Financial planning for Royal Oak professionals who plan ahead.
Fiduciary retirement, investment, and tax planning for Royal Oak professionals and families — coordinated under one roof, a straight shot east on I-696.
Sterling Heights, MI 48313
A straight shot east on I-696 from Royal Oak to our Sterling Heights office.
Coordinated planning for the way Royal Oak builds wealth
Royal Oak attracts people who are intentional about where they live and how they build their lives — one of the most sought-after cities in Oakland County, with a walkable downtown, strong home values, and a mix of longtime residents and professionals who put down roots here on purpose. That same intentionality shows up when they start thinking seriously about retirement.
The clients we work with from Royal Oak tend to look a little different from the rest of our Macomb County base. Many are dual-income professional households, healthcare workers from the nearby Beaumont corridor, or small business owners building wealth through 401(k) plans, brokerage accounts, and real estate rather than a traditional pension.
Their retirement income won't come from a single source, which means the planning has to account for how all of those pieces work together — especially the taxes. Summit builds plans that coordinate your investment strategy, withdrawal sequence, Social Security timing, tax exposure, and insurance needs into one clear picture. For Royal Oak clients who've saved across multiple accounts and asset types, that coordination is the difference between a good retirement and one full of second-guessing.
Situations we plan around
A few of the Royal Oak conversations we have most often.
Dual-income professional households — two careers, multiple account types, and no single pension to lean on.
Beaumont-corridor healthcare workers — 403(b)s, brokerage accounts, and a tax picture that needs sequencing.
Small business owners — wealth built through the business and real estate, not a traditional plan.
As a fiduciary firm, every recommendation we make is based on what is best for you — no commissions, no sales quotas, no proprietary products.
Financial services for Royal Oak clients
Retirement Planning
Income strategies, 401(k) rollovers, and pension buyout analysis tailored for retirees and pre-retirees — sequenced so your savings actually last.
Investment Planning
Portfolio management and asset allocation aligned with your long-term goals.
Learn moreTax Planning
Tax-efficient withdrawal strategies, coordinated with Summit Tax Services.
Learn moreEstate Planning
Legacy preservation and wealth-transfer strategies for your family.
Learn moreInsurance Solutions
Health, life, and long-term care coverage through Summit Health Services.
Learn moreSocial Security
Maximization reports and claiming strategies to optimize lifetime benefits.
Learn moreSee all services
Every piece coordinated by one team that actually talks to each other.
ExploreWhy Royal Oak residents choose Summit
Fiduciary standard
As a registered investment advisory firm, we are legally bound to act in your best interest — no commissions, no quotas.
A straight shot down I-696
Our Sterling Heights office is a straight shot east on I-696 from Royal Oak — and we've worked with families across Oakland and Macomb Counties for over two decades.
One roof, one team
Investment management, tax, insurance, and estate strategy coordinated together — nothing falls between three advisors who never talk.
Trusted since 2003
Over two decades helping Michigan families build, preserve, and transfer wealth — with a clean regulatory record.
How we’ll work together
A structured three-stage approach that takes you from a first complimentary conversation to an ongoing partnership — with your full financial picture coordinated under one roof.
Discovery & foundation
It starts with a complimentary consultation. We get to know your goals, review your complete financial picture and key documents, talk through risk tolerance, and pinpoint the opportunities worth acting on first.
Strategy & design
We build a personalized plan around your timeline — investment strategy, tax-efficient withdrawals, Social Security timing, and protection needs woven into one clear roadmap.
Implementation & growth
We put the plan in motion together and stay with you — with regular review meetings and adjustments as markets shift, tax laws change, and life keeps moving.
Royal Oak, frequently asked
Where is your office relative to Royal Oak?+
Our office is at 43409 Schoenherr Road in Sterling Heights — a straight shot east on I-696 from Royal Oak. We've worked with families across Oakland and Macomb Counties since 2003, and you're welcome to meet in person or by phone.
Are you a fiduciary?+
Yes. As an SEC-registered investment advisory firm, we are legally bound to act in your best interest at all times. Our advice is fee-based — no commissions, no sales quotas, and no proprietary products.
What does the first meeting cost?+
Your initial consultation is complimentary and carries no obligation. It's simply a chance for us to understand your situation and for you to decide whether we're the right fit.
Who do you typically work with in Royal Oak?+
Dual-income professional households, healthcare workers from the Beaumont corridor, and small business owners — people who've built wealth across 401(k)s, brokerage accounts, and real estate rather than through a single pension.
My retirement income won't come from a pension. Can you still help?+
Absolutely — that's most of our Royal Oak clients. When income comes from several sources, the planning has to coordinate your withdrawal sequence, Social Security timing, and tax exposure so the pieces work together. That coordination is exactly what we do.
Do you handle taxes and insurance too?+
Yes. Tax-efficient withdrawal planning is coordinated through Summit Tax Services, and health, life, and long-term care coverage through Summit Health Services — so your full picture is managed under one roof.
Talk through your Royal Oak retirement plan with an independent fiduciary
Schedule a complimentary consultation, or call our Schoenherr Road office and ask for a real conversation — no script, no pressure.