Bowline Financial, LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client AUMClient assets under management
$45,379,011
Clients
133
Advisors
2
of 3 employees
About
Bowline Financial serves individuals (including high‑net‑worth clients), business entities, trusts, estates, charitable organizations, and qualified retirement plans. The firm offers comprehensive financial planning, discretionary and non‑discretionary investment management, qualified plan consulting, and business consulting services.
Bowline constructs portfolios using a strategic asset‑allocation framework and tailors investment recommendations to each client’s risk tolerance, time horizon, and objectives, offering either custom portfolios or one of three firm model portfolios. The firm applies a mix of technical, fundamental, quantitative, and qualitative analysis, leverages Orion as a platform/sub‑advisor for automated allocation and active tilts, and manages held‑away retirement and HSA accounts using order‑management and third‑party tools to implement tax‑efficient asset‑location and rebalancing.
Distinctive aspects of the firm include disclosures that it may recommend products that generate commissions and has written due‑diligence procedures to document the use of commissioned products, as well as the use of independent solicitors and referral arrangements (including SmartAsset). Bowline also makes available less‑common investment vehicles — including cryptocurrencies and structured notes — and uses third‑party platforms to exercise discretionary management over held‑away plan assets, which differentiates its service mix from many peers.
Client services
Expertise
Fee options
Financial planning fixed fees ranging from $1,200 to $25,000
$0 - $500,000: 1.10% $500,001 - $1,000,000: 1.00% $1,000,001 - $2,000,000: 0.85% $2,000,001 - $4,000,000: 0.75% $4,000,000+: 0.65%
Fee-only: Financial planning: Negotiated fixed fees starting at $1,200 up to $25,000; Business consulting fees are negotiable and unique to each case; Qualified plan consulting fees negotiated case-by-case with fees up to 1.00% of plan assets
Main office
20916 Mack Ave., Suite 200
Grosse Pointe Woods MI 48236
Advisors at this office
2
Most active in
Illinois · Michigan · New York · North Carolina · Texas
Also doing business as
Bowline · Bowline Financial · Bowline Financial, LLC
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is active or affiliated with:
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
Forms ADV
Quick links
Advisors at this firm
Matthew S
Series 66
Grosse Pointe Woods, MI
Bowline Financial, LLC
Matthew Sumnicht is a financial advisor at Bowline Financial, LLC with 12 years of industry experience. He holds the Series 66 designation and previously worked at Mass Mutual Investors Services, MassMutual Life Insurance Co, and AXA Advisors, LLC. He is independently licensed to sell insurance products and receives commissions when acting in that capacity. Bowline Financial serves individuals, business entities, trusts, estates, charitable organizations, and qualified retirement plans, offering comprehensive financial planning and investment management. The firm uses a strategic asset-allocation framework and combines various analytical methods, including technical, fundamental, quantitative, and qualitative analysis, to tailor portfolios aligned with clients’ risk tolerance and objectives.
John H
CFP®, Series 63, Series 65
Grosse Pointe Woods, MI
Bowline Financial, LLC
John Herbert is a CFP® professional with 11 years of industry experience. He is currently with Bowline Financial, LLC, where he has worked since 2020, following roles at MML Investors Services, Mass Mutual, and Axa Advisors. Herbert is independently licensed to sell insurance products. Bowline Financial serves individuals, business entities, trusts, estates, charitable organizations, and qualified retirement plans. The firm offers comprehensive financial planning and investment management using a strategic asset-allocation framework tailored to clients’ risk tolerance and objectives, with access to a range of investment vehicles including cryptocurrencies and structured notes.
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