user avatar

Michael Dear

Advisor at Cetera

Updated today

Location

Cement City, MI 49233

Credentials

Series 63, Series 65

Industry experience

7 years

About

Michael Dear is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and seven years of industry experience. He has worked at firms including Avantax Advisory Services and Taxfyle, where he also provides accounting and tax preparation services as an independent contractor and through his own firm, Dear Financial & Tax Solutions. Cetera Investment Advisers serves a diverse client base including individuals, high-net-worth clients, institutions, and retirement plans through a large network of independent advisors. The firm offers a range of portfolio management, financial planning, and fiduciary services supported by affiliated investment management and trust capabilities.

Client services

Based on Cetera

Financial planning Portfolio management Pension consulting Selection of other advisers Educational seminars or workshops

Expertise

Based on Cetera

Wealth management Tax-loss harvesting Retirement plans for business owners (SEP, solo 401k) Charitable giving & philanthropy

Occupation focus

Based on Cetera

Founder/Business Owner Executive Retired

Demographic focus

Based on Cetera

HENRY (High Earners, Not Rich Yet) Approaching retirement

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Fee options

Fixed

Flat fees for financial planning and consulting negotiated with client

Percentage

$0 - $250,000: Up to 2.75% $250,001 - $500,000: Up to 2.50% $500,001 - $750,000: Up to 2.00% $750,001 - $1,000,000: Up to 1.75% $1,000,001 - $2,000,000: Up to 1.50% $2,000,001 - $5,000,000: Up to 1.25% $5,000,001+: As low as 0.75% (varies by program)

Project-based

Hourly consulting and financial planning rates negotiated with client

Other

Account minimum: $5,000 Minimum fee: Minimum program fees ranging from $99 to $199 annually depending on program Fee-only: Flat or hourly fees for financial planning and consulting services, negotiated case-by-case

Location

18875 E. Chicago Road, Suite 2

Cement City, MI 49233

Most active in

Michigan · Texas

Work history

Cetera Wealth Services, LLC

2025 - Present (1 year)

Cetera

2025 - Present (1 year)

Taxfyle

2020 - Present (6 years)

Avantax Advisory Services

2020 - 2025 (5 years)

Dear Financial & Tax Solutions

2019 - Present (7 years)

Avantax Insurance Agency, LLC

2018 - 2025 (7 years)

Avantax Investment Services, Inc.

2018 - 2025 (7 years)

HD Vest Insurance Agency, LLC

2018 - 2019 (1 year)

Goldsmith & Associates

2017 - 2019 (2 years)

Unemployed

2017 - 2017 (1 year)

GLP & Associates

2016 - 2017 (1 year)

H & R Block

2013 - 2017 (4 years)

Soto & Dear Investments LLC

2012 - 2020 (8 years)

Disclosures

Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.

Business activities & affiliations

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Charitable giving & philanthropy Founder/Business Owner Religious/faith focused
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