About Us

Florida Financial Services is a full service Employee Benefits agency that has been serving the Northwest Florida market along with companies located across the State of Florida for over 18 years. We have been very successful in our efforts because we are constantly reviewing the insurance market and evaluating the carriers that are admitted in the State of Florida. Today’s solutions are not always the solutions for the future. We continually review new plan designs and new ideas to better our customer’s insurance plans.

Michael Locht

Michael Locht, owner of Florida Financial Services, founded the company in 1995. Prior to founding the company, Mr. Locht was a Vice Present with Barnett Bank of Florida. He is a graduate of the University of Florida with a BSBA in Finance in 1982.

Mr. Locht has an extensive background in financial analysis,  a trait that serves him well in the insurance business.

“Relationships are the key to building and maintaining a successful benefit plans. I have relationships with all major carriers across the State of Florida. I am on a personal level with many of these state and regional Vice Presidents. I have been honored to attend state and regional leadership conferences for top producers to discuss market and industry changes.” – Michael Locht

Martina Locht

Martina Locht is the Office Manager and Customer Service Manager. Mrs. Locht has been the office manager for 14 years and has received numerous recognitions for superior customer services.

AJ Burns

AJ Burns is one of the agency’s licensed health, life and variable annuity agents. She is also the advertising and marketing coordinator and office administrative assistant. Mrs. Burns graduated from the University of West Florida in 2009 and holds a B.A. in Communications.

John Locht

John Locht has been a resident of the Fort Walton Beach/Destin area since 1964. In 1981, he graduated from the University of Florida with a B.A. in Business Management. Mr. Locht is also one of the agency’s licensed health, life and variable annuity agents.