Wealth Management Institute, Inc.
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Wealth Management Institute provides financial planning and consulting services to individuals, high-net-worth clients, and to employee benefit plans and other institutional entities. The firm does not provide ongoing discretionary portfolio management and reports no assets under management.
Its advisory work is delivered through tailored, written plans and consultations that use proprietary processes called the Creative Income Strategy™ and the LEAP System™ and emphasize asset allocation, risk-tolerance assessment, and income planning. Recommendations typically focus on mutual funds, ETFs and individual securities, and clients implement trades through custodians or broker-dealers of their choice.
Distinctive features include a documented pension consulting practice for plan sponsors and fiduciaries, and a billing model that relies on hourly, project and retainer arrangements rather than percentage-of-assets or performance-based fees. The firm discloses affiliations with insurance agencies and broker-dealer relationships that can result in commission-based compensation, and it receives research and periodic materials (including business/compliance newsletters) from its recommended broker-dealer.
Client services
Expertise
Demographic focus
Fee options
Consulting project fees minimum $1,450; annual retainer $950; minimum project fee for LEAP and Creative Income Strategy ranges from $1,600 to $12,000
$0 - $250,000: $1,600 minimum project fee $250,001 - $500,000: $3,500 minimum project fee $500,001 - $1,000,000: $6,500 minimum project fee $10,000,001+: $12,000 minimum project fee
Commission-based compensation earned by associated persons as registered representatives and insurance agents; commissions separate from advisory fees
$325 per hour for consulting and pension consulting services
Annual retainer fee of $950 for up to 2 meetings and 2 hours of consultation over one year
Minimum fee: Minimum project fee ranges from $1,600 to $12,000 depending on gross income or total assets Fee-only: Financial planning and consulting fees: $325/hour; consulting project fees minimum $1,450; annual retainer $950/year for up to 2 meetings and 2 hours consultation, additional at $325/hour
Main office
4710 W. Saginaw, Suite B
Lansing MI 48917
Advisors at this office
2
Most active in
California · Michigan · Texas
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
Stefan C
Series 63, Series 65, Series 66
Lansing, MI
Wealth Management Institute, Inc.
Stefan Cherniawski is a financial advisor at Wealth Management Institute, Inc. in Lansing, MI, holding Series 63, Series 65, and Series 66 licenses with two years of industry experience. His prior roles include positions at Madison Avenue Securities, Fountain and Co, and Transamerica Financial Advisors, Inc. Wealth Management Institute provides financial planning and consulting services to individuals, high-net-worth clients, and employee benefit plans. The firm delivers advisory work through tailored written plans and consultations that emphasize asset allocation, risk tolerance, and income planning, without ongoing discretionary portfolio management.
Francis C
CFP®, Series 63
Lansing, MI
Wealth Management Institute, Inc.
Francis Cherniawski is a financial advisor with Wealth Management Institute, Inc. in Lansing, MI, holding CFP® and Series 63 credentials and bringing 39 years of industry experience. He has worked with multiple firms including Madison Avenue Securities, Inc. and Global Financial Opportunities Corp. Outside of advisory services, he is vice president of Pohl and Associates, Inc., where he sells various types of insurance and annuities. Wealth Management Institute provides financial planning and consulting services to individuals, high-net-worth clients, and institutional entities. The firm delivers tailored written plans using proprietary processes focused on asset allocation, risk tolerance, and income planning, primarily recommending mutual funds, ETFs, and individual securities without ongoing discretionary portfolio management.
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