East Lansing, MI Office

Osaic Institutions serves individuals (including high‑net‑worth clients), trusts, estates, charitable organizations and corporate clients through a network of IARs, offering customized advisory engagements, financial planning, ERISA plan services, wrap programs and brokerage and insurance products. The firm is an SEC‑registered investment adviser and a FINRA‑member broker‑dealer that delivers advisory services primarily through its IARs and through third‑party asset managers.

Advisory relationships are delivered on both discretionary and non‑discretionary bases and are tailored to client objectives, with IARs using fundamental, technical and asset‑allocation analysis and the option to engage TPAMs, wrap programs, SEI and affiliated manager solutions described in the brochure. The firm also makes available alternative investment platforms (via CAIS), custodial clearing through Pershing and NFS, and lending solutions such as LoanAdvance, SBLOCs and the CapitalHub referral platform, which influence how client portfolios are constructed and serviced.

Noteworthy for an enterprise firm, Osaic Institutions reports a sizable portion of assets managed on a non‑discretionary basis (approximately $2.39 billion non‑discretionary vs. $4.11 billion discretionary as of December 31, 2025), a delivery mix that is less common among large peers. The brochure also highlights an extensive affiliate and referral ecosystem — including an affiliated accounting firm (CW Advisors Tax Services), affiliated asset management (LTAM), promoter/solicitor arrangements and revenue‑sharing with product sponsors — which creates a more integrated advisory, brokerage and lending model than many competitors.