01
Investment Planning
Tailored strategies engineered for your goals, timeline and risk tolerance — no guesswork, just structure.
Engineered analysis · Safer decisions
Built to win. Designed to never fall.
Grow with market-linked upside while your principal is shielded from index losses — with every trade-off explained before you decide.
Free · No obligation · Takes 20 seconds
You'll speak with Ali Elhadi Financial Strategist · Independent · Cadillac, MI
$532M+Assets under guidance
500+Clients served
98%Client retention
10+Years of experience
Our trusted carrier partners
Our core strategy
Indexed strategies:
Indexed strategies:
growth without direct market risk
Your contract is not invested directly in the index. The insurer credits interest based on index movement, within limits the contract sets — and in a year the index falls, zero is credited instead of a loss.
See how it works- 1Floor protection — 0% index floor Your account is not credited less than 0% in a year the index falls. Fees, riders and withdrawals can still reduce value.
- 2Market-linked growth Interest linked to the S&P 500, subject to caps and participation rates.
- 3Tax-deferred accumulation Growth is tax-deferred. Withdrawals of gain are taxed as ordinary income, and before 59½ may carry a 10% penalty.
- 4Optional lifetime income Some contracts offer income riders designed to pay for life. Riders generally carry an annual fee.
Comprehensive advisory
Everything you need to grow & protect
Safety and growth — you no longer have to choose.
02
Tax Strategies & Optimization
Planning that legally reduces your tax burden today and in retirement. We work alongside your tax professional.
03
Retirement Income
Reliable income streams engineered for retirement — knowing where your money comes from every month.
04
Asset Preservation
Guard your wealth against volatility, inflation and unexpected life events with tested preservation strategies.
05
Wealth Management
Ongoing management that grows and protects your wealth, with a dedicated team by your side.
06
Free Consultations
No pressure — an honest conversation about your financial future and the strategies that get you there.
Simple process
Get started in 3 easy steps
We're here to help you feel confident and in control of your financial future.
01
Connect
We get to know you and you get to know us. Tell us your story and we'll show you how we work.
02
Strategize
As an independent firm we maximize your options — tailored to your goals, timeline and peace of mind.
03
Implement
We put your plan in motion and evolve it as life changes — your strategy always fits your reality.
“The top concern we have is helping you make informed decisions about all things 401(k) and retirement — so you can live the future you've worked hard for.”
Ali Elhadi · The Safe Investing Engineer, Cadillac, MI
Our people
Your team of experts
Guiding you toward your financial potential with unwavering commitment.
Ali Elhadi
Founder
Dayan Zorkot
Account Executive
Rami Jaber
Director of Client Services
Moe Sbeity
Administrative Assistant
Straight answers
Questions people ask before they call
Plain English, including the parts most ads leave out.
What is a fixed indexed annuity?
A fixed indexed annuity is an insurance contract. Your money is not invested directly in the stock market. The insurer credits interest based on the movement of an index such as the S&P 500, subject to a cap or participation rate. In a year the index falls, the contract is credited 0% rather than a negative return. Fees, optional riders and early withdrawals can still reduce your value, and surrender charges usually apply in the early years.
Can I lose money in a fixed indexed annuity?
You will not lose value purely because the index went down, because the contract has a 0% floor. You can still lose value through surrender charges if you withdraw early, through optional rider fees, and through inflation eroding purchasing power. Guarantees depend on the claims-paying ability of the issuing insurer.
What should I do with a 401(k) from an old job?
You generally have four options: leave it with the former employer, roll it into your new employer's plan, roll it into an IRA, or cash it out — usually the most costly. The right answer depends on the fees in each plan, the investment options, your timeline to retirement and how much of that money you may need before then. Cashing out before age 59½ typically triggers income tax and a 10% penalty.
How much do I need saved to retire?
There is no single number. What matters is the gap between the reliable income you will have — Social Security, any pension, annuity income — and what you actually plan to spend. Two people with identical balances can have very different outcomes depending on when they retire, how their money is positioned, and what the market does in the first few years of retirement.
What does working with The Safe Investing Engineer cost?
The initial consultation and our retirement guides are free. We are an independent practice and are compensated by the insurance carrier when a client chooses to place a contract, so you do not pay us a separate planning fee for that work.
Which areas do you serve?
We are based at 305 N. Mitchell St. in Cadillac, Michigan, and work with clients across Michigan — including Traverse City, Grand Rapids, Big Rapids, Mount Pleasant and the Detroit metro area — as well as clients in other states where we are licensed. Meetings can be held in person, by phone or by video.
Free resource
Get the free retirement guide
Straight answers on protecting what you've saved — written for people within ten years of retirement, not for advisors.
- ✓What a 0% floor really protects — and what it does not
- ✓The three things to check before moving an old 401(k)
- ✓How caps and participation rates change your real return
- ✓A short call with Ali to look at your own numbers — only if you want one
Send me the guide
No cost. No obligation.