Steel Toe Wealth
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About
Steel Toe Wealth provides fee-only financial planning and discretionary investment management to individuals, high-net-worth clients, and businesses, with a clear emphasis on business-owner needs. Services include comprehensive financial planning, project-based engagements for business exits and succession, ongoing portfolio management for individual owners, and Fractional CFO services for operating businesses.
The firm’s investment approach combines asset-allocation principles rooted in Modern Portfolio Theory with both passive and active strategies, and it evaluates securities using fundamental, technical, and cyclical analysis to craft client-specific portfolios. Clients work with the firm through defined packages that begin with a multi-month planning and implementation phase and may transition to ongoing maintenance and operational financial support for businesses.
Compared with peers, Steel Toe Wealth uses a mix of billing arrangements that include flat project fees, fixed monthly fees, and hourly billing for certain engagements—a mix that is less common for firms in this category. The firm offers business-focused planning and Fractional CFO services alongside individual portfolio management and does not serve as a private-fund adviser.
Client services
Expertise
Occupation focus
Demographic focus
Fee options
Flat fees ranging from $5,000 to $20,000 for 'The Cash Out' and 'The Hand Off' services; $7,995 flat fee for 'The Build'; $2,500/month for 'The Books' Fractional CFO services
Hourly rate of $400 for 'The Cash Out' service
Minimum fee: Annual minimum fee of $11,964 for 'The Maintenance' service Fee-only: Fee-only firm, no commissions or other sales-related compensation
Main office
2222 W. Grand River Ave, Ste A
Okemos MI 48864
Advisors at this office
1
Most active in
Michigan
Also doing business as
Steel Toe Wealth · Steel Toe Wealth LLC
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
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.
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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
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