Derek Nelson is the founder of AEM Insurance Group, author & creator of the Retirement Risk Pentagon™ — a planning philosophy built around identifying and addressing the five major risks that can derail retirement: Market Risk Inflation Risk Tax Risk Longevity Risk Long-Term Care Risk Derek works with individuals, families, and retirees who want more than accumulation alone. His mission is to help clients build retirement strategies focused on protection, income, and long-term stability — not just chasing returns. Through a combination of life insurance, annuities, retirement income planning, and asset protection strategies, Derek helps clients create plans designed to withstand uncertainty while providing greater confidence for the future. His approach emphasizes education first, helping clients understand how different financial tools work together to protect both their lifestyle and legacy. At AEM Insurance Group, the focus is simple: help clients reduce unnecessary retirement risk, create reliable income, and protect the assets they have spent a lifetime building. Derek is a New York native and currently lives in Florida with his wife and three children. He enjoys sunsets, nature, and being with his family. Derek is also trains in martial arts and currently holds a purple belt in BJJ.