Calder Financial Group
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Total assets under management
$297,000,000
This total excludes 33 entity clients. Entities are clients such as corporations, partnerships, or trusts.
Total clients
511
9% high-net worth
Total advisors
5
of 7 employees
Firm size
Team
4-10 advisors or $500M+ in AUM
Average clients per advisor
102
Average account size
$581,213
About
Calder Financial Group provides discretionary investment supervisory services and comprehensive financial planning to a mix of individual clients (including high‑net‑worth households) and institutional sponsors such as 401(k), 403(b), and defined‑benefit plans. As of December 31, 2025 the firm reported approximately $297 million in discretionary assets under management across roughly 511 client relationships and also offers consulting on private placements and periodic sub‑advisory arrangements.
The firm’s investment approach centers on establishing target asset allocations, periodically and tactically rebalancing those allocations, and using active manager selections within five model portfolios that range from conservative to equity growth; an investment committee meets regularly to review holdings and performance. Calder operates as a 3(38) fiduciary for clients and provides implementation and ongoing portfolio management on a discretionary basis, emphasizing allocation, risk control, and tax efficiency.
What distinguishes Calder from many peers is its affiliated consulting business that provides employee‑benefit consulting and third‑party administration (TPA) services for retirement plans, a relationship that generates separate fees and that the firm discloses and seeks to mitigate for conflicts of interest. The firm’s leadership also brings accounting and actuarial credentials (including CPA/EA/FSA designations) and discloses partner involvement as general partners in external real‑estate investments that may include client participation, with policies in place to address those conflicts.
Client services
Financial planning
Portfolio management
Pension consulting
Selection of other advisers
Newsletters or periodicals
Expertise
Retirement plans for business owners (SEP, solo 401k)
Wealth management
Tax strategies for small businesses
Real estate investing
Occupation focus
Founder/Business Owner
Retired
Fee options
Flat fee for consulting services on private placement investments, charged case-by-case
$0 - $1,000,000: 1.00% annually $1,000,000 - $2,000,000: 0.60% annually $2,000,000+: 0.40% annually
$250/hour for financial planning and specific advice
Minimum fee: Minimum quarterly fee of $50, negotiable Fee-only: Financial planning and specific advice billed at $250/hour
Main office location
Calder Financial Group
7504 Thornapple River Dr. Se
Ada MI 49301, United States
Number of offices
2
Most active in
Calder Financial Group has reported serving >5 clients in these states in the last 12 months.
Florida · Illinois · Michigan · Minnesota · Wisconsin
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is active or affiliated with:
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Is not active or affiliated with:
-
Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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