutions. Here are practical steps you can take now to help you reach your financial goals next year.


What Is Gender Lens Investing?

You can invest for growth in a way that also aligns with your principles. We can talk more if you’re interested.

northwesternmutual.com Gender lens investing has pulled in more than $1 billion in funds from investors, but what is gender lens investing, and how does it work?


What You Can Do Now to Avoid Holiday Overspending

Overspending during the holidays doesn’t have to be the norm. These tips can help.

northwesternmutual.com Unfortunately, many people go into debt over the holidays. But there are ways to keep your budget under control and avoid holiday overspending — these 4 tips can help.


How My Finances Changed After Marriage

Marriage is a major life milestone for you, your partner and your finances.

northwesternmutual.com From feeling more secure to making budgeting simpler, here’s how my finances changed after marriage – for the better.


How to Find and Claim Your Missing Money

Are you owed money? Here’s how to find it.

northwesternmutual.com Roughly $58 billion in unclaimed assets are floating around in the U.S. Here’s how to find and claim your missing money or assets.


Test Your Credit Score Knowledge With This Quiz

Think you’re a credit expert? Take this quiz to test your credit score knowledge.

northwesternmutual.com Think you’re a credit expert? Take this quiz to test your credit score knowledge.


6 Things to Buy in November — And 4 You Should Skip

Being a savvy shopper will help you stick to your holiday plan.

northwesternmutual.com With Black Friday falling later in the month this year, retailers are getting a jump on the holiday season with big sales — but not every deal is worth your money. Here are 6 things to buy in November as you prepare your holiday shopping list.


Should You Get Life Insurance Through Your Employer?

If you’re on the fence about your employer’s offerings, let’s meet and work out a protection plan that suits your needs.

northwesternmutual.com Getting life insurance through your employer is convenient, but it may not always be the best option. So, should you get life insurance through your employer? Here are a few things to consider.


5 Ways to Improve Your Finances in November

The holidays are hectic, but if you have some spare time in the coming weeks these financial moves can set you up for success.

northwesternmutual.com In between shopping and holiday gatherings, see if you can carve out some time to improve your finances in November.

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Looking forward to the next 5 years of my personal and financial future. Where do you see yourself?💭
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How to Maximize Your Savings With DRIP

Here’s why a dividend reinvestment program (DRIP) can be a powerful tool for long-term investors.

northwesternmutual.com It’s one strategy that helps you reap the potential benefits of compound interest and dollar-cost averaging. Here’s how to maximize your savings with DRIP. 


These are the 9 Financial Things You Should Do Every Year

These are quick and easy, and they can make a big difference for your money.

northwesternmutual.com Just like a yearly physical, or maintenance on your car, you need to check in on your finances regularly. This yearly financial checklist can help keep your finances on track.


4 Fall Vacation Ideas for Families That You Might Not Have Considered, But Should

These are some great suggestions for a fall getaway.

northwesternmutual.com Fall is a great time for a family getaway that won’t break the bank. If you’re looking to enjoy a little time off before the holidays, here are 4 great fall vacation ideas for families.


How to Decide If You Want to Accept a Job Offer

Accepting a job that’s not the right fit could cost you in the long run. Ask these questions before you say “yes.”

northwesternmutual.com Getting a job offer is exciting, but it’s important to hit pause to make sure the new role is a good fit. Here's how to decide if you want to accept a job offer.


What Every Homebuyer Should Ask a Home Inspector

It’s important to be thorough about this key part of the homebuying process.

northwesternmutual.com A home-inspection contingency should be included in your contract if you’re buying a home. But you also need to know how to interpret your report. Here are 10 questions to ask your home inspector.


Why I’m Starting a Baby Savings Fund

If a baby is in your future, let’s talk about your financial plan.

northwesternmutual.com The cost of having a baby can be staggering. A baby savings fund can help easy some of the financial pain during the first year, letting you focus on baby smiles. Here’s how one couple is starting to save.


5 Inexpensive Ways to Learn In-Demand Tech Skills

Certain skills are in such high demand that major companies are offering comprehensive courses for little to no cost.

northwesternmutual.com No matter the industry, technology is changing the way we do business, but you don’t need to enroll in college courses to keep up. Here are five ways to learn in-demand tech skills for free.


The No-Stress Guide to Getting Out of Debt

A third of Americans‘ incomes goes toward debt. These simple steps can help you get rid of yours.

northwesternmutual.com Simple changes you can make now will get this moving.


Is Whole Life Insurance a Good Investment?

While it’s not an investment in the traditional sense, it can add a lot of value to your financial plan.

northwesternmutual.com Is whole life insurance a good investment? Technically, it isn’t an investment, but it can add value to your financial plan - find out how.


Your Guide to Understanding and Filling Out the FAFSA

It’s important to discuss the cost of college with your family — and look for resources that can help you cover them.

northwesternmutual.com An important read for parents and college-bound students alike.


What to Buy in October — And What to Skip

Look for deals on both small and big-ticket items this month.

northwesternmutual.com Look for deals on both small and big-ticket items this month. Here's what to buy and what to skip in October.


5 Ways to Improve Your Finances in October

There are a couple important financial deadlines in October.

northwesternmutual.com In addition to important deadlines, October is also a great time to perform some end-of-year financial maintenance. Here are five ways to improve your finances in October.


How an Inheritance Is Taxed

Let’s talk about ways to make your financial plan tax efficient.

northwesternmutual.com If you’re preparing to leave a legacy, or if you think you stand to inherit money, it can be natural to wonder how an inheritance is taxed. Here are some of the rules.


Tips to Find a Nanny Share That Works for You

If you’re wondering how to fit child care into your financial plan, let’s talk.

northwesternmutual.com Nanny shares can help decrease child care costs, but there are several factors to consider. Here are tips to find a nanny share that works for you, and what you need to know to set up your family for success.


5 Financial Questions to Cover with Your Aging Parents

You’ll need the answers to these questions someday. The sooner you ask, the better.

northwesternmutual.com As your parents reach retirement age, the time might be right to talk about their financial situation. Here’s how to talk to aging parents about finances.


How Permanent Life Insurance Works When You Retire

From weathering market downturns to helping you be more tax efficient, it can do a lot. #LifeInsuranceAwarenessMonth

northwesternmutual.com While it may seem like your need for life insurance diminishes in retirement, the opposite is actually true. Here’s how to use permanent life insurance in retirement.


Here’s What to Do When Your Salary Hits 6 Figures

If you’re looking to put your bigger paycheck to good use, let’s talk.

northwesternmutual.com Making six figures means having more money to put toward financial goals. Here’s some finance tips for young adults to learn how to manage that extra cash wisely. 


Here’s What to Know About Getting Your Home Appraised

Essential info if you're thinking of buying a home.

northwesternmutual.com When you buy a new home, you’ll need to get it appraised. Here are five common myths about home appraisals that could throw you off-track.


4 Essential Lifestyle Factors That Can Help You Prepare for Retirement

Let’s talk through how you can make the retirement of your dreams a reality.

northwesternmutual.com Your financial plan is important when planning for retirement. But to fully enjoy your next chapter, consider these 4 essential lifestyle factors that can help you prepare for retirement.


Irrevocable Life Insurance Trusts: What You Need to Know

Here’s how life insurance can play a valuable role in your estate planning. #LifeInsuranceAwarenessMonth

northwesternmutual.com An irrevocable life insurance trust can help you minimize taxes and maximize control over what happens to the money you leave behind for your loved ones. Here’s how an ILIT can help you reach your financial goals.


6 Things New Moms Should Splurge On

Moms say these were worth every penny.

northwesternmutual.com Having a baby can leave new moms without much time to themselves. Here are six things that could be worth splurging on, from grocery delivery to self-care for new moms, to help new parents stay sane.


Financial Moves You Should Make for Your Baby

These are some smart moves to consider.

northwesternmutual.com Having a child significantly changes your budget, but there are some financial moves to make for your new baby, as well. Make these moves to set your child up for future financial success.


Is Grad School Worth It? Questions to Ask Yourself Before Applying

If getting an advanced degree is one of your goals, let’s talk.

northwesternmutual.com Advanced degrees often come with hefty price tags. These 3 questions can help you determine if grad school is worth it.


10 Money-Saving Parent Hacks for Back-to-School Season

Back-to-school season doesn’t have to be a drain on your wallet.

northwesternmutual.com Looking for ways to save on back-to-school shopping, sports activities and more? Parents share their favorite hacks for saving money during back-to-school season.


What Baby Gear to Buy New, What to Buy Used and What You Can Skip

What’s really worth it, according to the experts.

northwesternmutual.com As if being a new parent wasn’t overwhelming — and expensive — enough, the baby gear suggestions can be never-ending. Here’s what to buy new, what is safe if it’s used and what you can skip.


5 Ways to Raise Non-Materialistic Kids

Because “keeping up with the Joneses” isn’t just for adults.

northwesternmutual.com Keeping up with the Joneses is not something only adults do. Here are 5 parenting tips on how to raise non-materialistic kids.


How to Build a Solid Business Succession Plan

We help business owners with this all the time. Can we help you?

northwesternmutual.com Planning for your exit can be vital to your business’ continued success. Here’s how to build a business succession plan.


7 Ways to Catch Up on Retirement Savings

These tricks can help you supercharge your savings.

northwesternmutual.com f you, like many Americans, are playing catch-up on retirement savings, you’ve got some secret weapons. Your dream retirement may simply require a tweak to your strategy and these simple, but powerful, techniques.


8 Garage Sale Apps to Help Maximize Your Profits

These apps are changing the garage sale game.

northwesternmutual.com A handful of mobile apps are making it easier to throw a profitable garage sale. Make sure your smartphone is loaded up with these nine apps to list, sell and maximize your garage sale success.


6 Things You Should Buy in August — And 3 to Skip

Back-to-school season means markdowns across a wide variety of items, including things for home and office.

northwesternmutual.com It's that time of year, when stores are stocked to help you wrap up summer vacation and launch you back into your daily grind. Here are six things you should buy in August — and three you can skip.


5 Ways to Improve Your Finances in August

August is a great time to rest, reset — and prep for the busy school year.

northwesternmutual.com As we enter the closing act of summer, it’s time to start prepping for the school year and perhaps lay plans for fall and winter projects around the house – especially as interest rates fall. Here are five ways to improve your finances in August.


401(k) vs. IRA: How Should I Save for Retirement?

Get in touch if you’d like to learn more about how saving for retirement fits into your financial plan.

northwesternmutual.com When it comes to the “how should I save for retirement?” question, you’ve got options. We’ve laid out the basics of 401(k) plans and IRAs to highlight the key differences, plus the pros and cons of each, so you can decide which method of saving is best for you.


How This Retiree Is Passing Along an Important Family Legacy

This is a great example of how the financial planning we can help you with can give you the confidence to spend your life living.

northwesternmutual.com This is a great example of how the financial planning we can help you with can give you the confidence to spend your life living.

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400 Broadhollow Road, STE200
Melville, NY
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