Northpoint Financial
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About
Northpoint Financial provides comprehensive financial planning and advisory services primarily for clients the firm describes as high‑net‑worth individuals, with work focused on estate planning, retirement modeling, and income tax planning. The firm also assists in organizing, record‑keeping, and coordinating a client’s relationships with other professionals such as attorneys, bankers, accountants, stockbrokers, and money managers, and treats related family entities (trusts, foundations, and closely held businesses) as part of the client relationship.
Investment guidance emphasizes long‑term strategies and the use of a proprietary arithmetic personal‑financial‑independence model to help set an appropriate risk/return profile, while specific security selections are generally made and executed by the client’s brokers and money managers. Northpoint does not accept discretionary trading authority or custody of client assets and uses a fractional hourly billing model for planning and consulting rather than percentage‑of‑assets fees.
The firm is distinctive for its direct affiliation with a life insurance sales agency and an overlap of clients between the two businesses, a relationship disclosed as a material other business activity. Senior personnel also maintain tax and accounting practices and hold insurance and financial planning credentials (CLU/ChFC, CPA/PFS), underscoring a consultative, coordination‑focused practice that relies on vendors for investment execution rather than in‑house portfolio management.
Client services
Expertise
Fee options
Fractional hourly fees ranging from $0 to $300 per hour.
Fee-only: Fractional hourly fees ranging from $0 to $300 per hour, billed quarterly in arrears.
Main office
920 East Lincoln
Birmingham MI 48009-3608
Advisors at this office
2
Most active in
Florida · Michigan
Also doing business as
Northpoint Financial · Northpoint Financial Corporation
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
Advisors at this firm
Michael T
PFS™, Series 65
Birmingham, MI
Northpoint Financial
Michael Tituskin is a financial advisor at Northpoint Financial in Birmingham, MI, with 15 years of industry experience. He holds the PFS™ designation and Series 65 license and has been with Northpoint Financial since 2000. In addition to his advisory role, he operates Tituskin & Associates LLC, a tax return preparation business. Northpoint Financial provides comprehensive financial planning and advisory services primarily for high-net-worth clients, focusing on estate planning, retirement modeling, and income tax planning. The firm emphasizes long-term investment strategies using a proprietary personal-financial-independence model and coordinates client relationships with other professionals without accepting discretionary trading authority or custody of assets.
David D
ChFC®
Birmingham, MI
Northpoint Financial
David Debenedictis is a ChFC® credentialed financial advisor with 14 years of industry experience, practicing at Northpoint Financial in Birmingham, MI. He has been associated with Northpoint Financial since 1982. Outside of his advisory role, he is president and sole shareholder of a life insurance sales agency and is involved in a wine education and travel business. Northpoint Financial provides comprehensive financial planning and advisory services primarily to high-net-worth individuals, focusing on estate planning, retirement modeling, and income tax planning. The firm emphasizes long-term investment strategies using a proprietary financial independence model and coordinates client relationships with various professionals while relying on external brokers and money managers for investment execution.
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