Bowline Financial, LLC

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Client assets under management

$45,379,011

Clients

133

8% high-net-worth

Advisors

of 3 employees

Firm type

Supported

1-4 advisors or >$200M in AUM

Clients per advisor

High

Average account size

$341,196

About

Bowline Financial serves individual clients (including high-net-worth households), business entities, trusts, estates, and qualified retirement plans with financial planning, discretionary and non-discretionary investment management, qualified plan consulting, and business consulting. The firm manages assets on a personalized basis for a relatively small advisory team and tailors services to client objectives, risk tolerance, and time horizon.

The firm's investment process centers on customized financial planning that drives strategic asset allocation and portfolio construction, delivered either through custom accounts or one of three firm model portfolios. Bowline uses Orion as a platform/subadvisor to implement asset-allocation tilts, rebalancing, and tax-efficient asset-location strategies, and generally recommends custody with large custodians such as Charles Schwab.

The brochure discloses that Bowline may recommend structured notes, digital assets, and other financial products that can be commissionable, and it maintains written due-diligence procedures requiring justification when a commissioned product is used. It also discloses referral arrangements (including payments to solicitors and SmartAsset), an affiliation with an insurance company, and the ability to serve as an ERISA fiduciary for qualified plans — characteristics that are less common among similarly sized peers and can affect how certain services are delivered.

Client services

Financial planning Portfolio management Pension consulting Selection of other advisers

Expertise

Tax-loss harvesting

Fee options

Percentage

$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% $4,000,001+: 0.65%

Other

Fee-only: Negotiated annual fixed fee starting at $1,200 up to $25,000 for financial planning; qualified plan consulting fees negotiated, up to 1.00% of plan assets

Main office location

Bowline Financial, LLC

20916 Mack Ave., Suite 200

Grosse Pointe Woods MI 48236, United States

Number of offices

Most active in

Michigan · New York · North Carolina · Texas

Disclosures

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:

Insurance agent

They sell insurance products and may earn commissions on those sales.

Broker-dealer / trader

They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.

Bank

They're affiliated with a bank that may offer its own financial products and services.

Trust company

They provide trust and estate administration services, typically for separate fees.

Fund sponsor

They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.

Accountant / CPA / tax prep

They offer tax and accounting services, typically for separate fees.

Lawyer

They provide legal services, typically billed separately.

Real estate agent

They facilitate real estate transactions and may earn commissions.

Forms ADV

Form ADV Part 2: Client Brochure

Quick links

LinkedIn Facebook Website (248) 327-6390

Advisors at this firm

Matthew S

Series 66

Grosse Pointe Woods, MI

Bowline Financial, LLC

Matthew Sumnicht is a financial advisor with Bowline Financial, LLC, holding a Series 66 designation and 11 years of industry experience. He previously worked at MML Investors Services, LLC, MassMutual Life Insurance Co, and AXA Advisors, LLC. In addition to his advisory role, he is independently licensed to sell insurance products and receives commissions for these sales. Bowline Financial serves individual and high-net-worth clients, as well as business entities, trusts, estates, charitable organizations, and qualified retirement plans. The firm offers financial planning, investment management, qualified plan consulting, and business consulting services, utilizing strategic asset allocation and proprietary methodologies to build customized portfolios.

Tax-loss harvesting

John H

CFP®, Series 63, Series 65

Grosse Pointe Woods, MI

Bowline Financial, LLC

John Herbert is a CFP® professional with 10 years of industry experience, currently serving at Bowline Financial, LLC since 2020. His prior experience includes roles at MML Investors Services, Mass Mutual, and Axa Advisors. He is independently licensed to sell insurance products and receives commissions for these sales. Bowline Financial serves individual and high-net-worth clients, as well as business entities, trusts, estates, charitable organizations, and qualified retirement plans. The firm offers financial planning, investment management, qualified plan consulting, and business consulting, using a strategic asset-allocation approach and proprietary methodologies to build customized portfolios.

Tax-loss harvesting

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