Top financial advisors in Bay City, 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.
If you have pension benefits from the auto industry or are planning your retirement income, you need advisors who understand how these pensions affect your overall financial picture. A common mistake is treating pensions like regular savings, which can lead to misjudging your income needs and tax situation.
- Pension integration expertise. Confirm how they incorporate auto industry pensions into your retirement plan, not just your investment accounts.
- Retirement income sequencing. Ask how they plan withdrawals to balance pension payouts with other income sources for tax efficiency.
- Tax impact awareness. Ensure they consider how pension income affects your tax bracket and benefits like Social Security.
- Local market knowledge. Advisors familiar with Bay City, MI, can better navigate state-specific rules and opportunities related to pensions.
Here are top matches to get you started. Review each profile to compare experience, credentials, and approach.
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Lynn G
Series 63, Series 65
Bay City, MI
Raymond James & Associates
Lynn Gehoski's 37 years of experience and expertise in general retirement planning make her well-equipped to address the complexities of integrating auto industry pensions into retirement income strategies in Bay City, MI. Affiliated with Raymond James & Associates, a large firm offering flat-fee and hourly fee structures, she serves a diverse client base including individuals and employer-sponsored plans, providing tailored financial plans through non-discretionary advisory relationships.
Experience: 38 years
Avg account: $788,879
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Gregory J
Series 63, Series 65
Bay City, MI
Ameriprise
Gregory Johnson specializes in retirement income strategy and Social Security optimization, making him well-suited to integrate auto industry pensions into retirement plans for clients in Bay City, MI. With 23 years of experience at large firms like Ameriprise and Hantz Financial, he offers a 0.15% AUM fee and focuses on tax-efficient withdrawal strategies for clients approaching retirement.
Experience: 23 years
Avg account: $471,167
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Mark R
Series 66
Bay City, MI
Recker Financial LLC
Mark Recker in Bay City, MI, offers retirement planning with 15 years of experience and a Series 66 designation, making him capable of integrating pension benefits into your retirement income strategy. His firm uses a Modern Portfolio Theory approach with passive, asset-allocation portfolios and provides flexible fee options including hourly and ongoing monthly planning, which may suit clients seeking tailored financial management.
Experience: 16 years
Avg account: $249,276
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Taylor H
Series 65
Bay City, MI
Vertis Wealth, LLC
Taylor Hemphill in Bay City, MI, offers expertise in options and derivatives strategies, which can complement pension integration and retirement income sequencing for tax efficiency. His firm, Vertis Wealth, LLC, serves individual and high-net-worth clients with a long-term, value-oriented investment approach and charges a 0.95% annual fee for asset management, distinguishing him from advisors with different fee structures or investment focuses.
Experience: 1 year
Avg account: $168,450
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Nathan B
CFP®, Series 65
Bay City, MI
Brown Financial Planning LLC
Nathan Brown in Bay City, MI, offers expertise in income planning and tax strategies, crucial for integrating auto industry pensions into retirement plans. His firm provides flat-fee comprehensive financial plans and serves a diverse client base, including high-net-worth individuals and institutions, using both passive and active investment approaches, distinguishing him from advisors with narrower focuses or fee structures.
Experience: 12 years
Avg account: $193,722
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