Auburn, IN Office

Mid Michigan Insurance and Financial Services provides investment advisory and financial planning services to individuals, trusts, companies and pension plans through a small, two-advisor practice serving roughly 47 clients. Its services include written financial plans, one‑time and as‑needed consultations, managed model‑portfolio solutions via third‑party managers, and the sale of life insurance and annuity products.

The firm operates primarily on a non‑discretionary basis and reports managing approximately $6,235,626 in non‑discretionary assets; model portfolios are selected and then implemented by a third‑party platform that may be given discretionary authority to trade. Investment advice incorporates fundamental, technical and cyclical analysis and employs strategic and tactical asset allocation and value‑oriented elements, with recommendations tailored to client‑provided risk tolerances.

Mid Michigan is notable among peers for its role as an insurance broker/agent and for affiliations with insurance wholesaling entities, which leads advisors to receive commission compensation for insurance and annuity sales and creates disclosed conflicts of interest. The brochure also discloses resolved client complaints related to annuity transactions, states the firm does not accept performance‑based fees, does not take trading discretion itself, and maintains only limited custody for fee deduction.