Garlikov & Associates, Inc., specializes in developing innovative and strategic financial solutions for highly successful entrepreneurs, families, and businesses. We use our expertise to help our clients make informed decisions based on the appropriate criteria for each unique situation and financial goal.

Recognized as "the professionals' professional," we design, implement, administer, and monitor product performance of customized programs to meet client goals utilizing tax-advantaged life insurance as a liquidity tool.

Innovative, cost effective solutions that meet client specific needs are developed by an experienced staff of business, tax, and insurance industry specialists who know industry issues and stay abreast of constantly changing government regulations so they can respond quickly to the ever changing environment.

Garlikov & Associates, Inc. is the first central Ohio Member Firm of the nationally recognized M Financial Group. Since our partnership began with M Financial in 1981, our clients have received privileged access to nationally recognized experts, proprietary products, research and technology, all of which complement our highly professional staff.

Garlikov & Associates, Inc. provides client access and exceptional service on which you can count.

The Garlikov Companies, Insurance

GARLIKOV & ASSOCIATES, INC. and their agents are presently licensed to sell traditional life insurance in AZ, CA, CO, DE, FL, GA, ID, IL, IN, KY, LA, MA, MI, MN, MO, NC, NJ, NY, OH, OR, PA, TN, VA, WI and WV. Insurance services are limited to residents of the above listed states. *Licenses to other states can be acquired with advance notice

Variable life and annuity products, and/or other securities products, may be sold in AZ, CA, CO, FL, GA, ID, IL, IN, KS, , MA, MI, MN, MO, NC, NJ, NY, OH, , PA, SC, , VA, WA, WI and WV. Securities services are limited to residents of the above listed states. *Licenses to other states can be acquired with advance notice

Proper state registration is mandatory prior to conducting business in any state.

Securities offered through M Holdings Securities, Inc., a registered broker dealer, member FINRA / SIPC. Check the background of this Firm and/or investment professional on FINRA's BrokerCheck.
Investment Advisory Services offered through GARLIKOV ADVISORS, INC.

GARLIKOV & ASSOCIATES, INC. is owned and operated independently from M Holdings Securities, Inc. GARLIKOV & ASSOCIATES, INC. is a member of M Financial Group. Please go to and click on "Disclosure Statement" at the bottom of the home page for further details regarding this relationship.