Our Services

Are you 100% confident you’re doing all you can to prepare for your future? What would you ask if you could sit down with a financial expert?
  • Do we have enough money?
  • How do we safely retire with confidence, freedom, and peace?
  • Are our investments safe? What else should we do? How do we plan for the unexpected?

Don’t worry, stress, or fear any longer. Allow Michels Family Financial to help you discover a clear path to your future so you can take each step in confidence.  

Our services include:

Wealth Management & Investment Services

  • Custom development of a personalized portfolio and continual monitoring of your investments
  • Frequent meetings to review and evaluate your investment performance, update your financial objectives, and reallocate your portfolio when necessary
  • Strategic recommendations regarding allocations within your employer-provided retirement plans
  • Aggregation of all your accounts to simplify and reduce paperwork

Retirement Income & Distribution Planning

  • Analysis of your desired lifestyle and income needs now and in the future to help you maintain your desired standard of living in retirement
  • Education, analysis, and custom strategies for maximizing your Social Security benefits (Dr. Nicholas E. Michels is a National Social Security Advisor.)
  • Recommendations regarding the most appropriate distribution strategy for your IRAs and employer retirement plans, including PERS, 401(k), 403(b), 457, and other pension plans
  • Analysis of potential estate tax liabilities
  • Analysis of the beneficiary structure of your retirement plans
  • Review the possibilities of converting to a Roth IRA
  • Strategic analysis to maximize the sale of a business
  • Custom plans to utilize, protect, and preserve an inheritance

Social Security Strategic Planning

  • Insightful, relevant, and helpful Social Security education and training
  • Strategic planning to help you and your family maximize all the benefits entitled to you
  • Guidance through the Social Security and Medicare process

Risk Management Planning

  • Education on the types of risk, including everyday risk and investment risk
  • Creation of a protection plan that maximizes, protects, and preserves your investments and your way of life
  • Guidance for you and your family on how to prepare for the unexpected

Tax Reduction Planning

  • Tax harvesting and reduction strategies
  • Tax-advantaged investments
  • A comprehensive review of your tax return to highlight opportunities to help reduce tax liabilities
  • Ongoing review of your tax situation to incorporate new tax law changes
  • Complimentary consultations with your tax preparer

Family Wealth Planning: Estate and Legacy Planning

  • Custom strategies for an effective and efficient transfer—the quickest and least costly way to make sure your money goes exactly where you desire
  • Analysis of your current estate plan and potential tax liabilities
  • Assistance transferring assets to your living trust or other trusts
  • Review of beneficiary designations and asset titling
  • Analysis of your insurance and long-term care needs
  • Facilitation of a legacy session to educate the next generation
  • Complimentary consultations with your attorney or introduction of a specialized attorney
  • Guidance, advice, and management in the event of the death of a loved one

Educational Events & Communication

  • Special education on how to help reduce your taxes and other important topics
  • Newsletters to keep you apprised of the most current planning options
  • Fun and informative events, including educational symposiums, client appreciation events, and client advocate dinners

Personalized Attention

  • Frequent reviews
  • One-on-one planning for life events
  • Independent advice
  • Secure online access to your accounts and online planning tools

Consulting Services for Businesses

Michels Family Financial provides comprehensive consulting services to business owners, including:

    • Strategic planning
    • Proactive tax strategy
    • Retirement and exit planning
    • Corporate structure
    • Team and leadership development