Indedpendence, OH Office

Advance Capital Management provides investment advisory and consulting services to individuals, retirement plans, institutions, trusts, foundations, and corporations, with a primary emphasis on financial planning and portfolio management using mutual funds and ETFs. The firm also acts as a sub‑advisor to other advisers, serves as a fiduciary to ERISA plans and IRAs, and offers specialized retirement services including a “Chief Retirement Officer” program.

The firm’s Investment Committee screens mutual funds and ETFs into a Recommended List and constructs model portfolios tailored to clients’ risk tolerances, time horizons, and tax circumstances, while also permitting use of direct indexing, alternative assets, and limited cryptocurrency exposure where appropriate. Advance Capital frequently implements strategies through independent managers (notably GeoWealth for model and platform services), generally with discretionary authority and ongoing oversight of sub‑advisors.

Advance Capital’s brochure discloses roughly 7,287 clients and 32 advisors (more than 200 clients per advisor), an unusually high client‑to‑advisor ratio for a multi‑team firm, and details participation in referral and marketing programs (including Ramsey Solutions’ SmartVestor Pro and fund‑sponsored client events) and the use of testimonials in advertising. The firm is majority employee‑owned through an ESOP, manages nearly $5 billion in assets, and discloses a 2025 SEC settlement related to a prior disclosure error, information that prospective clients may weigh when evaluating the firm.