Birmingham, MI Office
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Planning Alternatives Ltd
Team
Firm-wide stats for Planning Alternatives Ltd
About
Planning Alternatives Ltd. provides wealth management, financial planning and investment management to a mix of individual clients (including high-net-worth individuals), qualified retirement plans, trusts, charitable institutions, foundations and business entities. The firm also offers Family Office services under a separate agreement and provides ongoing advisory oversight and consulting alongside portfolio management.
The firm’s investment approach is grounded in Modern Portfolio Theory, implementing globally diversified, risk‑based portfolios across equities, fixed income and alternative strategies using mutual funds, ETFs, ETNs and individual securities while emphasizing low‑cost solutions. Research combines fundamental and technical analysis, and an Investment Committee meets regularly to review allocations and execute aggregated trades consistent with client investment policy statements.
Distinctive aspects include serving as an ERISA fiduciary and acting as a Section 3(38) investment manager for qualified retirement plans, which transfers discretionary investment‑selection responsibility to the firm. Planning Alternatives also discloses all‑inclusive advisory billing for combined planning and management services, offers Family Office coordination with a retainer structure, and does not vote client proxies (custodians send proxy materials directly to clients).
Based on Planning Alternatives Ltd
Expertise
Based on Planning Alternatives Ltd
Location
255 South Old Woodward Ave., Suite 310
Birmingham MI 48009-6615
Advisors at this office
6
Advisors at this office
Kent G
CFP®, Series 65
Birmingham, MI
Planning Alternatives Ltd
Kent Golightly is a CFP® professional with seven years of industry experience, currently serving as an advisor at Planning Alternatives Ltd in Birmingham, MI. Before joining Planning Alternatives Ltd, he worked at BDO USA, LLP for four years. Planning Alternatives Ltd offers wealth management, financial planning, and investment management services to individuals, retirement plans, trusts, charitable institutions, and business entities. The firm employs a Modern Portfolio Theory-based approach using diversified, risk-based portfolios and serves as an ERISA fiduciary and Section 3(38) investment manager for qualified retirement plans.
Stacey G
Series 63, Series 65
Birmingham, MI
Planning Alternatives Ltd
Stacey Gomez is a financial advisor at Planning Alternatives Ltd with 16 years of industry experience. She holds her Series 63 and Series 65 designations and has been with Planning Alternatives Ltd since 2009. Planning Alternatives Ltd provides wealth management, financial planning, and investment management services to individuals, qualified retirement plans, trusts, charitable institutions, foundations, and business entities. The firm employs a globally diversified, risk-based investment approach grounded in Modern Portfolio Theory and offers Family Office services along with fiduciary and Section 3(38) investment management for qualified retirement plans.
Thomas G
CFP®, Series 63, Series 65
Birmingham, MI
Planning Alternatives Ltd
Thomas Graney is a CFP® professional with 35 years of industry experience. He currently works at Planning Alternatives Ltd, where he has been since 2022, following over three decades at Fidelity, including roles with Fidelity Brokerage Services and Fidelity Personal and Workplace Advisors. Planning Alternatives Ltd provides wealth management, financial planning, and investment management services to individuals, qualified retirement plans, trusts, charitable institutions, foundations, and business entities. The firm employs a Modern Portfolio Theory-based investment approach with globally diversified portfolios and offers Family Office services and ongoing advisory oversight.
David T
CFA®
Birmingham, MI
Planning Alternatives Ltd
David Tutak is a CFA® charterholder with Planning Alternatives Ltd in Birmingham, MI. He has worked in the financial services industry since 2016, including roles at Wells Fargo Advisors and Northwestern Mutual. Tutak has been with Planning Alternatives Ltd since 2019, contributing to the firm’s team of 10 advisors. Planning Alternatives Ltd provides wealth management, financial planning, and investment management services to individuals, qualified retirement plans, trusts, charitable institutions, foundations, and business entities. The firm employs a Modern Portfolio Theory-based approach to build globally diversified, risk-based portfolios and offers specialized services such as ERISA fiduciary oversight, Section 3(38) investment management, and Family Office coordination.
Nathan M
CFP®, Series 63
Birmingham, MI
Planning Alternatives Ltd
Nathan Mersereau is a CFP® and holds a Series 63 license with 19 years of industry experience. He has worked at Planning Alternatives Ltd. for multiple years since 2009, with an interlude at Wealthcare Advisors, LLC from 2011 to 2018. Planning Alternatives Ltd. provides wealth management, financial planning, and investment management services to individuals, qualified retirement plans, trusts, charitable institutions, foundations, and businesses. The firm employs a Modern Portfolio Theory-based approach with globally diversified, risk-based portfolios and serves as an ERISA fiduciary and Section 3(38) investment manager for retirement plans.
Timothy H
CFA®, Series 63
Birmingham, MI
Planning Alternatives Ltd
Timothy Hanna is a CFA® charterholder with one year of experience in the financial industry. He currently serves as an advisor at Planning Alternatives Ltd and previously worked at Flexible Plan Investments for 11 years. Planning Alternatives Ltd. provides wealth management, financial planning, and investment management to a diverse client base, including high-net-worth individuals, qualified retirement plans, trusts, and charitable institutions. The firm employs a risk-based investment approach grounded in Modern Portfolio Theory and serves as an ERISA fiduciary and Section 3(38) investment manager for qualified retirement plans.
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