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Zerbe Financial's mission is to enrich and preserve the health and wealth of individuals and small businesses. We offer a team approach in order to more effectively help our clients, who have a wide variety of needs, as they maneuver through a complex financial-services world. We know a "one strategy fits all" approach does not work for most, therefore we give every client our undivided attention every step of the way. 

From left to right, Suzannah Zerbe, Sally Kennedy, Sandy Derby, sitting together smiling in the conference room.

Zerbe Financial provides a variety of insurance solutions for individuals of every age and small businesses. As Medicare specialists, we work closely with those age 65+ to help them navigate the wide range of carriers and plans available for their insurance needs. We also provide insurance solutions for guaranteed retirement income, survivor benefits, college savings, health and disability coverage, and long-term care needs. 

We understand the challenges families and small businesses face today. From managing debt to saving for college and/ or retirement, these financial challenges can be overwhelming. Our commitment is to utilize all of our resources to help you pursue your goals. We believe in thinking “out of the box” and we are not afraid to challenge conventional wisdom, in our approach to investing and preserving health and wealth. All of our energy, commitment, and efforts are focused on you and your satisfaction.

Meet  Our  Team

Image of Suzannah L Zerbe, with red hair, smiling in professional headshot.

Suzannah L. Zerbe - Founder/ Broker 
Suzannah is an insurance broker and the founder of Zerbe Financial. Suzannah is licensed in Florida, Indiana, Michigan, and Ohio. Suzannah guides her clients through their ever-changing life events in order to help them develop an insurance plan to reach their financial goals. She specializes in Medicare Advantage/Supplements, Life, Long-Term Care, Disability, and Annuities. Suzannah draws from a wide range of nationally recognized products and services to provide non-proprietary solutions to meet each client’s needs. Suzannah has developed extensive relationships with professionals throughout the community and works closely with them to provide access to various resources for the benefit of her clients. Suzannah and her family are music and animal lovers and work closely with the SPCA of Southwest Michigan.

Sally Kennedy smiling in professional headshot
Sally Kennedy - Service Representative


Sally has been in the insurance industry since 1999 after many years of sales and other business ownership.  She grew up in Bay City, MI, and attended Northwood Institute for Business, Midland, MI.  Sally and her husband of 31 years spend their time golfing, boating, and enjoying their 10 grandchildren.

Dark, adult pitbull laying on the floor of office with her mouth open in joy.
Billie Holiday Zerbe - Director of Community Relations
She/ Her/ Hers
Email?! Billie Holiday prefers face-to-face communication. 

Billie Holiday is a Pitbull/ Boxer mix who was adopted by Suzannah Zerbe and her family at two years old. Billie spent three years helping her family rehab wildlife and enjoying the finer things in life, like fluffy pillows and puppy sundaes, before deciding to join the family business (part-time). She takes her role seriously making sure to greet every guest with a smile. Billie Holiday checks on each team member, offering cuddles and stress relieving breaks, multiple times per day. She has even been known to cuddle a few clients!
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