Golden Years Financial Advisors, Inc.
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
The firm provides financial planning and consulting to individual clients, with services that include cash‑flow and retirement planning, insurance reviews, and portfolio allocation advice. It delivers bundled fixed‑fee plans (completed within 90 days) or ad‑hoc hourly planning, and assists clients with implementing investments through third‑party money managers or client‑directed accounts.
Rather than exercising discretionary management, the firm acts as a liaison to third‑party investment managers for portfolio implementation and conducts periodic account reviews and ongoing monitoring; its planning work draws on fundamental and technical analysis and third‑party research. Clients typically pay asset‑based fees to those managers or fixed/hourly fees for planning, and the firm discloses receipt of referral and revenue‑sharing payments from the managers it recommends.
Notable distinctions include affiliated insurance brokerage activities and a separate health‑insurance business operated by the firm’s principal, with a meaningful portion of time devoted to those activities and the potential to receive commissions—conflicts that are disclosed in the brochure. The firm also discloses a recent material change in its ADV and describes an incentive arrangement with its primary third‑party manager that ties additional payments to production thresholds, items prospective clients should review.
Client services
Expertise
Fee options
Financial planning fixed fee plans: $500 (Foundational), $800 (Accumulation), $1,000 (Retirement), $2,000 (Estate/Business)
$0+: 1.95% (Total Annual Fee) for Custom Indexing - Strategic Portfolio (inclusive of 0.95% GI Fee and 1.00% Advisor Fee) $0+: 1.80% (Total Annual Fee) for Strategic Portfolio (inclusive of 0.80% GI Fee and 1.00% Advisor Fee) $0+: 1.75% (Total Annual Fee) for Custom Indexing - Allocation Portfolio (inclusive of 0.75% GI Fee and 1.00% Advisor Fee) $0+: 1.60% (Total Annual Fee) for Allocation and Defined Outcome Portfolio (inclusive of 0.60% GI Fee and 1.00% Advisor Fee) $0+: 1.70% (Total Annual Fee) for Tactical Portfolio (inclusive of 0.70% GI Fee and 1.00% Advisor Fee) $0+: 1.50% (Total Annual Fee) for Private Wealth Portfolio (inclusive of 0.50% GI Fee and 1.00% Advisor Fee) $0+: 1.00% (Total Annual Fee) for Preservation Portfolio (inclusive of 0.40% GI Fee and 0.60% Advisor Fee) $0+: $300 flat fee for Client Directed Accounts
Insurance products sold by the principal receive commission-based compensation (typical separate commissions, not detailed in brochure)
Ad hoc financial planning services charged at $325 per hour
Fee-only: Financial planning fixed fees: $500 to $2,000 depending on plan type; ad hoc financial planning hourly fee: $325/hour
Main office
614 E. Ireland Road
South Bend IN 46614
Advisors at this office
2
Most active in
Indiana · Michigan · Texas
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.
Forms ADV
Quick links
Advisors at this firm
Michael A
CFP®, Series 65
South Bend, IN
Golden Years Financial Advisors, Inc.
Michael Anthony is a CFP® with seven years of experience at Golden Years Financial Advisors, Inc. in South Bend, IN. He has also operated the Michael Anthony Agency since 2019, providing fixed insurance sales. Michael's background includes earlier work at Idea Translations and nearly a decade as a full-time student prior to his financial services career. Golden Years Financial Advisors offers financial planning and consulting to individuals, focusing on cash flow and retirement planning, insurance reviews, and portfolio allocation advice. The firm provides fixed-fee or hourly planning and coordinates investment implementation through third-party managers, with ongoing account monitoring and reviews.
Kevin A
Series 63, Series 66
South Bend, IN
Golden Years Financial Advisors, Inc.
Kevin Anthony is a financial advisor with Golden Years Financial Advisors, Inc. in South Bend, IN, holding Series 63 and Series 66 credentials and bringing 30 years of industry experience. He has led several related businesses, including Golden Years Planning Group and The Sanders Agency, where he owns and manages a health insurance practice. Golden Years Financial Advisors provides financial planning and consulting to individual clients, offering fixed-fee and hourly services focused on cash-flow and retirement planning, insurance reviews, and portfolio allocation advice. The firm acts as a liaison to third-party investment managers for portfolio implementation and ongoing monitoring.
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