Financial planning for Shelby Township families ready for what's next.
Fiduciary retirement, investment, and tax planning for Shelby Township families and retirees — from our office minutes south on Schoenherr Road, since 2003.
Sterling Heights, MI 48313
Just minutes south of the Shelby Township border, on Schoenherr Road.
Helping Shelby Township families turn savings into income
Shelby Township is one of the largest communities in Macomb County, and for a lot of the families who settled here, that was the whole point — bigger lots, good schools, and room to build a life. Many of those same families are now reaching a point where the kids are grown, the mortgage is paid down, and retirement is no longer a distant idea. It's the next real decision.
The pattern we see with Shelby Township clients is consistent. These are people who did the right things for a long time — they maxed out their 401(k), kept their spending reasonable, maybe picked up a rental property along the way. Now they're sitting on a meaningful amount of accumulated wealth and need to turn it into reliable income for the next 25 or 30 years.
That transition from saving to spending is where most people get stuck, and it's exactly where good planning makes the biggest difference. When should I take Social Security? How do I pull from my accounts without creating a tax problem? Do I have enough to maintain our lifestyle? We answer those questions with a comprehensive plan that accounts for your full picture — investment, tax, and insurance under one roof — not a sales pitch for a single product.
Situations we plan around
A few of the Shelby Township conversations we have most often.
Empty-nesters nearing retirement — kids grown, mortgage paid down, and the saving-to-spending switch ahead.
Diligent 401(k) savers — a meaningful nest egg that now needs to become 30 years of income.
Owners of a rental or second property — coordinating real estate, investments, and taxes into one 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 Shelby Township 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 Shelby Township 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.
Minutes from Shelby Township
Our office on Schoenherr Road is just minutes south of the Shelby Township border — not a regional call center. We know Macomb County firsthand.
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.
Shelby Township, frequently asked
Do you have an office near Shelby Township?+
Yes. Our office is at 43409 Schoenherr Road in Sterling Heights — just minutes south of the Shelby Township border — and we've worked from here since 2003. You're welcome to meet in person or by phone, whatever is easiest.
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 Shelby Township?+
Retirees and pre-retirees who've spent decades saving — often through a 401(k), a pension, and sometimes a rental property — and now need to turn that accumulated wealth into reliable, tax-efficient retirement income.
How do I turn my 401(k) and savings into retirement income?+
That's one of the most common conversations we have. We build a withdrawal strategy that sequences income across your accounts, coordinates Social Security timing, and keeps your lifetime tax burden as low as possible — all in one plan.
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 Shelby Township retirement plan with someone local
Schedule a complimentary consultation, or call our Schoenherr Road office and ask for a real conversation — no script, no pressure.