Frequently Asked Questions
Why do I need a financial advisor?
A financial advisor helps develop and manage a personalized financial plan that includes investments, retirement, tax strategies, and estate planning. When making significant financial decisions, working with a qualified advisor can support more informed and confident decision-making. A good time to meet with a financial advisor is during times of life transitions, such as entering or exiting the workforce, starting a family, inheriting money, purchasing or selling a business, and more. We are here to help you navigate these financial transitions.
Who do you typically work with?
Rooted in Michigan and licensed in multiple states, we support businesses, individuals, and families in achieving clarity and confidence in their financial lives through tailored planning and ongoing guidance.
What should I bring to my first meeting with you?
Most importantly, come ready to share your goals—we want to understand what matters most to you. To help us get a clear picture of your starting point, it’s also helpful to bring recent account statements, a current budget, and any relevant financial documents, such as tax returns.
Are you held to the fiduciary standard?
Yes, when providing advisory services, we act as investment fiduciaries for our clients, meaning we are committed to putting your best interests first. This ensures our recommendations are aligned with your goals and provides you with greater confidence in the guidance you receive.
How are you compensated?
We are happy to offer an initial discovery meeting to talk about your financial goals, address your questions, and determine whether our services are a good fit for you. If you decide to work with us, our compensation may include a percentage of the assets we manage for you, brokerage fees, or insurance commissions, depending upon the investment options that you choose.
How do you choose investments for clients?
We begin by getting a clear picture of your goals, comfort with risk, and investment timeline. From there, we create a well-diversified portfolio designed to align with your overall financial strategy.
Can you work with my CPA and/or attorney?
Yes. With your written permission, we can communicate with your CPA or attorney. Common examples would include providing your end-of-year tax statements directly to your tax preparer and coordinating with your attorney to develop an estate plan.
How often should I meet with my advisor?
We recommend revisiting your plan regularly and making adjustments as your life or financial circumstances evolve. Most clients connect with us one to four times each year, depending upon the complexity of their financial situation.
Will I still be supported if my advisor is unavailable or leaves the firm?
While you will have a dedicated advisor assigned to your portfolio, our team-based approach ensures you are always supported. Our advisors and licensed support staff work collaboratively, so there is always someone familiar with your plan and ready to assist. You will continue to have a point of contact who can help manage your financial strategy without interruption.
Do I have to meet with my advisor in person?
We offer two convenient office locations in Grand Blanc and Chesaning, Michigan, but we understand that busy schedules or logistics don’t always allow for in-person meetings. With today’s secure digital tools—such as encrypted email, client portals, and e-signature technology—we can often accomplish everything just as effectively through a virtual meeting or phone call. We are happy to connect in whatever way works best for you.
I’m not ready to invest yet—can you still help?
Everyone starts somewhere, and understanding your options is an important first step. We’re here to answer your questions, share insights, and help you explore strategies at a pace that feels right for you.
I’m ready to talk! How do we get started?
Let’s schedule a meeting! Please call one of our offices or email us at info@mmbadvisors.net to find a time that works for you.