Great Lakes Bay Financial
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$0
Clients
0
Advisors
2
of 2 employees
Firm type
Supported
1-3 advisors or $200M+ in AUM
Clients per advisor
113
Very HighAverage account size
—
About
Great Lakes Bay Financial provides discretionary asset management alongside financial planning and consulting to a varied client base that the firm describes as including individual investors, high‑net‑worth individuals, trusts, estates, charitable organizations and business entities. Services include ongoing portfolio management as well as full financial plans and shorter consultation engagements tailored to particular topics.
The firm documents client goals, time horizon and risk tolerance to set investment objectives and typically exercises discretionary authority to implement asset allocation and security selection using fundamental and technical analysis. Account reviews are performed at least quarterly and the firm also offers financial planning on an hourly basis, in addition to its asset management services.
Notable distinctions for this small, two‑principal firm include disclosed outside business activities: the principals act as independent insurance agents and one principal also maintains a separate law practice, each reported as occupying less than 10% of their time and identified as potential conflicts that are mitigated by disclosure. The ADV also notes that the firm reported no assets under management as of the most recent filing and was reestablished after failing to renew its registration in 2025.
Client services
Expertise
Fee options
up to 1.5% annually (negotiable)
$200 per hour for financial planning
Main office location
Great Lakes Bay Financial
4901 Towne Centre Road, Suite 113
Saginaw MI 48604, United States
Number of offices
1
Most active in
Michigan · Texas
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Lawyer
They provide legal services, typically billed separately.
Is not active or affiliated with:
-
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
-
Bank
They're affiliated with a bank that may offer its own financial products and services.
-
Trust company
They provide trust and estate administration services, typically for separate fees.
-
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
-
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
-
Real estate agent
They facilitate real estate transactions and may earn commissions.
-
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
Quick links
Not sure where to start?
We'll help you think it through – whether you ultimately need an advisor or not.
Warmer provides personalized recommendations and introductions to independent fiduciary advisors. We do not supervise advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.
Each advisor listed on our site is an independent fiduciary responsible for their own advice. Warmer may receive fees from advisors for participation or referrals; these fees are paid by advisors and do not affect the fees clients pay for advisory services.
For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Please review an advisor's Form ADV and do your own diligence before entering into an advisory relationship.
By using our service, you agree to Warmer's Terms of Service and Advisory Agreement and Privacy Policy. Logos provided by Logo.dev
© 2026 Warmer Holdings Inc. ("Warmer")