Stalt Financial, LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Stalt Financial, LLC provides discretionary and non‑discretionary portfolio management and financial planning to individuals (including high‑net‑worth clients), business owners, and business entities. The firm reports approximately $21.1 million in assets under management, serves client accounts through institutional custodians, and states it does not impose account minimums for services.
Investment decisions are guided by a written Investment Policy Statement for each client and by a mix of proprietary research, third‑party analytics, and diversified ETFs, with the firm noting use of defined‑outcome strategies that may trade some upside potential for downside protection. SFL also uses licensed third‑party model portfolios implemented through a sub‑advisor and digital platforms (including Betterment Advisor Solutions and Smartleaf) and conducts regular reviews with the flexibility to make tactical adjustments when appropriate.
Distinctive features include that the firm’s principal owners are licensed insurance agents who may recommend insurance products and receive commissions, a relationship SFL discloses and documents as a potential conflict and seeks to mitigate. The firm’s use of licensed model portfolios, access to third‑party research tools provided through its model provider relationship, and a business‑to‑business partnership offering small business consulting and educational workshops are notable operational features for a small, two‑advisor advisory firm.
Client services
Expertise
Occupation focus
Fee options
Fixed fees for financial planning services range from $500 to $100,000, typically $1,500 to $10,000 for initial year.
$1 - $250,000: 0.85% $250,001 - $500,000: 0.80% $500,001 - $1,000,000: 0.75% $1,000,001 - $2,000,000: 0.70% $2,000,001 - $5,000,000: 0.60% $5,000,001 - $10,000,000: 0.50% $10,000,001+: 0.40%
Licensed insurance agents may receive commissions for sale of insurance products; advisory fees are primary compensation.
Negotiated hourly fees between $25 and $1000 for financial planning or project services.
Fee-only: Financial planning fixed fees typically $1,500 to $10,000; may be up to $100,000 for complex cases; hourly fees negotiated between $25 and $1000.
Main office
5700 Crooks, Suite 212
Troy MI 48098
Advisors at this office
2
Most active in
Michigan
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
Quick links
Advisors at this firm
Catherine T
Series 65
Troy, MI
Stalt Financial, LLC
Catherine Toone is a Series 65-licensed financial advisor with approximately two years of industry experience. She is currently with Stalt Financial, LLC and has held prior roles at several firms, including Brookstone Wealth Advisors and Advanced Capital Group. Outside of advising, she is a licensed insurance agent. Stalt Financial, LLC provides discretionary and non-discretionary portfolio management and financial planning to individuals, business owners, and entities, including high-net-worth clients. The firm employs a combination of proprietary research, third-party analytics, diversified ETFs, and defined-outcome strategies, and offers small business consulting and educational workshops.
Daniel Z
CFP®, ChFC®, Series 66
Troy, MI
Stalt Financial, LLC
Daniel Zech is a CFP® and ChFC® with nine years of experience in financial advising. He is currently with Stalt Financial, LLC, where he has worked since 2022, and previously held roles at MML Investors Services, LLC and FAI Advisors, Inc. Outside of his advisory work, Zech is a co-owner of Lone Light Spirits, LLC, a distillery company, though he is not actively involved in the business. Stalt Financial, LLC provides portfolio management and financial planning services to individuals, business owners, and entities, managing approximately $21.1 million in assets. The firm uses proprietary and third-party research, diversified ETFs, and licensed model portfolios, focusing on investment strategies that balance downside protection with growth potential, and also offers small business consulting and educational workshops.
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