Top Financial Advisors in Ann Arbor, MI

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Concorde Asset Management, LLC is an SEC-registered investment advisory firm based in Ann Arbor, Michigan. The firm provides investment advisory, financial planning and retirement plan advisory services. It works with individuals, businesses, trusts, estates, retirement plan sponsors, retirement plan participants, ERISA plans and IRA holders. Concorde generally requires $50,000 for discretionary investment management, while its Concorde UMA Program has a $20,000 minimum.

Areas of assistance include financial planning, discretionary and non-discretionary investment management, unified managed accounts, variable annuity separate account management, third-party asset management programs, wrap fee programs and ERISA retirement plan advisory services. Financial planning may cover retirement planning, insurance planning, estate planning, retirement income projections and periodic investment reviews. Financial planning services have a $300 minimum fee, though this may be waived.

Concorde operates under a fee-based compensation model, in which representatives may receive advisory fees as well as commissions or other compensation through affiliated broker-dealer and insurance relationships. These arrangements may pose a potential conflict of interest due to possible commissions earned. However, the firm has a fiduciary duty to act in clients’ best interests.

Before investing client assets, Concorde typically considers factors such as the client’s goals, risk tolerance, time horizon, cash flow needs and financial circumstances. The firm may then develop an investment strategy designed to align with those factors.

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Retirement Income Solutions leads off our list of the top financial advisors in Ann Arbor. This large wealth advisory firm primarily works with individuals and high-net-worth individuals, but it also manages accounts for pension plans, charitable organizations and corporations. New clients of the firm are required to have at least $750,000 in investable assets.

Retirement Income Solutions also appears on our list of the top financial advisors in Michigan. 

The firm provides fee-only asset management, retirement and financial planning, retirement plan consulting, as well as ongoing monitoring and review of client accounts. Some members of the Retirement Income Solutions team hold the Certified Financial Planner™ (CFP®) and Chartered Financial Analyst (CFA) designations. 

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’s investment approach blends diversification with active management strategies. Portfolios are mainly constructed using mutual funds, exchange-traded funds (ETFs) and interval funds, with allocations reviewed regularly by RIS’s Investment Committee. Active strategies, such as its Seasonal Strategy, allow the firm to adjust portfolios based on perceived market risks or opportunities, shifting between equity and fixed income positions as conditions change. The firm's overarching philosophy emphasizes diversification, risk management and periodic rebalancing.

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Columbia Asset Management is an SEC-registered investment advisory firm that provides wealth management and financial planning services. The firm works with individuals, high-net-worth individuals and charitable organizations. It does not impose account minimums. 

Areas of assistance include investment planning, retirement planning, education funding, personal savings strategies and charitable giving.

The firm is a fee-only advisor, meaning it does not sell financial products for commissions and is compensated solely through agreed-upon advisory and planning fees. This type of compensation model reduces the number of potential conflicts of interest an advisor may have. 

Columbia Asset Management has a small team that includes Certified Financial Planners™ (CFP®). Its investment approach emphasizes long-term portfolio construction tailored to each client’s goals, financial situation and tolerance for risk. Portfolios are primarily built with equities and fixed income, including individual stocks and bonds, mutual funds and ETFs. 

Columbia Asset Management applies fundamental analysis, which involves reviewing a company’s financial condition, earnings, and broader economic factors to guide investment choices. It also incorporates Modern Portfolio Theory, which seeks to balance risk and return by diversifying across asset classes.

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Arbor Trust Wealth Advisors is a fee-only practice that does not have a minimum account size requirement. The firm’s client base comprises a mix of non-high-net-worth individuals, high-net-worth individuals, pension plans, charitable organizations and government entities.

The firm provides both investment management and financial planning services to its clients, along with consulting for retirement plans and independent manager selection. Financial planning typically touches on topics like retirement planning, education planning, Social Security & Medicare planning, estate planning, philanthropy planning, cash flow planning, generational wealth transfer and insurance planning.

The team at Arbor Trust includes advisors who hold the Certified Financial Planner™ (CFP®), Chartered Financial Analyst (CFA), certified trust and fiduciary advisor (CTFA) and accredited behavioral finance professional (ABFP) designations.

Before investing any of your money, Arbor Trust Wealth Advisors will identify the objectives of the client. After establishing these goals, along with the client’s risk tolerance and time horizon, the firm will formulate an appropriate investment strategy.

Arbor Trust primarily employs a long-term, fundamentals-based investment approach, using economic and business indicators to guide selection of investments. The firm usually invests in a mix of individual equity securities, individual fixed-income securities, mutual funds and ETFs. Under certain circumstances, the firm may call for alternative investments like limited partnerships or real estate investment trusts (REITs).

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Darden Wealth Group requires clients to have at least $500,000 in investable assets, though retirement assets may count toward this minimum. For pension consulting services, there is a minimum annual fee of $5,000.

Individuals without a high net worth make up the majority of the firm's client base, although Darden also works with high-net-worth individuals, business development companies, retirement plans, charities, corporations and other businesses.  

The firm offers a wide range of advisory services that include private wealth management, comprehensive financial planning, retirement plan management, retirement income strategies, business owner and entrepreneur services and pension consulting. Additional services include assistance with major spending decisions, educational funding, charitable and legacy planning, as well as specialized wealth management for university faculty.

The Darden team holds a variety and range of financial certifications, including the accredited asset management specialist (AAMS), Chartered Financial Analyst (CFA®), registered financial consultant (RFC), certified investment management analyst (CIMA), Certified Financial Planner™ (CFP®).

Darden constructs and manages portfolios using a fundamental investment approach, which involves analyzing companies through financial ratios, cash flows and market conditions. The firm primarily invests in individual stocks, bonds, mutual funds, ETFs, cash, and publicly traded real estate, while also using CDs and Treasury securities. Portfolios are designed to balance long-term growth with risk management, sometimes employing tactical allocation, cash as an asset class or hedging strategies to help reduce downside risk. 

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Four Financial Management was founded in 2008 and registered as an investment advisor in 2016. The firm provides a wide range of services, including financial planning, retirement planning, estate settlement, investment consulting for retirement plan participants and portfolio management. 

More specifically, clients can receive guidance on budgeting, tax and insurance planning and business planning. The firm also offers investment management through programs with LPL Financial and SEI, as well as a wrap fee program that consolidates advisory and transaction costs into one fee.

The firm works with individuals and high-net-worth individuals, although it does not have a minimum account size. Four Financial Management operates under a fee-based compensation model, in which employees of are also registered representatives of LPL Financial and can receive commissions for selling securities. While this constitutes a conflict of interest, the firm has a fiduciary duty to act in your best interests.

Four Financial Management uses a range of investment strategies, including asset allocation, income-focused investing, capital preservation and tactical growth. Portfolios may include mutual funds, ETFs, stocks, bonds, government securities, closed-end funds, structured products, options, variable annuities and alternative strategy funds. 

The firm applies both fundamental and technical analysis and aims to match portfolios with each client’s goals, time horizon, risk tolerance and cash flow needs. 

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Sage Hill Capital is a fee-only advisory practice that works with individuals and high-net-worth individuals. The firm, which does not have a set account minimum, offers financial planning and consulting services, along with investment management. The firm advises clients on estate planning, tax planning and insurance matters.

While there’s no minimum account size requirement, the firm does prefer to work with clients that have at least $1 million in investable assets.

Sage Hill Capital typically recommends that its clients invest in some combination of stocks, bonds, mutual funds, and ETFs. To determine how to allocate among different asset classes, the firm will sit down with each client and establish several key factors, including the client’s investment goals, risk tolerance and timeline until retirement, as well as any specific investment or financial preferences. With those factors nailed down, the firm can formulate an allocation that has an appropriate amount of aggressiveness and suits the client’s cash flow needs.

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Vision Capital Partners is a fee-based registered investment advisor. Its advisory team includes those holding the Certified Financial Planner™ (CFP®) and certified public accountant (CPA) designations. The firm primarily works with non-high-net-worth individuals, as well as high-net-worth individuals, retirement plans and charities. It does not require a minimum account size for its services.

Some of the advisors at Vision Capital Partners are also representatives of broker-dealer Triad Advisors. These dual roles may pose a potential conflict of interest due to possible commissions earned. However, the firm's fiduciary duty requires it to act in clients' best interests at all times.

Vision Capital Partners offers investment management and financial planning services. More specifically, the firm can assist clients with investment planning, retirement planning, education savings, insurance needs, estate considerations and business succession. Services may also include family office support, such as consolidated reporting, bill pay and family governance assistance.

Vision Capital Partners designs portfolios with asset allocations specific to a client’s financial profile, objectives and risk tolerance. These portfolios typically invest in ETFs and low-cost mutual funds. The firm may also consider stocks, bonds, certificates of deposit (CDs), municipal securities, options, U.S. government bonds and other securities if deemed suitable for the client. 

The firm maintains a long-term investment approach, but it may sell or re-allocate positions that have been held for less than a year in response to market conditions.

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ArborFi Advisors is a fee-only financial advisory firm headquartered in Ann Arbor, Michigan. The firm provides portfolio management and financial planning services. It works with individuals, banks, foundations, endowments, pension and profit-sharing plans, trusts, estates, charitable organizations, corporations and other business entities.

ArborFi generally suggests a minimum relationship size of $1 million, with a minimum annual fee of $10,000. Areas of assistance include cash flow and debt management, investment analysis, withdrawal strategy, education planning, retirement planning, insurance planning, tax optimization, Social Security optimization, estate planning strategy, charitable planning and employee benefit planning. The firm may also provide retirement plan rollover recommendations and family wealth advisory services.

The firm is a fee-only advisor, meaning it does not sell financial products for commissions and is compensated solely through agreed-upon advisory and planning fees. This type of compensation model reduces the number of potential conflicts of interest an advisor may have.

ArborFi has a small team that includes Certified Financial Planner™ (CFP®) professionals. The firm uses a goals-based financial planning process to guide investment recommendations and typically creates an investment policy statement for each client.

ArborFi’s investment approach generally emphasizes long-term asset allocation rather than short-term market timing. Portfolios may use ETFs, institutional mutual funds and, when appropriate, individual securities or previously held investments. The firm monitors portfolios on an ongoing basis and may rebalance as needed.