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Financial

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for Individuals

Your Financial Journey Should Be Unique To You

Our team recognizes the uniqueness of every financial journey. Our Suite of Financial Services is tailored to your unique needs. With personalized service and integrity, we strive to offer comprehensive solutions to achieve your goals, from retirement planning to investment management.
Personal Planning
Investment Management
Tax Management & Consulting
Liquidity Management
Estate Planning
Legal Coordination
Risk Management
Foundations & Philanthropic Guidance

Personal Planning

PLANS TAILORED TO YOU
When you plan with us, you’ll have an experienced advisor leading a dedicated team with a diverse range of financial expertise. Our plans are tailored to you from a wide range of financial options and strategies designed to help you achieve the goals you have now, and later on.

We will also work closely with any other financial relationships you have—streamlining things for you and giving you a trusted point person to oversee all aspects of your wealth management.

We believe that the strongest financial plan begins with the priorities you have for your life. That’s why we start by understanding your values, goals, and where you stand financially today before making any recommendations.

Our approach strives to help you and your family enjoy your wealth for generations. When you work with our financial advisors, we seek to ensure that you can be confident that you’ll have:
Someone who’ll listen to you, identify with your situation, and understand what you want to accomplish
A partner who can help see blind spots others can’t or haven’t considered
An expert in advanced investment and risk management strategies

Investment Management

MAKING YOUR MONEY WORK FOR YOU
Our long-term approach to investing and wide range of options can help meet your unique financial needs—seeking to give you the edge you and your family need to enjoy your wealth today, and for generations to come.With more ways to invest than ever before, it can be hard to make sure your money is working its hardest for you. That's where we come in. We’ll provide: 
Investment expertise based on our time-tested philosophy
A disciplined process
Research-based insights
Proprietary capital market assumptions
When you’re ready for more sophisticated wealth management, you'll have access to a variety of options there too, including investment advisory services, tax-smart strategies, trust services, and specialized products.
INVESTMENT ADVISORY PROGRAM
When you’re looking for more hands-on investment advice and ongoing portfolio oversight, we’ll carefully select one of our Advisory Programs (curated by our Wealth Management Investment Team) that best fits your investment goals. Along with monitoring market conditions and your investments, we’ll be ready to adjust your portfolio as needed should your goals or priorities shift.

Tax Management & Consulting

OPTIMIZE TAX EFFICIENCY AND MINIMIZE LIABILITY
Effective tax management is integral to preserving wealth, maximizing returns, and achieving long-term financial success. We recognize the significant impact taxes can have on your investment returns and overall financial well-being, which is why our Tax Management & Consulting service is designed to help you optimize tax efficiency, minimize tax liability, and navigate the complexities of the tax landscape with confidence.

Our experienced team will work closely with you to develop and implement tailored tax strategies that align with your financial goals, risk tolerance, and unique circumstances. Whether you're an individual investor, a business owner, or an institutional client, we provide proactive tax planning, compliance, and consulting services to help you effectively manage tax implications and make informed decisions that enhance your after-tax returns.
Key components of our Tax Management & Consulting service include:
Tax Planning
We collaborate with you to develop comprehensive tax planning strategies designed to minimize tax liability, maximize deductions and credits, and optimize after-tax returns. Our proactive approach to tax planning helps you identify opportunities for tax savings and implement strategic measures to achieve your financial objectives.
Tax Compliance
We provide expert guidance and support to ensure compliance with all applicable tax laws, regulations, and reporting requirements. From preparing and filing tax returns to addressing complex tax issues, our team of tax professionals handles all aspects of tax compliance with accuracy and efficiency.
Tax Optimization
We leverage advanced tax optimization techniques and sophisticated tax-efficient investment strategies to help you maximize after-tax returns and preserve wealth over the long term. By strategically managing investment portfolios, structuring transactions, and utilizing tax-advantaged accounts, we aim to minimize tax drag and enhance overall portfolio performance.
Tax Consulting
We offer personalized tax consulting services tailored to your specific needs and objectives, providing expert guidance on a wide range of tax-related matters, including estate planning, retirement planning, business succession planning, charitable giving, and more. Our experienced tax consultants work closely with you to address complex tax issues, explore tax-saving opportunities, and optimize your overall tax position.

Liquidity Management

ENSURE LIQUIDITY WHEN IT'S NEEDED MOST
Effective liquidity management is essential for maintaining financial stability and flexibility, helping to ensure you have the resources you need when unexpected expenses arise or opportunities for growth emerge. We understand the importance of liquidity in achieving your financial goals, and our Liquidity Management service is designed to help you optimize cash flow, manage short-term needs, and preserve long-term wealth.

Our experienced team will work closely with you to develop a comprehensive liquidity management strategy tailored to your unique circumstances and objectives. Whether you're a high-net-worth individual, a family office, or an institutional investor, we provide proactive guidance and support to help you navigate the complexities of liquidity management and make informed decisions that align with your financial goals and risk tolerance.
Key components of our Liquidity Management service include:
Cash Flow Analysis
We conduct a thorough analysis of your cash inflows and outflows to identify opportunities for optimizing cash flow and maximizing liquidity.
Short-Term Investment Strategies
 We develop customized short-term investment strategies to help you preserve capital, generate income, and maintain liquidity without sacrificing returns.
Debt Management
We assist you in managing debt effectively, optimizing borrowing strategies, and minimizing interest costs to improve liquidity and strengthen your financial position.
Cash Reserve Planning
We work with you to establish appropriate cash reserve levels based on your liquidity needs, risk tolerance, and investment objectives, ensuring you have sufficient liquidity to meet your short-term obligations and capitalize on opportunities for growth.
In addition to these core components, our Liquidity Management service encompasses a range of specialized solutions tailored to meet the unique needs of our clients, including:
Money Market Accounts
Short-Term Bonds
Certificates of Deposit (CDs)
Treasury Bills
Commercial Paper
Line of Credit Facilities

Estate Planning

LEAVE THE LEGACY YOU WANT
Having a plan for your estate—your home, your wealth, your possessions—means assisting with leaving the legacy you want, whether that’s to help your family, a charitable cause, or an institution.

Many people associate estate planning with having a will. While the transfer of your assets is an important part of estate planning, a will is just one aspect of a broader plan designed to make sure your wishes are known, honored, and carried out as efficiently as possible when you're no longer able to articulate them. We work with a team of estate planning experts to help you develop an estate strategy that can help:
Reduce or eliminate gift, estate, and inheritance taxes for your heirs
Protect your estate from mismanagement or from claims of creditors or ex-spouses
Leave the legacy you want, such as paying for your grandchildren’s education or giving to your favorite charitable causes
In addition to the expertise our team can offer, you'll want to work with an estate planning attorney to establish:
Trusts & Wills
A will or possibly a living trust to make sure your assets are transferred according to your wishes or even name a legal guardian for children under the age of 18.
Living Wills
Healthcare directives (also known as living wills) that specify the extent to which you want health care professionals to treat you if you become ill or incapacitated.
Powers of Attorney
Powers of attorney that grant people you trust the legal authority to act on your behalf in case of sudden accident or illness. A healthcare power of attorney enables your agent to make healthcare decisions on your behalf. A financial power of attorney allows your agent to do things like pay bills, access accounts, and possibly make gifts. 

Legal Coordination

ENSURING SEAMLESS LEGAL INTEGRATION 
Legal considerations are a critical component of comprehensive wealth management, impacting everything from estate planning to business succession and asset protection. Our team understands the importance of seamless legal integration in achieving your financial goals and safeguarding your assets, which is why our Legal Coordination service is designed to provide comprehensive support and guidance in navigating the legal aspects of your financial strategy.

Our experienced team of legal coordinators works closely with you and your legal advisors to help ensure that all legal elements of your financial plan are carefully considered, coordinated, and integrated into a cohesive strategy that aligns with your objectives. Whether you're an individual investor, a business owner, or an institutional client, we offer proactive legal coordination services to help you address complex legal issues, minimize risk, and achieve peace of mind.
Key components of our Legal Coordination service include:
Legal Needs Assessment
We conduct an inventory of common legal needs and objectives, taking into account your personal and financial circumstances, as well as any existing legal documents and agreements. This assessment serves as the foundation for developing a tailored legal coordination strategy that serves as a first step to ultimately address your specific requirements and goals.
Coordination With Legal Advisors
We serve as a liaison between you and your legal advisors, facilitating communication, collaboration, and coordination to help ensure that all legal aspects of your financial strategy are effectively addressed and integrated into a cohesive plan. Our team works closely with your legal team to provide support, guidance, and expertise throughout the planning process, helping to streamline decision-making and implementation.
Legal Compliance
We help you navigate the complex landscape of legal regulations, requirements, and compliance obligations, seeking to ensure that your financial strategy remains in full compliance with applicable laws and regulations. Our team stays abreast of changes in the legal environment and provides proactive guidance and support to help you maintain compliance and minimize risk.

Investment Management

MAKING YOUR MONEY WORK FOR YOU
Our long-term approach to investing and wide range of options can help meet your unique financial needs—giving you the edge you and your family need to enjoy your wealth today, and for generations to come.With more ways to invest than ever before, it can be hard to make sure your money is working its hardest for you. That's where we come in. We’ll provide: 
Investment expertise based on our time-tested philosophy
A disciplined process
Research-based insights
Proprietary capital market assumptions
When you’re ready for more sophisticated wealth management, you'll have access to a variety of options there too, including investment advisory services, tax-smart strategies, trust services, and specialized products.
Trusts
A will or possibly a living trust to make sure your assets are transferred according to your wishes or even name a legal guardian for children under the age of 18
Living Wills
Healthcare directives (also known as living wills) that specify the extent to which you want health care professionals to treat you if you become ill or incapacitated
Powers of Attorney
Powers of attorney that grant people you trust the legal authority to act on your behalf in case of sudden accident or illness

Foundations & Philanthropic Guidance

MAKE A MEANINGFUL IMPACT
We believe in the power of giving back and making a positive impact in the world. Our Philanthropy and Guidance service is dedicated to helping you maximize the effectiveness of your charitable giving, align your philanthropic efforts with your values and goals, and leave a lasting legacy that extends beyond your lifetime.

We will work closely with you to develop and implement a strategic philanthropic plan that reflects your passions, interests, and objectives. Whether you're an individual donor, a family foundation, or a corporate entity, we offer personalized guidance and support to help you navigate the complex landscape of charitable giving and make informed decisions that create meaningful change in the causes you care about most.
Key components of our Philanthropy and Guidance service include:
Philanthropic Planning
We collaborate with you to develop a comprehensive philanthropic plan that aligns with your values, interests, and long-term objectives. Our team helps you identify your philanthropic goals, assess the impact you want to make, and develop a strategic giving strategy that maximizes your resources and achieves measurable outcomes.
Charitable Giving Strategies
We provide expert guidance and support to help you identify and evaluate charitable giving opportunities, including selecting causes and organizations that align with your values and have a meaningful impact. Whether you're interested in supporting education, healthcare, environmental conservation, social justice, or other causes, our team helps you navigate the philanthropic landscape and identify opportunities for meaningful engagement.
Donor Advised Funds
We offer customized solutions, such as donor advised funds, to help you streamline your charitable giving, maximize tax benefits, and simplify the administration of your philanthropic activities. Our team works closely with you to establish and manage donor advised funds that support your charitable goals and provide flexibility, tax efficiency, and administrative ease.
Legacy Planning
We assist you in creating a legacy of giving that reflects your values and priorities, ensuring that your philanthropic efforts continue to make a meaningful impact for generations to come. Whether you're interested in establishing a charitable foundation, endowment, or other legacy giving vehicle, our team helps you develop a plan that is designed to preserve your philanthropic legacy and perpetuates your values.

Our Process

STEP 1
Understanding what, and who, is most important to you, and seeking to gain a complete understanding of your Vision, Goals, Concerns, and Expectations is always the first step in our process.
Research
We go through detailed questions to understand your current situation
STEP 2
Once we have clearly defined your vision, we will create a personalized plan that helps to organize your financial life. We will seek to identify the necessary actions to help make your vision a reality.
Analysis Review
We go through an in-depth analysis with the objective of trying to find opportunities to enhance & improve your current situation. 
STEP 3
Our team will coordinate with your other advisors to implement your financial plan. Each individual advisor will complete steps based on their expertise or profession. We will walk down your path together, taking both challenges and opportunities that are inevitable in this changing world.
Implementation
We identify which value drivers make sense to move forward with and help to implement all agreed upon action items.
STEP 4
We deliver a level of service that we hope will exceed your expectations. To help ensure that your Financial Planning is successful, we will strive to be sure your planning stays on track after recommendations have been put into motion through annual reviews. We want to provide white glove service with incredible efficiency.
Monitoring & Review
We meet routinely to review results of what has been implemented and to help ensure we capture any and all life changes that have occurred in your planning.
Schedule A Consultation

Start Planning Now for Your Financial Future

Schedule A Consultation
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Troy, MI 48084
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