Financial Planning Services in Grand Rapids & Byron Center, MI
Your Financial Life, Organized
We provide financial planning for individuals and families across Grand Rapids, Byron Center, and surrounding West Michigan communities. Whether you're focused on paying down debt, saving for college, or getting serious about retirement, we help you create a clear, actionable plan that grows with you. Our role is to bring everything together — income, expenses, investments, insurance, and taxes — into a single, understandable roadmap.
What Financial Planning Includes
A good financial plan gives you a clear picture of where you stand today, where you want to go, and how to get there. We start by learning what matters most to you, then build a plan that reflects your goals, values, and Michigan lifestyle.
Here’s what we typically cover:
Cash Flow & Budgeting
Understand how money moves through your life and where there’s room to adjust or improve.
Estimate future income needs, analyze Social Security options, and build strategies to retire with confidence.
College Planning
Plan for future tuition using
Michigan’s 529 savings plans and other funding strategies that work for your family.
Make sure you’re prepared for what life throws your way — from life and disability insurance to long-term care later in life.
Tax Coordination
Keep an eye on how financial decisions affect your Michigan and federal tax picture, now and in the future.
Estate & Beneficiary Planning
Ensure your wishes are reflected in how accounts are titled and how assets transfer, even if you’re not ready for full estate planning yet.
Our Planning Process
We take a collaborative, down-to-earth approach that fits your lifestyle and schedule. Here’s how it works:
Plan Development
We build your personalized plan, based on your needs and West Michigan realities.
Action Steps
We walk through your options and help you move forward, whether that’s
adjusting investments,
updating insurance, or changing
how you save.
Ongoing Check-ins
Life changes, and so should your plan. We review regularly and update as needed.
Why Planning Matters in Michigan
Living in West Michigan means dealing with unique challenges — from state taxes and weather-related housing costs to retirement patterns that include second homes up north or snowbird plans for winter. We understand the local economy, cost of living, and common employer benefits in areas like Byron Center, Grand Rapids, Kentwood, and Wyoming. That local insight is baked into every plan we create.
Common Questions
How much does financial planning cost?
We’re transparent about fees and offer different options depending on your situation. In most cases, the first meeting is complimentary.
Can you help if I already have investments or an old plan?
Yes — we’ll review what you have and help you make sure everything still fits your current goals.
Do I have to be wealthy to need a financial plan?
Not at all. Most of our clients are working professionals, families, and retirees who want to make smarter decisions with what they already have.
Can I do this on my own?
Some people try — and that’s fine. But a financial plan is about more than spreadsheets. It’s about having someone to guide you, ask better questions, and help you take action.
Do you work with clients outside of Grand Rapids?
We sure do. Most of our clients are in Byron Center, Grand Rapids, Kentwood, and Wyoming — but we work with people across West Michigan and all over the state.
Get Started
If you’ve been thinking about getting your finances in order, there’s no better time to start. We’re happy to answer your questions and help you take the next step.