Helping Families & Business Owners
Retire With
Confidence Stability Strategy
Strategic retirement planning, business risk reduction, and personalized financial guidance — so you can protect what matters most and enjoy the life you’ve worked hard for.
- 25+ Years Experience
- Licensed In 5 States
Our Solutions
Problems We Solve
We help families and business owners navigate complex financial challenges with clarity and confidence.
Retirement Planning
Running out of money is the #1 concern for retirees. We help review your exposure to market risk, taxes, and out-of-pocket medical costs.
Business Risk Reduction
Key business planning strategies are often overlooked in the daily grind. We help review and implement strategies to protect your business.
Wealth Preservation
Protect your estate and transfer wealth efficiently. Discover how to pay for long-term care with tax-free dollars and protect your heirs.
Tax-Efficient Strategies
The tax treatment of your retirement income is a significant factor. We review tax-favored options designed to reduce tax consequences.
Long-Term Care
75% of people over 65 will need long-term care. Discover how to receive care at home and pay for it with tax-free dollars.
Life Insurance
When a tax-free life insurance check appears for your heirs, life can carry on for those left behind. We review your best options.
William Czerkies Jr.
Founder & CEO • 25+ Years Experience
Your Trusted Partner for Financial Security
OnTrack Financial Group, founded by William Czerkies Jr., is dedicated to providing comprehensive financial planning and strategic risk management. We focus on educating and protecting families and businesses against the risks of incomplete or misguided planning.
Our mission is to ensure long-term financial security and peace of mind through personalized solutions in estate planning, retirement planning, tax planning, life insurance, and long-term care.
- Licensed insurance agent for life, accident & health in Tennessee
- Life insurance licenses in FL, GA, MI, NC, and TN
- Independent Associate for LegalShield since 1999
Our Solutions
Why Work With Us
We combine experience, education, and personalized strategies to deliver real results.
Comprehensive Risk Management
We focus on protecting clients against the risks of incomplete or misguided financial planning, including strategic risk management for retirees.
Business Risk Reduction
Key business planning strategies are often overlooked in the daily grind. We help review and implement strategies to protect your business.
Wealth Preservation
Protect your estate and transfer wealth efficiently. Discover how to pay for long-term care with tax-free dollars and protect your heirs.
Tax-Efficient Strategies
The tax treatment of your retirement income is a significant factor. We review tax-favored options designed to reduce tax consequences.
Long-Term Care
75% of people over 65 will need long-term care. Discover how to receive care at home and pay for it with tax-free dollars.
Life Insurance
When a tax-free life insurance check appears for your heirs, life can carry on for those left behind. We review your best options.
Featured Books
Knowledge That Empowers You
Written by William Czerkies Jr., these guides provide actionable strategies for retirement and business planning.
OnTrack Retirement
Your comprehensive guide to building a secure and confident retirement. Learn proven strategies to protect your savings, minimize taxes, and ensure your money lasts.
Keep the Business, Lose the Risk
Discover essential business planning strategies often overlooked in the daily grind. Learn how to protect your business legacy and reduce risk while maintaining growth.
Resources & Videos
Learn At Your Own Pace
Explore our library of educational videos and articles to help you make informed financial decisions.
Download Your Free Retirement Guide
Get instant access to our comprehensive retirement planning guide. Learn proven strategies to protect your savings, minimize taxes, and secure your financial future.
- How to avoid the 5 financial hazards in retirement
- Tax strategies that could save you thousands
- How to create your own pension plan
- Estate planning essentials you can't afford to miss
Get Your Free Guide
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Let's Talk About Your Future
Ready to Build Your Financial Future?
Schedule a call with William Czerkies Jr. to receive personalized insights that will help you avoid the pitfalls of incomplete financial planning.