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Justin Cherwinski

Advisor at ASSET ALLOCATION STRATEGIES, llc

Updated today

Location

South Boardman, MI

Credentials

Series 63, Series 65

Industry experience

11 years

About

Justin Cherwinski is a financial advisor with ASSET ALLOCATION STRATEGIES, LLC and holds Series 63 and Series 65 licenses. He has 11 years of industry experience, including prior roles at GLP Investment Services, LLC, GLP & Associates, and The Huntington Investment Company. Outside of his advisory work, he is also an insurance agent focusing on life insurance and fixed/index annuity sales. ASSET ALLOCATION STRATEGIES, LLC serves individual retail clients and plan sponsors, managing both personal and employer-sponsored retirement accounts. The firm employs quantitative asset allocation techniques and a mix of proprietary and third-party model portfolios, serving nearly 3,900 clients with approximately $767 million in assets under advisement.

Client services

Based on ASSET ALLOCATION STRATEGIES, llc

Financial planning Portfolio management Selection of other advisers Educational seminars or workshops

Expertise

Based on ASSET ALLOCATION STRATEGIES, llc

Wealth management Passive / index investing Active portfolio management Retirement plans for business owners (SEP, solo 401k) College savings (529s, UTMA, etc.)

Occupation focus

Based on ASSET ALLOCATION STRATEGIES, llc

Founder/Business Owner Executive

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Fee options

Fixed

Financial planning flat fee ranging from $500 to $15,000, depending on complexity and services; fees are negotiated

Commissions

Commission-based compensation earned by some representatives as registered representatives for certain securities and insurance products, separate from advisory fees

Project-based

Up to $350 per hour for advisory or financial planning services

Other

Account minimum: $25,000 initial deposit or $500/month periodic contributions Fee-only: Maximum 2% annually of assets under management, billed quarterly in advance; fees are negotiable and tailored per client

Location

South Boardman, MI

Most active in

Michigan

Work history

ASSET ALLOCATION STRATEGIES, llc

2023 - Present (3 years)

GLP Investment Services, LLC

2017 - Present (9 years)

GLP & Associates

2017 - Present (9 years)

The huntington Investment company

2015 - 2017 (2 years)

Huntington National Bank

2015 - 2017 (2 years)

Disclosures

Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.

Business activities & affiliations

user avatar

Dawn M

Series 63, Series 65

Kalkaska, MI

Sensible Financial Solutions, LLC

Dawn Moses is a financial advisor at Sensible Financial Solutions, LLC with 17 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Sensible Financial Solutions since 2017, following a year at PNC Investments. Outside of finance, she has provided private piano instruction since 1999 and serves as chair of the Kalkaska Conservation District Board. Sensible Financial Solutions primarily serves individual and high-net-worth clients with financial planning and portfolio management, employing a mainly passive investment approach focused on diversified index funds and ETFs. The firm coordinates third-party portfolio management and offers services including direct indexing with ESG and tax customization.

Cash flow / budgeting Debt management Retirement income strategy General estate planning guidance Tax strategies for small businesses
user avatar

Randall K

Series 63, Series 65

Williamsburg, MI

I Am, Inc.

Randall Kamps is the sole advisor at I Am, Inc., an independent firm based in Williamsburg, Michigan. He holds Series 63 and Series 65 licenses and has 15 years of industry experience. Kamps has been with I Am, Inc. since 2001 and has also been affiliated with Massachusetts Mutual Life Insurance Company since 1996. Outside of his advisory role, he serves as president and owner of a third-party administrative business. I Am, Inc. specializes in holistic retirement income planning and consulting for individuals and retirement plan sponsors. The firm focuses on retirement topics such as Social Security, annuities, long-term care, and estates, and refers clients to third-party asset managers for investment implementation, operating primarily as an advisory and referral practice rather than a discretionary manager.

Retirement income strategy Social Security optimization Annuities Long-term care insurance Retirement plans for business owners (SEP, solo 401k) Retired

Darren C

CFP®, ChFC®

South Boardman, MI

Conklin Financial Management, LLC

Darren Conklin founded Conklin Financial Management in 2017 with his wife, Barbara, after determining throughout his career in financial services that many people would be better served with a fee-based, fiduciary approach to planning and an investment philosophy built on a foundation of market information and financial science. Darren is a University of Michigan graduate and proud father of two and grandfather of three. He has been a business owner for many years and has extensive experience with starting, buying, and selling businesses; college funding; long term care; divorce; and retirement accumulation and income planning. Darren has been heavily involved in the community including many years as a high school football coach, board member and volunteer across many different organizations.

Business ownership considerations Family Business Business exit / sale strategy Founder/Business Owner Gen X (Born 1965-1980)
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David J

CFP®, Series 63, Series 65

Williamsburg, MI

UNITED PLANNERS' FINANCIAL SERVICES of AMERICA a Limited Partner

David Jung is a CFP® professional with 38 years of industry experience. He has been affiliated with UNITED PLANNERS' FINANCIAL SERVICES of AMERICA since 1995 and has operated Dave Jung & Associates since 1991. His background includes ownership of a non-variable insurance agency in Williamsburg, MI. United Planners Financial Services serves a diverse client base including individuals, corporations, charitable organizations, retirement plans, and institutional clients. The firm offers financial planning, portfolio management, retirement plan services, and brokerage solutions through a network of 477 independent Investment Advisor Representatives, operating an open-architecture platform with multiple custodians and third-party money managers.

Retirement income strategy Social Security optimization Cash flow / budgeting Wealth management Founder/Business Owner Retired Executive Established Professionals
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Matthew Q

Series 63, Series 65

Traverse City, MI

FIFTH THIRD SECURITIES, Inc.

Matthew Quinter is a financial advisor at Fifth Third Securities, Inc. based in Traverse City, MI. He holds Series 63 and Series 65 licenses and has 18 years of industry experience. Quinter has been with Fifth Third Securities since 2007 and has worked at Fifth Third Bank since 2003. Fifth Third Securities, Inc. provides brokerage and investment advisory services through its Passageway Managed Account Program to individuals, charitable organizations, corporate clients, and institutional investors. The firm offers multiple discretionary managed-account programs and features such as direct indexing and tax-overlay services, operating as a wholly owned subsidiary of Fifth Third Bank.

Passive / index investing Tax-loss harvesting ESG / Sustainable investing General retirement planning
user avatar

Maurice D

Series 66

Traverse City, MI

LPL Financial

Maurice Dennis II is a financial advisor with LPL Financial in Traverse City, MI, holding a Series 66 designation and 25 years of industry experience. He has been with LPL Financial and its predecessor firms since 2007. Outside of his advisory role, he is a notary public. LPL Financial provides advisory and brokerage services to a diverse client base, including individual investors, retirement plan sponsors, institutions, charities, and high-net-worth households. The firm offers a wide range of financial planning and asset management solutions supported by an in-house research team and a large network of investment adviser representatives.

Wealth management Retirement plans for business owners (SEP, solo 401k) College savings (529s, UTMA, etc.) Tax-loss harvesting Founder/Business Owner Retired
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