Daniel Krug & Associates

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Client assets under management

$145,104,606

Clients

192

29% high-net-worth

Advisors

of 7 employees

Firm type

Supported

1-4 advisors or >$200M in AUM

Clients per advisor

Very High

Average account size

$755,753

About

Daniel Krug & Associates serves individual and high‑net‑worth clients with investment management, ongoing financial planning, and insurance product recommendations, including variable and fixed indexed annuities. The firm delivers investment management through the AssetMark wrap‑fee platform and provides impersonal educational materials such as periodic newsletters and seminars to clients and prospects.

The firm’s investment approach uses third‑party model portfolios and selected sub‑advisers on the AssetMark platform, with Daniel Krug & Associates retaining discretionary authority to select and monitor those sub‑advisers and to recommend changes. Advisors gather client data through an account aggregator, conduct annual reviews, and rely on a mix of analytical methods (fundamental, technical, cyclical, and modern portfolio theory) rather than performing in‑house quantitative security‑level analysis.

What is distinctive for a firm of this size is that it is also licensed as an insurance agency, so investment adviser representatives may recommend and sell insurance and annuity products (using IMOs such as Advisors Excel) while disclosing and attempting to manage the resulting conflicts of interest. The firm’s participation in a sponsored wrap program, its ongoing educational seminars and newsletters, and the provision of a complimentary personal tax‑preparation voucher for select high‑net‑worth wrap clients are services noted in the brochure that are less common among peers.

Client services

Financial planning Portfolio management Selection of other advisers Newsletters or periodicals Educational seminars or workshops

Expertise

Annuities College savings (529s, UTMA, etc.) Cash flow / budgeting

Fee options

Percentage

$1 - $250,000: 1.40% $250,001 - $1,000,000: 1.25% $1,000,001 - $2,000,000: 0.95% $2,000,001 - $5,000,000: 0.65% $5,000,001+: Negotiable

Commissions

Commissions earned from insurance products sold by investment adviser representatives in their capacity as insurance agents

Other

Account minimum: $500,000 Fee-only: Annual fees up to 2.50% inclusive of platform, sub-advisory and firm fees; platform fee 0.15% unless sub-advisers used (then waived); sub-adviser fees up to 1.10%

Main office location

Daniel Krug & Associates

8040 Ortonville Rd, Suite D

Clarkston MI 48348, United States

Number of offices

Most active in

Florida · Michigan · Texas

Disclosures

Business activities & affiliations

Is active or affiliated with:

Insurance agent

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

Is not active or affiliated with:

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.

Other specialized services

They may provide services such as pension consulting or municipal advisory work, typically for separate fees.

Forms ADV

Form ADV Part 2: Client Brochure Form ADV Part 3: Client Relationship

Quick links

X Website 248-625-2788

Advisors at this firm

Rocky I

Series 63, Series 65

Clarkston, MI

Daniel Krug & Associates

Rocky Istvan is a financial advisor at Daniel Krug & Associates with 18 years of industry experience. He holds Series 63 and Series 65 licenses and has worked with the firm since 2008. His career also includes roles at Global Financial Private Capital, LLC, and G.F. Investment Services, LLC. Daniel Krug & Associates provides investment management and integrated financial planning services primarily to individual and high-net-worth clients, managing approximately $130.9 million across about 218 accounts. The firm uses a wrap-fee platform sponsored by AssetMark and offers ongoing portfolio supervision, educational newsletters, and retirement-focused seminars.

Annuities College savings (529s, UTMA, etc.) Cash flow / budgeting

Daniel K

Series 63, Series 65

Clarkston, MI

Daniel Krug & Associates

Daniel Krug is a financial advisor with Daniel Krug & Associates in Clarkston, MI, holding Series 63 and Series 65 designations and 17 years of industry experience. He has worked at his current firm since 2018 and has prior experience at Global Financial Private Capital, LLC and G.F. Investment Services, LLC. Outside of his advisory role, he serves as a trustee managing trust finances for non-securities clients. Daniel Krug & Associates provides investment management and integrated financial planning services to individual and high-net-worth clients, overseeing approximately $130.9 million across about 218 accounts. The firm utilizes a wrap-fee platform with model portfolios and third-party sub-advisers, offers educational newsletters and retirement workshops, and is licensed as an insurance agency able to recommend annuities and other insurance products.

Annuities College savings (529s, UTMA, etc.) Cash flow / budgeting

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