Mount Kisco, NY Office

M&I Financial Planning Services provides investment management and financial planning primarily for individual investors and family trusts, working with taxable, Roth and tax-deferred accounts. The firm serves a relatively small client base (about 56 household relationships) through two principal advisors and offers discretionary portfolio management and broader planning that considers clients’ real estate, insurance and tax situations.

The firm takes a conservative, long-term approach that combines technical analysis of company financials with cyclical sector analysis, and typically favors exchange-listed individual securities and ETFs over mutual funds. Advisors discuss recommendations with clients whenever possible but operate under discretionary management agreements for all client accounts, using Charles Schwab’s institutional platform for execution and custody.

Compared with many peers, M&I’s client mix does not include high-net-worth households and the firm explicitly notes no account minimums, signaling a focus on non‑HNW individual investors. The two principals maintain a compact practice—one partner allocates substantial time to providing accounting services to a non‑profit—no other employees are listed, and the firm says it does not accept proxy‑voting authority or participate in outside advisor referral arrangements.