Summit Financial Working with People You Trust
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client AUMClient assets under management
$218,505,687
Clients
1,133
Advisors
6
of 6 employees
About
Summit Financial serves individuals (including a substantial retiree and pre‑retiree population), high‑net‑worth clients, trusts, businesses and qualified retirement plans, providing discretionary portfolio management, written financial planning, ERISA plan advisory services, insurance products and asset‑management assistance for employer plan accounts. The firm offers ongoing monitoring and consultative services and will tailor advisory services through a fact‑finding process.
The firm implements model portfolios built largely from no‑load mutual funds and ETFs and applies fundamental, technical and cyclical analysis to position accounts; Summit accepts discretionary authority and may engage sub‑advisors or third‑party platforms (including Envestnet, Orion and Valor) to manage portions of client assets. Given its client mix, Summit emphasizes preservation of principal while also employing a range of strategies — from long‑only to short/inverse positions and options — calibrated to client risk profiles and reviewed on a quarterly basis.
Distinctive features noted in the brochure include the firm’s use and distribution of formal performance reporting (quarterly statements via Envestnet and performance reporting from Gradient/ GI) and a disclosed incentive participation arrangement tied to a third‑party manager’s AUM. Summit also conducts educational seminars and workshops at no cost, and documents model allocations that range from a conservative portfolio (described as holding significant bond and inverse bond exposure at times) to an aggressive “Stock Rotation” portfolio that is 100% equities, choices that are notable given the firm’s sizable retiree client base.
Client services
Expertise
Occupation focus
Fee options
Financial Planning Services offered at flat fee up to $5,000
$0 - $500,000: 1.50% annually $500,001 - $1,000,000: 1.25% annually over $1,000,000+: 1.00% annually
Investment advisor representatives may receive commissions as registered representatives of an unaffiliated broker dealer
Hourly fee of $300 per hour for financial planning services
Fee-only: Hourly fees of $300/hour; Fixed fees up to $5,000 for financial planning
Main office
43409 Schoenherr Road
Sterling Heights MI 48313
Advisors at this office
6
Most active in
California · Florida · Michigan · Texas
Also doing business as
Summit Financial Consulting · Summit Financial Consulting LLC · Summit Financial Working With People You Trust
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.
Quick links
Advisors at this firm
Zachary B
CFP®, Series 63, Series 65
Sterling Heights, MI
Summit Financial Working with People You Trust
Zachary Bachner is a CFP® with seven years of experience in financial advising, currently serving at Summit Financial Working with People You Trust in Sterling Heights, MI. His professional background includes roles at Summit Financial Consulting LLC, Gradient Securities, LLC, and Summit Insurance Services, LLC. Bachner is also involved in tax preparation and insurance sales through related business activities. Summit Financial provides advisory services to individuals, high-net-worth clients, trusts, businesses, and qualified retirement plans. The firm offers discretionary portfolio management and written financial planning, using model portfolios composed mainly of no-load mutual funds and ETFs, and employs various investment strategies tailored to client risk profiles.
James B
Series 63, Series 65
Sterling Heights, MI
Summit Financial Working with People You Trust
James Baldwin is a financial advisor with Summit Financial Working with People You Trust in Sterling Heights, MI. He holds Series 63 and Series 65 licenses and has five years of industry experience. Prior to his current role, Baldwin worked at Gradient Securities, LLC, and has additional experience outside the financial sector including positions at Fiat-Chrysler Automotive and DTE Energy. He serves as co-trustee of a revocable living trust. Summit Financial serves individuals, high-net-worth clients, trusts, businesses, and qualified retirement plans by providing discretionary portfolio management, financial planning, ERISA plan advisory services, and insurance products. The firm employs model portfolios using no-load mutual funds and ETFs, applies various analytical approaches, and offers ongoing consultative services tailored through a fact-finding process.
Daniel L
CFP®, Series 63, Series 65
Sterling Heights, MI
Summit Financial Working with People You Trust
Daniel Ladzinski is a CFP® practitioner with two years of industry experience, currently serving as an investment advisor representative at Summit Financial Consulting LLC. He has prior experience with Strategic Wealth Advisors Group and American Retirement Advisors, and operates a retail sales business through DAL Essentials LLC. In addition to his advisory role, he is also licensed as an insurance agent. Summit Financial serves individuals, high-net-worth clients, trusts, businesses, and qualified retirement plans, providing portfolio management, financial planning, ERISA plan advisory, and insurance products. The firm uses a range of investment strategies tailored to client risk profiles and offers educational seminars and detailed performance reporting.
Robert W
Series 63, Series 65
Sterling Heights, MI
Summit Financial Working with People You Trust
Robert Wink is a financial advisor at Summit Financial Working with People You Trust with 38 years of industry experience. He holds Series 63 and Series 65 credentials and has been involved with Summit Financial Consulting LLC, Gradient Securities LLC, and Summit Tax Services LLC in various capacities since 1988. Wink also provides tax planning, tax return preparation, and bookkeeping services through Summit Tax Services. Summit Financial serves individuals, high-net-worth clients, trusts, businesses, and qualified retirement plans with discretionary portfolio management, financial planning, and ERISA plan advisory services. The firm uses model portfolios consisting largely of no-load mutual funds and ETFs, applying fundamental, technical, and cyclical analysis, and emphasizes principal preservation while employing a range of strategies tailored to client risk profiles.
James W
Series 63, Series 66
Sterling Heights, MI
Summit Financial Working with People You Trust
James Wink is a financial advisor with Summit Financial Working with People You Trust in Sterling Heights, MI, holding Series 63 and Series 66 licenses and having 20 years of industry experience. His career includes roles at Summit Tax Services LLC, Summit Insurance Services, LLC, Gradient Securities, LLC, and leadership of his own entities, James D. Wink, Inc. and James Wink, Sole Proprietor. Outside of advising, he serves as president of the Anchor Bay Community Foundation Kaarto Christian School Fund, overseeing scholarship application processes. Summit Financial serves individuals, high-net-worth clients, trusts, businesses, and qualified retirement plans, providing discretionary portfolio management, financial planning, ERISA advisory services, and insurance products. The firm uses model portfolios primarily composed of no-load mutual funds and ETFs, applying fundamental, technical, and cyclical analysis tailored to client risk profiles, with an emphasis on principal preservation and a range of strategies from conservative to aggressive equity allocations.
Kenneth W
Series 63, Series 65
Sterling Heights, MI
Summit Financial Working with People You Trust
Kenneth Wink is an investment advisor representative at Summit Financial Working with People You Trust with 24 years of industry experience. He holds Series 63 and Series 65 licenses and has held various roles in related businesses including tax services and health insurance. Outside of investment advising, he manages Kwink, Inc., a company established for tax purposes. Summit Financial serves individuals, high-net-worth clients, trusts, businesses, and qualified retirement plans with discretionary portfolio management, financial planning, ERISA plan advisory services, and insurance products. The firm employs a model portfolio approach using no-load mutual funds and ETFs, incorporates fundamental and technical analysis, and offers tailored services focused on principal preservation and a range of strategies calibrated to client risk profiles.
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