Front Street Wealth Management
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Front Street Wealth Management is a fee-only registered investment adviser serving individuals, families and trusts with discretionary wealth management, administrative services and standalone financial planning. As of March 27, 2026 the firm reported managing roughly $92.1 million on a discretionary or non-discretionary basis for 54 clients and providing administrative services for an additional 14 client relationships.
Portfolios are typically balanced and use diversified, low-cost index funds for the equity and fixed income segments, while the firm retains the ability to invest in individual equities and bonds under client-specific Investment Guidelines. Investment decisions are guided by value-oriented valuation criteria and independent research, and the firm may employ equity hedging strategies and discretionary trading authority to manage downside risk.
The firm operates with a small client-facing staff—two people serve clients, including one full-time administrative employee—and the principal holds multiple professional credentials (CFA, CFP®, EA and an actuarial credential). Distinctive operational features include a default policy of leaving proxies unvoted unless clients request otherwise, occasional use of prime-broker executions when advantageous, and a formal business continuity and succession plan covering incapacity or loss of the principal.
Client services
Expertise
Fee options
Flat fee arrangements for administrative clients and financial planning engagements (approx. $2,500 to $17,500)
$0 - $1,000,000: 1.35% per year $1,000,001 - $2,000,000: 0.75% per year $2,000,001 - $3,000,000: 0.50% per year $3,000,001 - $4,000,000: 0.25% per year $4,000,001+: 0.15% per year
Account minimum: $750,000 Minimum fee: Minimum annualized fee of $10,000 for new wealth management clients Fee-only: Flat fee arrangements occasionally offered; financial planning fees range from approximately $2,500 (limited-scope) to $7,500-$17,500 (comprehensive)
Main office
310 W. Front Street Suite 403
Traverse City MI 49684
Advisors at this office
1
Most active in
Michigan
Also doing business as
Front Street Investment Management, LLC · Front Street Wealth Management · Front Street Wealth Management, LLC · Mosaic Investment Management, 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 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.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
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