Top Financial Advisors in Michigan

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Plante Moran Financial Advisors (PMFA) is a wealth advisory firm based in Southfield with a client base that includes non-high-net-worth and high-net-worth individuals, charitable organizations, corporations, family limited partnerships (LPs) and family/private foundations. The firm provides investment management, general financial planning, wealth management, estate planning, auditing, tax preparation and consulting services.  

For portfolio management services, the firm will typically charge a percentage of your assets under management that ranges from 0.25% to 0.90%, depending on the market value of your assets. Financial planning fees are typically charged at an hourly rate between $110 and $450. The firm requires clients to maintain a minimum account size of $500,000.

Plante Moran typically invests in many different types of securities when constructing client portfolios. These include open-end mutual funds, exchange-traded funds (ETFs), collective trusts, certificates of deposit (CDs), limited partnership interests, interests in limited liability companies, options contracts on securities, hedge funds and other alternative investments.

Plante Moran uses proprietary models to analyze investment options and attempt to find undervalued securities. The model will factor in statistics like P/E ratio, dividend yield, price-to-book ratio and others to formulate a market valuation that can be compared to historical averages. The firm then compares the results between asset classes and investment styles to identify potentially undervalued or overvalued segments of the equity markets.

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Hantz Financial Services caters to a diverse clientele including individuals, IRAs, trusts, businesses, and pension or retirement plans. Notably, the firm does not require a minimum account size to start services.

This firm offers a comprehensive suite of services tailored to meet the diverse financial needs of its clients. These services include investment planning, which covers asset allocation, accumulation goals, and education planning, alongside retirement planning that addresses income and expenses, lump sum distribution planning, and specific concerns for business owners. Estate planning is also available, although it excludes legal services.

The firm employs a variety of investment strategies including asset allocation, portfolio diversification, and regular rebalancing. The firm also incorporates Exchange-Traded Funds (ETFs), mutual funds, and Separately Managed Accounts (SMAs) into its investment approaches. Additionally, the firm offers globally diversified active ETF model portfolios.?Ultimately, though, the firm builds a strategy that is best to meet the needs of each individual client. 

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Schwartz & Co. is a fee-based practice located in Bloomfield Hills. The firm’s client base is a mix of individuals with and without a high net worth, pooled investment vehicles, pension plans, charitable organizations, government entities and corporations. The firm offers financial planning and investment management. Often, the firm will provide both of these services together, but it provides stand-alone financial planning as well.

The firm doesn’t have an account minimum, although it requires a $100,000 minimum investment for a pooled investment vehicle that it advises.  For investment management services, the firm will often customize fee schedules to each client. However, it estimates the fee to be no higher than 1.50%. These fees are negotiable and may vary from client to client.

A key aspect of Schwartz & Co.’s investment process is tailoring its strategy to individualized factors like your time horizon, need for liquidity, risk tolerance and investment goals. With that in mind, the firm will construct a diversified portfolio of investments. The firm often invests in or provides advice on equities, corporate debt securities, certificates of deposit (CDs), municipal securities, government securities, interests in real estate partnerships, variable life insurance, variable annuities and mutual fund shares.

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Fee-only Advance Capital Management works with both non-high-net-worth and high-net-worth individuals, as well as pension plans, charitable organizations and corporations. The firm offers financial planning and investment consulting services for individuals and institutional clients. 

The Southfied-based firm does not have a set account minimum. However, for investment management and financial planning services, it charges a percentage of your assets under management (AUM) from 0.65% to 1.00%. The firm may decide to negotiate a different fee agreement based on additional factors as well.

Advance Capital Management usually invests in mutual funds and exchange-traded funds (ETFs), provided that these securities fit in with a client’s risk tolerance and overall investment goals. The firm may also use alternative investments as a way to further diversify a portfolio.

When deciding on what funds to invest in, the firm considers factors like its risk-adjusted performance, size, manager tenure, Morningstar rating and availability to new investors. From there, the firm’s investment committee will further analyze and narrow down the options to a list of approved funds. To determine the proper asset allocation, advisors will consider the client’s risk tolerance, investment objectives, time horizon, income needs and tax circumstances.

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Zhang Financial is a fee-only firm that provides investment management services on a discretionary, either through or not through a wrap fee program. It also advises portfolios on a non-discretionary basis. Additionally, it offers financial planning and consulting on topics including retirement saving, estate planning and managing trusts. What's more, the firm acts as sub-advisor to pension and profit-sharing plans, charitable organizations and municipal government entities.

While Zhang Financial works with individual clients above and below the high-net-worth threshold, you'll need a minimum investment of $1 million to establish an account. The practice also offers its services to charitable organizations, pension and profit-sharing plans and municipal government entities.

Zhang Financial primarily provides advice on individual stocks or bonds, exchange traded funds (ETFs), mutual funds and other public securities or investments. When selecting investments, Zhang Financial applies fundamental, technical and cyclical methods of analysis. It uses long-term purchases (securities held for at least a year), short-term purchases (securities sold within a year), trading (securities sold within 30 days), margin transactions and option writing.

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Fee-only firm Mainstay Capital Management has its home office in Grand Blanc. The firm primarily offers comprehensive investment management, individual 401(k), 457 and 403(b) account management and retirement plan transitions. Additionally, the services of estate planning, retirement planning, college savings planning, charitable gift planning, tax minimization, debt and mortgage optimization, buyout analysis and more are also offered. 

This firm primarily works with non-high-net-worth and high-net-worth individuals, as well as banking or thrift institutions, and corporations or businesses. Clients will need $200,000 to establish an account at Mainstay. 

Mainstay Capital Management offers a few different pre-built investment strategies, ranging from ultra-aggressive to ultra-conservative. The firm is open to using short-term purchases within its client accounts, but not necessarily for the purpose of market-beating investing. Instead, the firm uses these investments to satisfy a client’s need for liquidity by shooting for quick, albeit risky, returns.

Exchange-traded fund (ETFs) and mutual funds are explicitly stated as the favored investment types of Mainstay Capital Management. But because these investments won’t always fit neatly into everyone’s plans, the firm will also review various stocks and bonds to flesh out certain client accounts.

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Rehmann Financial is a fee-based financial advisor firm located in Lansing. The firm advises both non-high-net-worth and high-net-worth individuals. It also does business with institutions, including pension and profit-sharing plans, charities, insurance companies and corporations. The firm does not have a minimum account size requirement or minimum fee, but some individual advisors may impose them. Services offered include financial planning, investment manaagement, portfolio analysis and more. 

Investment management fees are paid based on a percentage of assets under management. Some advisors may also sell you securities or insurance products and earn a commission for doing so. This is a potential conflict of interest, but the firm is still a fiduciary and must act in your best interest.

Your advisor at Rehmann Financial will help you come up with a portfolio strategy that makes sense for you. Your asset allocation will vary based on your financial situation and goals, but will include equities, fixed-income investments and alternative investments. Both individual securities and mutual fund shares may be used, depending on your preferences. The firm uses a number of modes of analysis, including technical analysis and qualitative analysis, to decide which companies and other investments to choose for its clients.

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Azimuth Capital Management is a fee-based advisory firm that caters to a diverse clientele including individuals, high-net-worth individuals, trusts, pension and profit-sharing plans, and charitable institutions. The firm primarily focuses on providing tailored financial advice and management services to its clients. The firm also facilitates capital or debt financing, tax consulting, and participation in business ventures or partnerships. Investment opportunities offered include private equity, venture capital, real estate, hedge funds and funds of funds, among other assets or securities.  

As a fee-based firm, there is the potential that the firm or its advisors may earn commissions for the sale of certain securities. While this can create a potential conflict of interest, the firm and its advisors are bound by a fiduciary duty to act in the best interests of its clients. 

The firm considers a comprehensive list of factors to ensure alignment with individual client needs and objectives. These factors include asset allocation, risk exposure, income requirements, tax implications, and the client's specific preferences or needs. Other considerations include the client’s risk tolerance, liquidity needs, financial condition, type of securities held and the complexity of their financial circumstances. The firm also takes into account cash flow, budgeting, retirement planning, estate and wealth transfer, education funding, and overall financial goals to provide a tailored investment experience.

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NPF Investment Advisors is a fee-only advisory firm that's been in business since 1933. With a $1.5 million minimum account size, NPF primarily works with high-net-worth individuals. However, the firm also serves individuals below the high-net-worth threshold, charities, retirement plans, corporations and other businesses. 

NPF offers portfolio management on either a discretionary and non-discretionary basis, as well as financial planning. The latter offering may include net worth and cash flow analysis, asset allocation review, tax management, estate planning, insurance planning, debt management, education planning and other services. 

The firm's investing strategies are guided by asset allocation, fundamental analysis, mutual fund/ETF analysis, as well as technical analysis, charting and cyclical analyiss. NPF may engage in long-term purchasing, which involves buying an asset and holding it for at least a year. The firm may also use short-term purchasing and trading, which involves holding an asset for less than a year or under 30 days, respectively.

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Retirement Income Solutions is a fee-only advisory firm and its vast majority of clients are individuals with and without a high net worth, but it also manages accounts for pension plans, charitable organizations and corporations. 

The firm provides fee-only asset management, financial planning and retirement plan consulting. On occasion, the firm may also select independent money managers for its clients. New clients of the firm are required to have at least $500,000 in investable assets. For asset management clients, the firm will typically charge a percentage of your AUM between 0.6% and 1%. Financial planning fees can come in the form of either a $600 to $1,200 fixed fee or a $50 to $150 hourly fee.

Retirement Income Solutions begins every client relationship by discussing their risk profile, time horizon, cash flow needs, personal investment philosophy, asset allocation preferences and tax considerations. From there, the firm will determine what combination of asset classes would be most appropriate to help them reach their goals. The firm will also monitor the portfolio daily to determine when, and if, rebalancing is necessary.

The firm typically constructs portfolios using one or all of the following securities: individual equities and bonds, exchange-traded funds (ETFs), managed futures, alternative investments and no-load or load-waived mutual funds.