Great Lakes Retirement Solutions, Inc.
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client AUMClient assets under management
$42,323,501
Clients
250
Advisors
4
of 4 employees
About
Great Lakes Retirement Solutions works with individual and high‑net‑worth clients as well as business entities, offering portfolio management, written financial planning, and recommendations/coordination of third‑party investment advisers. The firm provides both discretionary and non‑discretionary management and serves as a co‑advisor when clients elect outside managers.
Its investment process emphasizes individualized asset allocation and the use of Modern Portfolio Theory to construct portfolios consistent with client risk tolerance and written investment policy statements, with periodic monitoring and at least annual client reviews. When clients use recommended third‑party advisers the firm assists with onboarding, monitors account status, and acts as the primary client contact for questions about performance and service.
Noteworthy features include a substantial amount of client assets overseen through third‑party relationships — the adviser reports managing about $42.4 million directly while monitoring roughly $73.8 million with third‑party managers — and reliance on third‑party platforms such as AssetMark and Matson Money. The firm’s principal is also licensed to sell insurance products and may receive commissions for those sales (a disclosed conflict the firm says it mitigates), and the firm discloses that it does not use soft dollars, does not aggregate trades, and forwards proxy materials to clients rather than voting them.
Client services
Expertise
Fee options
Financial planning fixed fees: $197.00 to $997.00 depending on complexity
$0 - $500,000: 0.95% $500,001 - $1,000,000: 0.75% $1,000,001 - $2,000,000: 0.50% $2,000,001 - $4,000,000: 0.25% $4,000,001 - $10,000,000: 0.15% $10,000,001 - $100,000,000: 0.10%
$75.00 per hour for financial planning (negotiable)
Account minimum: $50,000 Fee-only: Financial planning fees: $197.00 - $997.00 for portfolio analysis; $75.00 per hour for hourly financial planning (negotiable)
Main office
5090 State St, D101
Saginaw MI 48603
Advisors at this office
4
Most active in
Michigan · Texas
Also doing business as
Great Lakes Retirement Solutions, Inc. · Wisdom Financial Services, 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 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
David B
ChFC®, Series 63, Series 65
Saginaw, MI
Great Lakes Retirement Solutions, Inc.
David Becker is a ChFC® with 37 years of industry experience, currently serving at Great Lakes Retirement Solutions, Inc. since 2025. He previously worked at Securities Equity Group for 15 years and has operated Premier Financial Group since 1999. Becker is president of Mid Michigan Teen Challenge, a Christian rehabilitation organization. Great Lakes Retirement Solutions serves individual and corporate clients with portfolio management, financial planning, and third-party adviser placement. The firm uses Modern Portfolio Theory for asset allocation and offers both discretionary and non-discretionary management, often engaging in co-adviser arrangements to support client oversight.
Matthew S
Series 66
Saginaw, MI
Great Lakes Retirement Solutions, Inc.
Matthew Starke is a financial advisor with Great Lakes Retirement Solutions, Inc. in Saginaw, MI, holding a Series 66 designation and 15 years of industry experience. He has been with Great Lakes Retirement Solutions LLC since 2013. Outside of advising, he serves as treasurer for Jolt Credit Union. Great Lakes Retirement Solutions serves individual and institutional clients, offering portfolio management, financial planning, and third-party adviser placement. The firm employs individualized asset allocation based on Modern Portfolio Theory and supports client relationships through ongoing monitoring and periodic reviews.
Paul C
Series 65
Saginaw, MI
Great Lakes Retirement Solutions, Inc.
Paul Card is a Series 65-licensed financial advisor with Great Lakes Retirement Solutions, Inc. in Midland, MI, where he has worked since 2018. He also has over 20 years of experience with Smith & Co, CPA's, PLC, an accounting firm where he provides certified public accountant services. Great Lakes Retirement Solutions serves individual clients, including high-net-worth individuals, as well as corporations and business entities, offering portfolio management and financial planning. The firm employs individualized asset allocation based on Modern Portfolio Theory and often uses co-adviser arrangements to support client relationships.
Zachery S
Series 63, Series 65
Saginaw, MI
Great Lakes Retirement Solutions, Inc.
Zachery Smith is a financial advisor at Great Lakes Retirement Solutions, Inc. with three years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Northwestern Mutual and Richmark Private Wealth Management. In addition to his advisory role, he is a licensed life insurance agent operating under Premier Financial Group, where he assists clients with insurance coverage decisions. Great Lakes Retirement Solutions, Inc. serves individual clients, including high-net-worth individuals, as well as corporations and business entities, providing portfolio management, financial planning, and third-party adviser placement. The firm employs Modern Portfolio Theory in constructing and monitoring portfolios and offers both discretionary and non-discretionary management, often utilizing co-adviser arrangements to support client relationships.
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