Life Insurance
Explore protection designed to help your loved ones manage income loss, debt, final expenses, education costs, and future financial needs.
Clarity today. Confidence tomorrow.
Protect your family.
Protect your family.
Strengthen your retirement.
Build your legacy.
Oliver Ziman helps individuals, families, and business owners understand life insurance and annuity options in a clear, pressure-free environment—so every decision feels informed, intentional, and aligned with your goals.
Sec. 01 — Solutions
Financial protection & strategies built around you.
No two families share the same priorities. Your strategy should reflect your income, responsibilities, timeline, comfort level, and long-term vision.
Retirement Income
Create a strategy focused on dependable income, longevity, liquidity, and the retirement lifestyle you want to maintain securely.
Fixed & Indexed Annuities
Review options that may provide principal protection, tax-deferred accumulation, and guaranteed income features, subject to contract terms.
Legacy Planning
Help position assets and insurance benefits to support the people, causes, and future generations that matter most to you.
Business Protection
Explore strategies for key-person coverage, succession needs, employee retention, and continuity planning for your life's work.
Policy Reviews
Evaluate existing coverage and retirement products to determine whether they still match your current needs, goals, and timeline.
The edge of the water is where clarity meets the horizon. Our goal is to make sure your financial future is as steady and vast as the ocean before you.
Oliver Ziman
Founder & Lead Advisor
Meet Oliver Ziman
See Our Process
Real-life experience. National leadership. A genuine passion for helping people.
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.
What makes Oliver relatable is simple: he never forgets where he came from. He brings energy, honesty, and a down-to-earth approach to every conversation. Outside of business, he enjoys music, art, fashion, sports, and travel—and believes a great financial strategy should support a life you are excited to live.
20+ Years
Elite advisor and trusted guide
Agency Leader
Developing advisors nationally
The Edgewater Difference
Advice should feel clear—not complicated or pressured.
At Edgewater Solutions, the conversation starts with listening. Oliver takes time to understand what you are protecting, what you are building, and what confidence looks like for you.
Integrity
Honest conversations, transparent explanations, and recommendations designed around your stated objectives.
Informative
Understand the purpose, benefits, limitations, costs, and tradeoffs before making a decision.
Trustworthy
A respectful, client-centered experience built to earn confidence over time—not force a quick transaction.
Reliable
Responsive communication, consistent follow-up, and support beyond the initial application or purchase.
Easy to Work With
A straightforward process with convenient virtual appointments and clear next steps.
Personalized
Solutions tailored to your family, business, retirement timeline, risk preferences, and priorities.
Client Stories
Trusted by families & business owners.
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“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.”
Sarah & David M.
Family Planning
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“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.”
Marcus T.
Small Business Owner
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“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.”
Elena R.
Retirement Strategy
A Simple Path Forward
From first conversation to confident action.
You do not need to have everything figured out before meeting. The process is designed to bring clarity one step at a time.
Schedule
Choose a convenient time for your complimentary consultation.
Discover
Discuss your goals, concerns, current coverage, and retirement priorities.
Review
Compare personalized options with clear explanations of benefits and tradeoffs.
Move Forward
Implement only the strategy that feels right, with ongoing support afterward.
FAQ
Get clarity before your first conversation.
Your initial consultation is designed to be educational, comfortable, and focused on your priorities.
01 How much does the initial consultation cost?
Your initial strategy consultation is completely complimentary and comes with no obligations.
02 Will I be pressured to purchase anything?
No. The purpose of the conversation is to understand your goals, answer questions, and help you evaluate suitable options in an educational environment.
03 Can we meet virtually?
Yes. Virtual and phone consultations make it easy to connect from wherever you are, fitting into your busy schedule.
04 What should I bring to the meeting?
Bring any current policy statements, retirement account information, questions, and a general sense of what you want to protect or accomplish.
05 Are annuities right for everyone?
No. Annuities are insurance products and may be appropriate for certain goals, timelines, and risk preferences. Suitability depends on your full financial situation and the specific contract.
Your Next Step
Schedule a Consultation
Make your next financial decision with clarity and confidence.
No pressure. No obligations. Just clear answers.