Top financial advisors in Alma, MI
The right financial advisor for you depends on how you weigh location, expertise, experience, the clients they typically serve, and how they work with you.
When you’re navigating retirement decisions tied to a pension, you need advisors who understand how these benefits fit into your overall plan. A common mistake is treating pensions like regular savings, which can lead to missed opportunities or unexpected tax hits.
- Pension integration expertise. Look for advisors who explain how your pension affects Social Security timing and other income sources.
- Tax impact awareness. Confirm they consider how pension payouts influence your tax bracket and Medicare premiums.
- Withdrawal sequencing. Ask how they plan distributions to balance pension income with other accounts for steady cash flow.
- Auto industry knowledge. Given Alma’s local economy, advisors familiar with auto-related pensions can better tailor your retirement strategy.
Here are top matches to get you started. Review each profile to compare experience, credentials, and approach.
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Samuel B
Series 66
Alma, MI
LPL Financial
Samuel Beals in Alma, MI, offers flat-fee financial planning through LPL Financial, a large firm with extensive resources and research support. With expertise in wealth management and retirement plans for business owners, he brings a practical approach suited for clients seeking structured fees and access to broad investment solutions, differentiating him from advisors with different fee models or smaller firm affiliations.
Experience: 2 years
Avg account: $399,489
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Benjamin B
Series 66
Alma, MI
Edward Jones
Benjamin Bontrager, based in Alma, MI, is positioned to assist with pension-related retirement planning through his role at Edward Jones, a large firm managing over $1 trillion in assets and serving millions of clients. With expertise in wealth management and tax-loss harvesting, and a Series 66 designation, he offers a structured approach supported by a broad range of advisory strategies and a 1.35% annual program fee.
Experience: 3 years
Avg account: $246,728
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Douglas H
Series 63, Series 65
Alma, MI
Equitable Advisors
Douglas Hoard's 27 years of experience and expertise in retirement income strategy and Social Security optimization make him well-suited to address pension-related retirement decisions in Alma, MI. Affiliated with Equitable Advisors, a large firm offering a hybrid advisory and brokerage model, he serves high-net-worth Baby Boomer clients and provides flexible fee structures, including AUM and hourly options.
Experience: 27 years
Avg account: $570,841
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Kevin N
Series 63, Series 66
Alma, MI
International Assets Investment Management, LLC
Kevin Nichols offers deep expertise in retirement planning with 36 years of experience and a focus on wealth management and active portfolio strategies, which can help integrate pension income effectively. His firm provides customized, long-term portfolio management with flexible fee options including flat fees and negotiable AUM rates, catering to individuals and high-net-worth clients in Alma, MI, distinguishing him from others by combining seasoned independence with tailored financial planning.
Experience: 37 years
Avg account: $423,553
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Jared M
CFP®, Series 66
Alma, MI
OSAIC
Jared Merchant's 23 years of experience and CFP® certification equip him to address pension-related retirement planning in Alma, MI, especially given his firm's expertise with pension plans and broad client base. His flat-fee structure and affiliation with a large, technology-driven firm differentiate him by offering transparent pricing and advanced portfolio optimization tools compared to other local advisors.
Experience: 24 years
Avg account: $398,336
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