Michael W. Lauterbach

About Michael W. Lauterbach

Most sophisticated investors I know are bright, ambitious and advised by highly educated wealth managers. Yet they often fall back on traditional 60/30/10 asset allocation models in their retirement plans. Many have been counseled against whole life insurance by conflicted financial advisors (who don’t get paid for selling insurance) and in so doing overlook the impact and flexibility that life insurance can offer as a savings vehicle, an estate planning tool and a veritable Swiss army knife of an investment solution.In case you’re wondering, I purchased my own whole life insurance policy from Northwestern Mutual 25 years ago (long before taking a job here) and I’m committed to helping other investors realize the same value I did.For over three decades, I have been deeply immersed in the financial markets. I started at JP Morgan at 23 Wall St, moved three doors down to Goldman at 85 Broad and continued to build a career serving huge institutional investors like PIMCO, BlackRock, Western Asset, Guggenheim, Dodge and Cox. I specialized in analyzing all types of bonds and derivatives and helping clients flourish through good times and bad. I slogged through the Crash of 87, the Russian Debt Crisis of 1998, the Dot-Com Bust, the Great Financial Crisis and the COVID Pandemic. Those unforgettable events reinforced to me what Warren Buffet always said, “It’s only when the tide goes out that you realize who’s swimming with no clothes.”Now I bring that same analytical lens to individuals, families and pre-retirees. I focus on introducing seasoned investors to compelling insurance solutions that yield more than investment-grade bonds on an after-tax basis but carry higher credit ratings and, realistically speaking, no downside risk.(According to the ratings agencies, the risk of Northwestern Mutual defaulting is slightly LESS than the U.S. Treasury defaulting).What’s more, these insurance solutions come with a cash value component which you may always access, an ever-increasing death benefit and offer long-term care benefits for a small additional premium. Hence, a Swiss Army Knife!If you are a thoughtful parent, family decision maker or analytical pre-retiree who appreciates straight talk, clear explanations, rigorous logic and thoughtful guidance, let’s explore whether these strategies may fit your needs. Kindly book an appointment and together we will walk through your options.https://bit.ly/Michael_Lauterbach Michael W.

Experience

1. Financial Representative

   Northwestern Mutual

   Aug 2025 — Present · Charlotte, NC, US

   Helping clients achieve their financial goals through comprehensive planning and risk management.

Education

• University of Chicago

  Bachelor of Arts, Economics

Skills

• Valuation
• Sales
• Customer Service
• Series 24
• Equities
• Fixed Income
• Securities
• Investments
• Public Speaking
• Customer Relationship Management (Crm)
• Alternative Investments
• Bonds
• Bloomberg
• Portfolio Management
• Structured Products
• Asset Management
• Product Marketing
• Sales Presentations
• Business Development
• Management
• Finance
• Team Leadership
• Derivatives
• Credit
• Marketing
• Interest Rate Derivatives
• High Yield Bonds
• Structured Finance
• Mutual Funds
• Risk Management
• Emerging Markets
• Proposal Writing
• Capital Markets
• Series 7
• Credit Derivatives
• Financial Markets
• Trading
• Investment Banking
• Crm
• Hedge Funds