Daniel Krug & Associates
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
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
Expertise
Fee options
$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 earned from insurance products sold by investment adviser representatives in their capacity as insurance agents
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
8040 Ortonville Rd, Suite D
Clarkston MI 48348
Advisors at this office
2
Most active in
Florida · Michigan · Texas
Also doing business as
Daniel Krug & Associates · Daniel Krug & Associates, Inc.
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:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Is not active or affiliated with:
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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.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
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 designations and has been with Daniel Krug & Associates since 2008, including prior experience at Global Financial Private Capital, LLC and G.F. Investment Services, LLC. Daniel Krug & Associates serves individual and high-net-worth clients with investment management, ongoing financial planning, and insurance product recommendations. The firm uses third-party model portfolios and sub-advisers on the AssetMark platform, combining various analytical methods and providing clients with educational materials such as newsletters and seminars.
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 licenses and bringing 18 years of industry experience. He has worked at his current firm since 2004 and previously was associated with Global Financial Private Capital, LLC and G.F. Investment Services, LLC. Outside of advising, he serves as a trustee managing trust finances for two non-securities clients. Daniel Krug & Associates serves individual and high-net-worth clients with investment management, financial planning, and insurance product recommendations. The firm uses third-party model portfolios and selected sub-advisers on the AssetMark platform, combining various analytical methods, and also operates as a licensed insurance agency offering insurance and annuity products alongside educational seminars and personalized tax-preparation vouchers for select clients.
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