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Shotwell Rutter Baer Inc

Updated today

Client AUM

$183,887,687

Clients

282

Advisors

5

of 7 employees

About

Shotwell Rutter Baer serves individual and high-net-worth clients, and may extend services to small employer retirement plans tied to existing AUM relationships. The firm offers comprehensive financial planning and investment management along with retirement, tax, estate, insurance and employee benefits advice delivered through project-based engagements, a subscription-based ongoing planning option, and traditional asset management.

The firm manages client accounts on a discretionary basis and follows a rules-based investment approach that generally recommends no-load mutual funds within a strict asset allocation framework, with trading largely limited to periodic rebalancing. Model portfolios and portfolio research are supported by an independent third party (East Bay Financial Services), and clients complete a multi-month onboarding and planning engagement before moving into ongoing management; account reviews are performed at least quarterly with semiannual client meetings offered.

Compared with many peers that primarily bill as a percentage of assets, Shotwell Rutter Baer uses a net-worth–tiered annual planning fee schedule for its ongoing planning program and also offers fixed-fee project work and a subscription planner access model. Other notable operational differences include a policy of not aggregating trades into block orders, retaining client responsibility for proxy voting, and accepting client authorization for direct fee deduction from custodial accounts.

Client services

Financial planning Portfolio management Selection of other advisers

Expertise

Cash flow / budgeting College savings (529s, UTMA, etc.) Retirement income strategy General estate planning guidance Life insurance needs analysis

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Fee options

Fixed

Project-based financial planning fixed fees from $2,400 to $22,000; Initial Planning Engagement fee of $2,400

Percentage

$0 - $749,999: $5,665 annually $750,000 - $999,999: $6,695 annually $1,000,000 - $1,499,999: $8,240 annually $1,500,000 - $1,999,999: $10,300 annually $2,000,000 - $2,999,999: $13,390 annually $3,000,000 - $3,999,999: $18,025 annually $4,000,000 - And up: $22,660 annually

Subscriptions

Ongoing financial planning subscription paid monthly (amount not specifically stated, but fees are based on net worth tiers)

Other

Minimum fee: Project-based financial planning fees range from $2,400 to $22,000; Initial Planning Engagement & Onboarding fee is $2,400 Fee-only: Project-based fixed fees and ongoing planning subscription fees

Main office

6350 West Michigan Avenue, Suite 200

Lansing MI 48917

Advisors at this office

5

Most active in

California · Florida · Hawaii · Indiana · Michigan · Texas

Also doing business as

Baer, Elizabeth Ellen · Elizabeth Rutter Baer Cfp · Elizabeth Rutter Baer Cfp Inc · Rutter Baer Inc · Rutter Baer Inc Registered Investment Advisor · Shotwell Rutter Baer Inc

Disclosures

Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.

Business activities & affiliations

Advisors at this firm

user avatar

Cole W

Series 65

Lansing, MI

Shotwell Rutter Baer Inc

Cole Williams is a financial advisor at Shotwell Rutter Baer Inc with a Series 65 designation and one year of industry experience. He previously worked at New York Life and has been involved with Carrabbas Italian Grill since 2017. Shotwell Rutter Baer provides advisory services to individuals and high-net-worth clients, offering comprehensive financial planning, investment management, retirement planning, tax and estate planning support, insurance and employee-benefits advice, and financial coaching. The firm emphasizes a strict asset-allocation framework using no-load mutual funds and offers a range of engagement and fee models without minimum portfolio size requirements.

Cash flow / budgeting College savings (529s, UTMA, etc.) Retirement income strategy General estate planning guidance Life insurance needs analysis
user avatar

Jeffrey R

Series 65

Lansing, MI

Shotwell Rutter Baer Inc

Jeffrey Rutter is a financial advisor at Shotwell Rutter Baer Inc with nine years of industry experience. He holds a Series 65 designation and has been with the firm since 2015. Shotwell Rutter Baer Inc provides advisory services to individuals and high-net-worth clients, offering comprehensive financial planning, investment management, retirement planning, tax and estate planning support, insurance and employee-benefits advice, and financial coaching. The firm emphasizes a strict asset-allocation framework using no-load mutual funds and offers a variety of engagement and fee models without minimum portfolio size requirements.

Cash flow / budgeting College savings (529s, UTMA, etc.) Retirement income strategy General estate planning guidance Life insurance needs analysis

Nick N

CFP®, TPCP®

Lansing, MI

Shotwell Rutter Baer Inc

Nick has been practicing financial planning since moving to the Lansing area in 2006. After studying Financial Management and Economics at Northern Michigan University, Nick ventured into the financial planning industry. Having a young daughter and wife, Nick wanted to stay in Michigan. At the time he graduated, one of the few jobs available for a finance major was as a financial advisor. Nick struggled through his first few years in the profession. He relates the struggle to his early memories of money living in Spring Lake, Michigan. One of the things he learned about money when he was growing up was the people who seemed to have the most of it, weren’t inherently happier than those who didn’t. When he started in the financial advising industry, the profession appeared to be all about making money, something he didn’t hold in high esteem. Some years later, around the time his son was born, Nick finally started to figure out his place in the financial planning world. He was challenged to answer the question of why he did what he did. Thinking back on his early memories of money, he concluded he was in the financial planning profession to help people realize their life goals. Shortly after his realization, he was introduced to the pioneers in the industry such as Mitch Anthony and the Money Quotient team. His career in financial life planning was born. Listen to Nick's podcast: https://srbadvisors.com/category/podcast-kitchen-table-finance/

General retirement planning University Employee Baby Boomers (Born 1946-1964)
user avatar

Ashley S

Series 65

Lansing, MI

Shotwell Rutter Baer Inc

Ashley Sajor is a financial advisor with Shotwell Rutter Baer Inc in Lansing, MI, holding a Series 65 designation and two years of industry experience. Prior to joining Shotwell Rutter Baer, Ashley worked at United Atlantic Insurance and held roles outside finance, including at MSU Library and Quiet Storm Surf Shop. Shotwell Rutter Baer provides advisory services to individuals and high-net-worth clients, offering comprehensive financial planning, investment management, retirement, tax and estate planning support, insurance advice, and financial coaching. The firm emphasizes a strict asset-allocation framework using no-load mutual funds and offers a variety of engagement and fee models, including fixed-fee project work and subscription-based ongoing planning without a minimum portfolio size.

Cash flow / budgeting College savings (529s, UTMA, etc.) Retirement income strategy General estate planning guidance Life insurance needs analysis

David S

CFP®

Lansing, MI

Shotwell Rutter Baer Inc

David joined the firm early in 2013. A 1995 graduate of the University of Michigan in Ann Arbor, David has worked in the financial services industry since March, 2000. He is a member of the National Association of Personal Financial Advisors (NAPFA), and Treasurer of the Michigan Financial Planning Association. Our mission at Shotwell Rutter Baer is to cut through the complexity in our clients’ financial lives, delivering financial planning and investment advice that is both personal and practical. We are devoted to a strict fiduciary duty, honing our craft, and providing the highest degree of professionalism while maintaining the intimate, “kitchen table” approach to client relationships upon which our practice was founded.

General retirement planning University Employee Public Service Employee Gen X (Born 1965-1980)
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