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Michael Havlik, CLU®, ChFC®, CFP®

Michael Havlik, CLU®, ChFC®, CFP®

CERTIFIED FINANCIAL PLANNER Professional, Financial Services Representative

Personal Information

As a CERTIFIED FINANCIAL PLANNER practitioner, Michael employs a holistic wealth management approach.  He designs and implements strategies that are custom-tailored for his clients’ individual needs and objectives.  The majority of Michael’s clients are successful professionals, small business owners or recent retirees.  Michael is also a accomplished presenter and provides financial education and retirement planning workshops to several corporations and universities in the Baltimore/Washington DC area.

Michael joined Tide Creek (formally The Havlik & Varlotta Group, An Office of MetLife) in the spring of 2003 after beginning his career as a financial planner with Waddell and Reed.  A graduate of Salisbury University, Michael studied finance and economics.  Over the years, Michael has taken great pride in helping every individual, family and business client make smart financial decisions.  When not helping clients with financial matters, Michael enjoys nearly any type of outdoor activity and resides in Gambrills, MD with his wife.



  • Salisbury University, B.S. in Business Administration and Finance, 2001
  • The American College, Chartered Financial Consultant (ChFC®) Curriculum, 2006
  • The CERTIFIED FINANCIAL PLANNER™ Board of Standards, Inc., 2012 
  • The American College, Chartered Life Underwriter (CLU®) Curriculum, 2015


Designations & Awards

  • Chartered Financial Consultant (ChFC®)
  • Chartered Life Underwriter (CLU®)