Michael Mendes
Owner/President
Michael Mendes is a Chartered Financial Consultant (ChFC) and registered broker holding Series 7, 66, and 24 registrations, along with health and life insurance licenses. Since 2021 Michael has served as a financial advisor, building experience at Morgan Stanley and Bankers Life before founding Citadel Wealth to ensure that his clients have access to the best options available in the marketplace. Based locally in Weston with an office in Davie, he provides tailored investment, retirement, and insurance strategies that are focused on clear communication and long‑term relationships. Michael is absolutely dedicated to exceeding client expectations in every engagement. He lives in Weston with his wife, Tania Mendes, their three children, and adopted dog.
Limitations of Advice
Not associated with or endorsed by the Social Security Administration, Medicare or any other government agency. Fixed Annuities are long term insurance contracts and there is a surrender charge imposed generally during the first 5 to 7 years that you own the annuity contract. Indexed annuities are insurance contracts that, depending on the contract, may offer a guaranteed annual interest rate and some participation growth, if any, of a stock market index. Such contracts have substantial variation in terms, costs of guarantees and features and may cap participation or returns in significant ways. Investors are cautioned to carefully review an indexed annuity for its features, costs, risks, and how the variables are calculated. Any guarantees offered are backed by the financial strength of the insurance company. Surrender charges apply if not held to the end of the term. Withdrawals are taxed as ordinary income and, if taken prior to 59 ½, a 10% federal tax penalty.