John T. Ermer, Sr., RICP® is the President and Founder of Ermer & Associates, a wealth and financial strategies practice serving South Florida families, business owners, and retirees from North Bay Village, Miami.

With over 40 years of experience in financial services, John began his career in 1986 and has built a practice grounded in one core belief: your financial plan should reflect not just your goals, but your values. He founded Ermer & Associates in 2020 to bring that philosophy to life in a firm built entirely around the families he serves.

John holds the RICP® designation — Retirement Income Certified Professional — reflecting his specialized areas of focus in retirement income planning and helping clients turn what they have saved into income they can count on for life. He has been recognized as a New York Life Executive Council member for eight consecutive years (2021 - 2025) an annual company recognition program based on agent production from July 1- June 30.

Beyond his professional credentials, John is an ordained permanent deacon in the Archdiocese of Miami, assigned to St. Joseph Catholic Church in Miami Beach, and serves as a chaplain for the Miami-Dade Sheriff's Office.

John earned a Bachelor of Business Administration from the University of Miami and a Master of Arts in Theological Studies from St. Vincent de Paul Regional Seminary. He resides in North Bay Village with his wife, Lourdes Dergan Ermer.

His associate, Martha Michelle Nave, FSCP®, brings additional areas of focus and care to every client relationship the firm serves.

Michelle Nave Headshot

Martha Michelle Nave

Financial Services Professional

As a single mom from Hollywood, FL, with a diverse background spanning different regions, I understand the importance of financial stability and security. With over a decade of experience in the hospitality industry, I bring a blend of warmth and professionalism, ensuring exceptional customer service and individualized attention for each client. I am passionate about empowering others through financial education, helping them navigate their financial journeys and make informed decisions. Raised with strong moral foundations and a sense of community, I am dedicated to doing what's right for my clients, always placing their best interests first. Let's work together to craft a financial strategy that aligns with your goals and values, embarking on a journey toward financial success.