About Us |
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Ed Hochard | President
Born and raised in the Boston area, Ed moved to Central Florida in 1980 after graduating from college. After several years of engineering work, Ed entered the financial services industry in 1987. Within two years of employment at a Fortune 500 company, he earned the privilege to own and operate his own franchise in Central and South Florida. Throughout his career, he was not only ranked as the top franchise owner in the State, but also managed one of the most successful offices in the entire Southeastern United States.
In 2010, after 23 years operating the franchise and training over 1,000 representatives, it was time for a sabbatical. After a three-year break, it was then time to return to the financial services industry as an independent advisor: feeling now, more than ever, a need to help clients PROTECT, PRESERVE & GROW their net worth. Starting The Annuity Shop came to Ed when he realized how vital it was to help this great generation of Baby Boomers have a long and prosperous retirement. Ed has been a gym rat since high school and played semi-pro football for a short time. He loves golf, football, hiking, and just about anything outdoors. He has been married to his wife, Tena, for almost 40 years now; and is extremely proud of his family: two sons Chris and Kyle, a daughter-in-law Tina, and grandsons CJ & Tyson. 
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Heather Schreiber | Social Security Expert RICP ®Heather Schreiber, RICP®, founder of HLS Retirement Consulting, LLC, partners with financial, legal, and tax professionals to build holistic client solutions for retirement. Her goal is to help you build customized solutions for your clients by incorporating advanced planning strategies that meet your unique client needs in easy-to-understand and deliverable terms. Heather's passion for consumer advocacy and education is the driver of her success.
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Griffin Malatino | Annuity SpecialistGriffin Malatino is a financial advisor with an engineering degree from the University of Florida. His engineering background gives him a unique perspective on financial planning, which focuses on thinking critically and solving problems. With his well-rounded knowledge, he is better able to see the big picture and understand how different financial decisions can impact a particular client's overall financial goals. Griffin is passionate about helping his clients achieve their financial goals. He believes that everyone deserves to have financial security, and is committed to providing his clients with the highest level of service and education. Griffin is a father to twins, Otto (son) and Ada (daughter); when he has free time he enjoys golfing, disc golfing, softball, and skiing.
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Meet Our Team
Click On The Names Below To Read More About Our Team
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Our Services
What We Do For Clients |
Asset Protection
Retirement doesn’t mean that it’s time to stop growing. Same holds true for your money. It should mean, however, that it’s time to stop taking unnecessary risk.
We specialize in helping retirees protect their retirement assets while continuing to move forward. |
Family Legacy Planning
Many of our clients want to leave a legacy for their children and grandchildren and are shocked to learn how easy it is to double, even triple their inheritance – TAX-FREE AND GUARANTEED!
We also work with our clients and help them embrace their own mortality and be prepared for the loss of a spouse and the income burdens this can often create. |
Extended Care Solutions
Long-term care/extended care costs have gone up substantially in the last 10 years. Unfortunately, the statistics are not in our favor, a plan to address these costs should be included in every retirement strategy.
The good news is we work with hybrid insurance plans that leverage your dollar in case you need it for extended care, but remain 100% accessible for withdrawal if you don’t. |
Retirement Income
Creating an income plan to last throughout retirement is perhaps the single most important challenge retirees will face. It’s very likely to spend 30 years or more living in retirement without earned income.
We create a customized retirement income plan, encompassing all sources of income, for each one of our clients and no two plans are exactly alike. Let us get to work on a plan for you. |
At the Annuity Shop, we have one goal in mind.
Do what’s right for our clients. With over 30 years of experience, we work with financial companies from across the country to offer clients the best solutions to meet their needs. Preparing for retirement can be very confusing, but with proper guidance and education, we can help you achieve financial peace of mind!
-Ed Hochard
-Ed Hochard
Sequence of Return Calculator
Sequence of Returns
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These eye-opening points could mean the difference
of thousands of dollars to you in retirement. 
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Contact Us
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MAIN OFFICE
1604 South Harbor City Blvd. Melbourne, FL 32901 |
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EMAIL
ed@theannuityshopfl.com |
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CALL US
Office: (321) 215-SAFE (7233) Cell: (321) 508-7128 |
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