Investment Initiatives, LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Investment Initiatives provides fee‑based investment advice and financial planning to a mix of individuals and institutions, including high‑net‑worth individuals, corporations, trusts, credit unions, private foundations, banks and thrift institutions, pension and profit‑sharing plans, and charitable organizations. The firm offers ongoing portfolio management, pension consulting (including 401(k) plan consulting) and financial planning services, managing about $25.96 million for roughly 24 clients.
The firm creates a written investment policy statement for each client and implements tailored portfolios using exchange‑traded funds, equities, bonds, mutual funds, and certificates of deposit, on either a discretionary or non‑discretionary basis. Its methods of analysis include charting, fundamental, technical and cyclical analysis, and it employs strategies from long‑term investing to margin and options trading, which carry additional leverage and risk.
Compared with many independent advisers, Investment Initiatives is notable for its client mix and services: advising banks/thrift institutions, charitable organizations and pension plans and providing dedicated pension consulting, which is uncommon for firms of this size. The combination of institutional consulting with actively managed strategies such as options and margin distinguishes its offering from more typical independent advisory practices.
Client services
Expertise
Occupation focus
Fee options
$0 - $100,000: 2.50% $100,001 - $250,000: 2.00% $250,001 - $500,000: 1.25% $500,001 - $750,000: 0.75% $750,001 - $1,000,000: 0.60% $1,000,001 - $1,500,000: 0.50% $1,500,001 - $2,000,000: 0.50% $2,000,001+: 0.45%
Financial Planning fees may be based on time (hourly rate) or assets under management; negotiated individually
Account minimum: $250,000 (minimum for Pension Consulting; may be waived at discretion) Fee-only: Fee-only basis; no commissions accepted
Main office
Ludington MI
Advisors at this office
1
Most active in
Michigan · Ohio · Virginia
Also doing business as
Brown, Dennis J · Investment Initiatives, 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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