Top financial advisors in Ludington, 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 similar, you need an advisor who understands how these pensions affect your overall retirement plan. A common mistake is treating pensions like regular savings, which can lead to missed opportunities or unexpected tax consequences.
- Pension integration. Confirm how the advisor incorporates your pension into your broader retirement income strategy, not just as a fixed monthly amount.
- Tax impact awareness. Ask how they plan for taxes on pension income alongside Social Security and other sources.
- Withdrawal sequencing. Effective advisors will explain how to coordinate pension payouts with other accounts to optimize your cash flow and tax brackets.
- Longevity planning. Ensure they consider how your pension benefits affect your long-term financial security, including potential survivor benefits.
Here are top matches to get you started. Review each profile to compare experience, credentials, and approach.
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Christopher B
Series 63, Series 66
Ludington, MI
The huntington Investment company
Christopher Bousson in Ludington, MI, offers 25 years of experience and holds Series 63 and 66 credentials, making him well-equipped to address pension integration and tax impact awareness for retirement planning. Working with The Huntington Investment Company, a large firm managing $6.3 billion with nearly 400 advisors, he provides access to a model-driven platform and specialized investment options, differentiating him from smaller local advisors.
Experience: 25 years
Avg account: $184,627
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Brian M
CFP®, Series 63, Series 66
Ludington, MI
Edward Jones
Brian Madl's 24 years of experience and CFP® certification equip him to integrate pension benefits into comprehensive retirement income strategies, crucial for clients in Ludington, MI. Affiliated with Edward Jones, a large firm managing over $1 trillion in assets, he offers a range of investment approaches and serves diverse client types, including retirees and business owners, with a fee structure up to 1.35% annually.
Experience: 24 years
Avg account: $246,728
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Kenneth K
CFP®, Series 63
Ludington, MI
William Mack & Associates Inc
Kenneth Klegon, a CFP® with 16 years of experience in Ludington, MI, works at William Mack & Associates Inc, a fee-only firm managing $820 million for nearly 1,000 clients. His expertise includes passive and active portfolio management, private investments, and real estate, with a focus on diversification and tax efficiency using low-cost mutual funds and ETFs. This combination supports integrating pension benefits into a broader retirement strategy while considering tax impacts and withdrawal sequencing.
Experience: 16 years
Avg account: $1,057,818
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Jana P
Series 63
Ludington, MI
Plaisier Financial Group LLC
Jana Plaisier's 39 years of experience and role as principal at Plaisier Financial Group in Ludington, MI, equip her to integrate pension benefits into comprehensive retirement plans. Her firm offers customized investment advice with a focus on diversification and quarterly reviews, and she provides services to individuals and retirement accounts with a negotiable hourly fee and a 1.50% AUM fee, distinguishing her from others by combining deep local expertise with flexible fee options.
Experience: 39 years
Avg account: $89,691
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Michael C
CFP®, Series 66
Ludington, MI
Harborfront Financial Group
Michael Custer in Ludington, MI, specializes in retirement income strategy and Social Security optimization, making him well-suited to integrate pension benefits into your retirement plan. His flat-fee structure and eight years of experience at Harborfront Financial Group, which serves high-net-worth clients and uses diverse investment strategies, distinguish him from other local advisors.
Experience: 8 years
Avg account: $246,479
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