Coastal Horizon
Edgewater Solutions

Clear Guidance

Oliver Ziman helps individuals, families, and business owners understand financial planning in a clear, pressure-free environment, so every decision feels informed, intentional, and aligned with your goals.

20+ Years Experience
100% Client-Centered
50+ Top A-Rated Carriers
Oliver Ziman with his wife and son on the beach
Oliver Ziman & Family

Protecting What Matters Most

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About Oliver

Real-life experience.
National leadership.

Born and raised in Santa Monica, Oliver Ziman learned early that success is rarely a straight line. After overcoming adversity in childhood, he built his life around resilience, discipline, family, and the belief that the right guidance can completely change a person's future.

Today, Oliver is a husband, proud father of a daughter and son, and an elite financial professional with more than two decades of experience. He leads a national agency while continuing to work closely with individuals, families, and business owners who want clearer answers, stronger protection, and greater confidence in retirement.

20+

Years Experience

100%

Zero Pressure

Meet Oliver (Full Bio) Explore Solutions
Oliver Ziman
✦

"A genuine passion for helping people."

Our Approach

Advice should feel clear, not complicated or pressured.

01

Integrity

Honest conversations, transparent explanations, and recommendations designed around your stated objectives.

02

Informative

Understand the purpose, benefits, limitations, costs, and tradeoffs before making a decision.

03

Trustworthy

A respectful, client-centered experience built to earn confidence over time, not force a quick transaction.

04

Reliable

Responsive communication, consistent follow-up, and support beyond the initial application or purchase.

05

Easy to Work With

A straightforward process with convenient virtual appointments and clear next steps.

06

Personalized

Solutions tailored to your family, business, retirement timeline, risk preferences, and priorities.

Our Core Expertise

Financial Solutions

Six specialized areas of guidance designed around your timeline, comfort level, and family legacy — completely pressure-free.

Financial Planning
Holistic Strategy

Financial Planning

Comprehensive roadmaps that align your savings, cash flow, and future vision into one clear, disciplined, and pressure-free roadmap.

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Life Insurance Planning
Family Protection

Life Insurance Planning

Safeguarding your loved ones with customized term, whole life, and indexed universal life (IUL) strategies featuring vital living benefits.

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Retirement Planning
Lifetime Income

Retirement Planning

Creating predictable income streams and market-protected annuities structured so you never outlive your wealth and retire with joy.

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Estate Planning
Generational Legacy

Estate Planning

Transferring wealth smoothly, minimizing probate delays and tax exposure, and securing multi-generational peace of mind for your family.

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Advance Planning for Business Owners
Executive Continuity

Advance Planning for Business Owners

Key-person indemnification, funded buy-sell agreements, executive bonus plans, and tax-smart succession strategies that protect company value.

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Tax Advantage Planning
Tax-Free Growth

Tax Advantage Planning

Leveraging IRS Section 7702 structures and cash value accumulation to generate compounding wealth and tax-free retirement distributions.

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Contracted Carriers
F&G ANNUITIES & LIFE A RATED ✦
NATIONAL LIFE GROUP A+ SUPERIOR ✦
NORTH AMERICAN A+ SUPERIOR ✦
ALLIANZ LIFE A+ SUPERIOR ✦
TRANSAMERICA A+ SUPERIOR ✦
SECURITY BENEFIT A- EXCELLENT ✦
FORESTERS FINANCIAL A RATED ✦
AMERICAN-AMICABLE A RATED ✦
50+ INDEPENDENT CARRIERS TOP TIER ✦
Direct Carrier Contracts

Institutional Carrier Portfolio

As an Independent Financial Services Agency, we give the power of choice back to the client! We have partnered with the Top A rated carriers to bring the best Insurance and Investment Options that the industry has to offer.

F&G Annuities & Life
Fixed Indexed Annuities & Life
AM Best: A
National Life Group
Living Benefits & IUL Specialist
AM Best: A+
North American
Sammons Financial Group
AM Best: A+
Allianz Life
Global Retirement Solutions
AM Best: A+
Transamerica
Life & Protection Since 1904
AM Best: A+
Security Benefit
Retirement & Income Planning
AM Best: A-
Foresters Financial
Fraternal Life & Family Wealth
AM Best: A
American-Amicable Group
Life & Heritage Protection
AM Best: A
✦ The Independent Difference

The Independent Agency Advantage

Contracted directly with 50+ leading A-rated national carriers. Unlike captive agents representing only a single company's products, we work directly and exclusively for you.

Fiduciary-Minded

Zero captive sales quotas. Recommendations crafted solely around your family's needs and objectives.

Complete Market Access

We shop the nation's premier top-rated carriers side-by-side to find your ideal rate, cash value, and living benefits.

Lifelong Advocacy

From initial policy placement through annual policy reviews and claims, we stand with your family for life.

Agency Growth & Leadership

Career Opportunities with Edgewater Solutions

Build a business you own, work on your terms, and make an extraordinary impact helping families improve their financial futures.

"Imagine building a business that gives you the flexibility to start part-time or go full-time, work remotely, and get paid up to 8 times a month—while creating something you can actually own."

This opportunity goes beyond simply earning another paycheck. It gives you the ability to build passive and residual income, develop valuable business skills, and create something with long-term potential for you and your family.

You’ll receive ongoing financial education, leadership training, and professional development while building a career centered around one of the most rewarding things you can do—helping people improve their financial futures.

Financial services has created countless high-income and seven-figure professionals and entrepreneurs, and your growth potential is directly connected to your willingness to learn, serve, lead, and take action.

If you’re looking for flexibility, ownership, personal growth, financial opportunity, and the ability to make a meaningful impact, this could be the opportunity you’ve been looking for.

✦

Part-Time or Full-Time Flexibility

Launch around your current schedule with the freedom to scale into full-time entrepreneurship at your own pace.

✦

Paid Up to 8 Times a Month

Enjoy frequent, direct compensation cycles with no corporate glass ceilings on your income potential.

✦

Remote Freedom & Nationwide Reach

Work remotely from anywhere with digital tools, virtual consultations, and nationwide agency infrastructure.

✦

Passive & Residual Wealth

Build true business equity with renewable residual income that creates long-term security for you and your family.

✦

Ongoing Mentorship & Licensing

Receive dedicated leadership development, financial education, and step-by-step professional training from day one.

Agency Standards & Culture

LEADERSHIP SETS THE STANDARD.
CULTURE CREATES THE CHAMPIONS.

Because winning isn’t just about what you accomplish. It’s about who you develop, what you build, and the standard of excellence you refuse to compromise.

Oliver Ziman with Leaders at The DMD Agency Leadership Summit
Leadership Summit

The DMD Agency

Oliver with key field leaders advancing executive skillsets, leadership standards, and agency excellence.

Oliver Ziman with Shift Advisors
Business Collaboration

Shift Advisors

A powerhouse community of teammates collaborating, innovating, and winning together.

Oliver Ziman Partner Mentorship
1-on-1 Mentorship

Partner Collaboration

Hands-on guidance and executive coaching to unlock every teammate's full earning potential.

Oliver Ziman Nationwide Agency Gathering
Team Community

Nationwide Agency Family

Diverse, high-energy professionals celebrating milestones and building lasting impact.

Schedule an Interview
Process

From first conversation to confident action.

Schedule
01

Schedule

Choose a convenient time for your complimentary consultation.

Discover
02

Discover

Discuss your goals, concerns, current coverage, and retirement priorities.

Review
03

Review

Compare personalized options with clear explanations of benefits and tradeoffs.

Move Forward
04

Move Forward

Make a decision with total confidence, knowing you have the right strategy in place.

Testimonial Background
Client Stories

What They Say

  • "
    ★★★★★

    "Oliver took what is normally a very confusing and stressful process and made it incredibly simple. He genuinely listened to what our family needed without ever pushing an agenda."

    Family Client
    Family Client
    Life Insurance
  • "
    ★★★★★

    "As a business owner, I needed someone who understood complex succession planning. The Edgewater team laid out a strategy that finally gave me peace of mind about my company's future."

    Business Owner
    Business Owner
    Succession Planning
  • "
    ★★★★★

    "I feel so much more confident about my retirement income now. Oliver's educational approach meant I actually understood how my annuities worked before I made any commitments."

    Retiree
    Retiree
    Annuities
Family Lifestyle by the Pool
Peace of Mind & Freedom

Ready to Elevate Your Lifestyle?

Protect what matters most, build generational wealth with confidence, and enjoy the freedom of knowing your family's future is secure.

Contact Us
Connect

Let's Talk

Whether you're looking for clarity on your current coverage or want to explore new strategies, we are here to provide expert guidance and completely pressure-free advice.