Traverse City, MI Office

Cherry Tree Wealth Management, LLC provides discretionary portfolio management, financial planning, and employee benefit retirement plan consulting to a mix of individual clients (including high‑net‑worth individuals), pension and profit‑sharing plans, estates, trusts, charitable organizations, and state and municipal government entities. The firm reports managing approximately $673 million in client assets and offers services that include IPS preparation, participant education for retirement plans, and written financial plans.

The firm's investment approach emphasizes asset allocation and long‑term, buy‑and‑hold strategies grounded in Modern Portfolio Theory, with portfolios constructed largely using passively managed, institutional mutual funds and ETFs and occasional short‑term trades when warranted. Cherry Tree gathers client goals, time horizons and risk tolerances through interviews and questionnaires, conducts at least quarterly account reviews, and may delegate fixed‑income trading authority to third‑party managers where appropriate.

Distinctive disclosures in the brochure note that management personnel are separately registered as representatives of an affiliated limited‑purpose broker‑dealer, Cherry Tree & Associates, LLC, which focuses on mergers and acquisitions and private placements, and that firm personnel are licensed insurance agents who may implement insurance recommendations for separate commission compensation. The inclusion of state and municipal government entities among client types is relatively uncommon for peer team firms and suggests experience with institutional and public‑sector relationships.