Financial planning from the firm that calls Sterling Heights home.
Fiduciary retirement, investment, and tax planning for Sterling Heights families and retirees, from our office on Schoenherr Road, since 2003.
Sterling Heights, MI 48313
Serving the families and retirees who built Sterling Heights
Summit Financial Consulting has been part of the Sterling Heights community since 2003, working from our office on Schoenherr Road with the same families and retirees who make this one of the most established cities in Macomb County. After decades in automotive and defense manufacturing, this is a city of people who did things the right way and saved consistently, and now need a clear plan to make that money last.
Many of our Sterling Heights clients are retired or within a few years of retiring from careers at the Big Three, their suppliers, or the defense contractors near the TACOM corridor. They come to us with 401(k) rollovers, pension buyout decisions, and questions about when to file for Social Security.
These aren't cookie-cutter situations. A GM salaried retiree with a pension, deferred comp, and a spouse still on employer insurance faces very different decisions than someone leaving a Tier 1 supplier with a lump-sum option and no retiree healthcare. We build plans around those specifics, and because investment management, tax planning, and insurance live under one roof, the pieces actually fit together.
Situations we plan around
A few of the Sterling Heights conversations we have most often.
Big Three retireePension, deferred comp, and a spouse still on employer insurance.
Tier 1 supplier exitA lump-sum buyout option and no retiree healthcare.
Business owners on Hall Rd & Van DykeBuilding retirement without a pension safety net.
As an SEC-registered investment adviser, we are held to a fiduciary standard, required to act in your best interest. How we are compensated, and the conflicts of interest that come with it, are described in our Form ADV Part 2A.
Financial services for Sterling Heights 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 Sterling Heights residents choose Summit
Fiduciary standard
As an SEC-registered investment adviser, we are held to a fiduciary standard and required to act in your best interest. See our Form ADV Part 2A.
Right here in town
Our office is on Schoenherr Road, not a regional call center. We know Sterling Heights and Macomb County firsthand.
One roof, one team
Investment management, tax, insurance, and estate strategy coordinated together, so 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.
Sterling Heights, frequently asked
Do you have an office in Sterling Heights?+
Yes. Our office is at 43409 Schoenherr Road, Sterling Heights, MI 48313, and we've worked from here since 2003. You're welcome to meet in person or by phone, whatever is easiest for you.
Are you a fiduciary?+
Yes. Summit Financial Consulting is an SEC-registered investment adviser and is held to a fiduciary standard, which means we are required to act in your best interest. How we are compensated, and the conflicts of interest that come with it, are described in our Form ADV Part 2A. You can read it on this site before you ever meet with us.
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 Sterling Heights?+
Retirees and pre-retirees from the Big Three, their suppliers, and the defense contractors near the TACOM corridor, along with local small business owners and professionals along the Hall Road and Van Dyke corridors who are building retirement on their own terms.
Can you help with a 401(k) rollover or pension buyout decision?+
Absolutely. These are some of the most common conversations we have. We help with 401(k) rollovers, pension lump-sum versus annuity analysis, income strategies, and when to file for Social Security, all coordinated into 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 Sterling Heights 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.