We Work for You — Not an Insurance Company
Our clients aren't looking for a salesperson. They're looking for someone who will take the time to understand their situation, explain their options clearly, and help them make decisions they can feel confident in. That's the standard we hold ourselves to at Seniors Financial Solutions.
How Seniors Financial Solutions Came to Be
Chris Hajjar founded Seniors Financial Solutions after more than a decade working closely with retirees and pre-retirees across Metro Detroit. What began as a focus on Medicare guidance grew into something broader — because clients kept coming back with questions about Social Security, retirement income, estate planning, and long-term care. The need was clear: families deserved one trusted resource who could coordinate all of it.
Licensed since 2010, Chris built the agency on a straightforward premise: people deserve independent guidance that reflects their goals, not a carrier's product quota. Today, Seniors Financial Solutions operates as a fully independent agency with a team of four to five licensed advisors, serving clients in Farmington Hills, across Oakland, Macomb, Wayne, and Genesee Counties, and in licensed states including Nevada, Alabama, and Florida.
Chris is also a family man — and that perspective shapes every client relationship. He understands what's at stake when a family is planning for retirement, because he's navigating the same questions alongside his own.
Chris Hajjar
President, Seniors Financial Solutions
Christopher Hajjar is a credentialed Retirement Professional and CEO of Seniors Financial Solutions, a firm dedicated to helping retirees and pre-retirees achieve lasting financial security. Licensed since 2008, he has guided hundreds of individuals and families through the complex decisions that shape a confident retirement. He holds the Registered Social Security Analyst (RSSA), Financial Security Navigator (FSN), and American Medicare Disability Activist (AMDA) designations, and specializes in Medicare planning, long-term care strategy, Social Security optimization, and safe money solutions. Known for his education-first, compassionate approach, he takes the time to understand each client's goals and deliver clear, personalized roadmaps.
The youngest of nine children, Christopher was raised on the values of service, integrity, and care. He attended Brother Rice High School and studied at the University of Michigan, and now lives in Commerce Township, Michigan. Outside of work, he is a proud father of two, a devoted Detroit sports fan, and remains committed to helping people retire with dignity and peace of mind.
Scott Soares
Long-Term Care Expert
Scott Soares is an insurance and retirement planning professional with more than 34 years of experience in long-term care planning, insurance, and annuities. He partners with financial professionals to help individuals and families prepare for the financial and emotional challenges of extended care while protecting their retirement assets. Known for practical, client-focused strategies drawn from his background in insurance marketing, sales leadership, and advisor support, Scott helps clients safeguard their independence and financial security.
Cassie Graves
Federal Benefits Expert
Cassie Graves is a Federal Employee Benefits Specialist and Founder of Fed Options, where she helps financial professionals and their federal employee clients navigate government retirement and benefit programs. She specializes in coordinating benefits such as FERS, CSRS, FEGLI, and FEHB with retirement planning strategies. Passionate about education and advocacy, Cassie provides clear, practical guidance that helps federal employees avoid costly mistakes, maximize their earned benefits, and retire with confidence.
Kevin Cooper
Medicare & Insurance Professional
Kevin Cooper brings more than 18 years of experience in the Medicare and insurance industry, including an extensive career with Humana. During his tenure, Kevin served in several key roles, including Career Sales Associate, Medicare Sales Manager, and Traditional Insurance Products Sales Manager.
Kevin worked across both the Michigan and Iowa markets, gaining valuable experience in Medicare, insurance products, sales leadership, and helping agents and clients navigate their coverage options.
After accepting early retirement from Humana in April 2024, Kevin continues to bring his industry knowledge, leadership experience, and commitment to helping individuals make informed decisions about Medicare and retirement-related insurance solutions.
Heather Schreiber
Tax & Social Security Expert
Heather Schreiber, RICP®, NSSA®, IRMAA-CP™ is a nationally recognized retirement income specialist, educator, author, and President of HLS Retirement Consulting. With more than 30 years of experience, she specializes in Social Security optimization, tax-efficient retirement income strategies, Roth conversions, IRA distribution planning, IRMAA mitigation, legacy planning, and long-term care strategies. Heather partners with financial professionals nationwide, providing advanced case design and retirement planning expertise to help clients make more informed financial decisions. She is the co-editor and author of Heather Schreiber's Social Security Advisor, a companion to Ed Slott's IRA Advisor, and has been featured in The Wall Street Journal, AARP, USA Today, ThinkAdvisor, and Investor's Business Daily. Heather's education-first approach helps retirees navigate today's complex retirement landscape with greater clarity and confidence.
Independent Advice Means We Represent You
Seniors Financial Solutions holds no exclusive contracts with any single insurance carrier. When we recommend a product or a plan, we've evaluated the available options in the market and selected what fits your situation — not what a company is pushing us to sell.
That independence extends to how we structure our process. We begin every relationship with a conversation, not a pitch. We ask questions, review what you already have in place, and help you understand where the gaps are before any recommendations are made.
Credentials That Back Up Every Recommendation
Registered Social Security Analyst (RSSA)
The RSSA designation is one of the most rigorous credentials available in Social Security planning. It means Chris has completed advanced training in Social Security rules, filing strategies, spousal and survivor benefits, and the interaction between Social Security and other retirement income. For clients, it means every Social Security recommendation is grounded in analysis — not a guess.
Financial Security Navigator
This credential reflects training in comprehensive retirement planning, with an emphasis on coordinating income, insurance, and asset strategies across a client's full financial picture. A Financial Security Navigator is equipped to help clients move through retirement with a plan that accounts for the unexpected — not just the ideal scenario.
AMDA Disability Advocate
The AMDA Disability Advocate designation reflects specialized knowledge in disability and long-term care planning. This credential is particularly relevant for clients who want to plan for the possibility of a health event that limits their independence — and who want to understand their options before a crisis forces the decision.
A Direct, Personal Working Relationship
We believe financial success isn’t about timing the market—it’s about understanding it, preparing for it, and staying the course.
In every season (growth, challenge, or transition), Paul is there to help you navigate confidently and stay on solid ground.
Financial Planning Explained in Your Language
We serve clients in English, Arabic, and Spanish. For many families, financial planning involves concepts that are already complex — and navigating them in a second language adds an unnecessary barrier. Our multilingual team removes that barrier, so every client can ask questions, understand the answers, and make decisions with full clarity.
Education Before Everything Else
Our education-first approach isn't a tagline — it's the reason we run nonprofit workshops on Social Security and retirement taxation throughout Metro Detroit. These workshops are open to the public and carry no sales obligation. We offer them because we believe people make better decisions when they understand the landscape, and because the trust that comes from genuine education is worth more than any single transaction.
If you've attended one of our workshops, you already know what to expect from us. If you haven't, the same philosophy guides every client meeting.
Customer testimonials on Google
Ready to Meet With Us?
We serve pre-retirees and retirees across Metro Detroit and in licensed states nationwide. Whether you have a specific question or simply want to understand your options, we're here to help — at no cost and with no pressure.
Common Questions About Working With Seniors Financial Solutions
Who is Chris Hajjar, and what is Seniors Financial Solutions?
Chris Hajjar is the founder of Seniors Financial Solutions, an independent insurance and financial advisory agency based in Farmington Hills, Michigan. Licensed since 2010, Chris serves pre-retirees and retirees across Metro Detroit and in multiple licensed states, with a focus on retirement planning, Medicare, income planning, estate planning, and long-term care.
Is Seniors Financial Solutions an independent agency?
Yes. Seniors Financial Solutions is fully independent and not contracted exclusively with any single insurance carrier. That independence allows us to evaluate options across the market and recommend what fits each client's situation — without being influenced by carrier incentives or product quotas.
What does the RSSA credential mean for someone planning their retirement?
The Registered Social Security Analyst (RSSA) designation reflects advanced training in Social Security rules, filing strategies, and the interaction between Social Security and other retirement income sources. For clients, it means their Social Security decisions are guided by a credentialed analyst who understands how to maximize their benefit over time.
Does Seniors Financial Solutions serve non-English-speaking clients?
Yes. Our team provides financial planning services in English, Arabic, and Spanish. We work with multilingual households throughout Metro Detroit and in other licensed states.
What are the nonprofit Social Security workshops, and how do I attend?
Seniors Financial Solutions hosts nonprofit educational workshops on Social Security and retirement taxation for the public in Metro Detroit. These sessions carry no sales obligation — they exist to help attendees understand their options before making decisions. Contact us to learn about upcoming workshop dates.
