Originally started as the Affordable Insurance Network (DBA AIN Services) in 1998 by Michael Tove Ph.D., CEP®, RFC® , to provide affordable premium solutions for people seeking life and health insurance, the company quickly expanded to offering investment strategies and became a multi-services independent agency.

AIN is insurance licensed and the founder, Michael Tove, is an investment advisor representative through CoreCap Advisors, LLC. AIN and CoreCap are separate and unaffiliated entities. As a fiduciary, our mission is to offer unbiased advice based on an individual client’s needs rather than promoting the products of one company or industry.

Meet the Team

Dr. Michael Tove

President & Founder

Michael Tove Ph.D., CEP®, RFC® is president and founder of AIN Services. He is both independently insurance licensed and registered as an Investment Advisor Representative with CoreCap Advisors, a Registered Investment Advisor (AIN and CoreCap Advisors are separate and unaffiliated entities). He is also a Certified Estate Planner™, a Registered Financial Consultant™, a National Social Security Advisor certificate holder, member of the Ed Slott Elite IRA Tax Advisor group, member of the Independent Excellence Group and member of the National Ethics Association. A published author, Dr. Tove has authored two books and been a contributing author to a third, has authored numerous articles for a variety of financial journals including US News and World Report, Kiplinger, Forbes, Investopedia, Go Banking Rates, Financial Advisor, Senior Outlook Today and others. He was the creator and co-host of a nationally distributed TV program “Money Secrets with Bill and Mike” and more.

James Robbins

Director of Operations

James, our Director of Operations, is responsible for managing the day-to-day operations of the company. He is also a licensed agent and oversees the company’s computing and IT infrastructure.

The needs of every client are first, middle, and last. It’s why we focus on identifying and helping to achieve specific planning goals and not promoting some ‘favorite’ company or product.