Paycheck to Wealth, LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Paycheck to Wealth provides fee-based investment advice and financial planning primarily to individual clients, and also offers recurring, subscription-based investment advice and educational services. Services disclosed include portfolio monitoring using model asset-allocation portfolios, financial planning consultations, seminars and employee-education workshops tied to qualified plan participant support.
The firm’s investment approach emphasizes passive, asset-class investing based on Modern Portfolio Theory, recommending low-cost index funds and model portfolios from custodians such as Betterment, Fidelity, and Vanguard (with select use of other managers where warranted). Paycheck to Wealth conducts statistical analysis of asset-class combinations and documents client objectives in an investor profile sheet, provides nondiscretionary advice, and monitors model portfolios on a semi-annual basis with rebalancing when allocation bands are exceeded.
What is atypical for a small independent adviser is the ongoing subscription-fee service and its periodic newsletter/seminar offerings, along with use of model testing and hypothetical/backtested analyses in portfolio construction and communications. The firm does not act as custodian or charge traditional percentage-of-AUM portfolio management fees, and disclosures note that associated persons may also engage in commission-based sales of other financial products, a potential conflict the brochure addresses.
Client services
Expertise
Fee options
$100 for a written financial plan
Associated persons may receive commissions as registered representatives of other broker-dealers; no obligation for clients to purchase through them.
Financial Planning Services at $100 per hour
Fee-only: Subscription service fees: Basic - $3/month or $35/year; Mid-Level - $5/month or $59/year; Gold Level - $10/month or $100/year; Financial Planning Services - $100/hour or $100 for a written plan with $50 deposit due at start
Main office
19785 W. 12 Mile Road, Suite 505
Southfield MI 48076
Advisors at this office
1
Most active in
Michigan
Also doing business as
Best Selection Properties · Paycheck To Wealth · Paycheck To Wealth, LLC · Shelmon, William, James Jr.
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:
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
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.
Forms ADV
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