IAM Financial
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$40,578,594
Clients
23
74% high-net-worth
Advisors
1
of 1 employees
Firm type
Independent
1 advisor with up to 2 employees
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
23
TypicalAverage account size
$1,764,287
About
IAM Financial, LLC is an independent advisory firm that provides financial planning and wealth management primarily to individuals, high‑net‑worth individuals, and trusts, managing roughly $40.6 million across 23 non‑discretionary accounts. Services described in the brochure include comprehensive financial and investment planning, portfolio construction and monitoring, tax analysis, and—when agreed—preparation of clients’ 1040 tax returns, along with regular client communications and educational materials.
The firm’s investment approach emphasizes a holistic integration of tax, investment, and estate considerations, using low‑cost exchange‑traded funds and no‑load mutual funds within asset allocation frameworks informed by modern portfolio theory and a long‑term orientation with an allocation tilt that may emphasize small‑cap exposure. Consistent with the brochure, IAM Financial generally operates in a non‑discretionary model: trades and rebalancings are proposed and executed only after client approval, with quarterly monitoring and at least two scheduled review meetings per year.
What is distinctive about IAM Financial compared with many peers is the combination of a sole owner who is both a CFP® and an IRS Enrolled Agent—allowing the adviser to provide tax representation and tax return preparation alongside investment advice—and the firm’s regular periodicals and digital content (a complimentary quarterly newsletter, blog, and micro‑blog). The firm also leverages an institutional custodian model marketplace and reporting tools while maintaining policies against commission‑based compensation and combining personalized service features such as same‑day callbacks and a 24‑hour financial emergency response.
Client services
Financial planning
Portfolio management
Newsletters or periodicals
Expertise
General retirement planning
Social Security optimization
General tax planning
Cash flow / budgeting
Wealth management
Fee options
Financial Planning fees generally range from $900 to $7,500, fixed quoted fee agreed upon in advance
$0 - $1,000,000: 1.00% $1,000,001 - $10,000,000: 0.50% $10,000,001+: 0.25%
$450 per hour for financial planning work cancelled before completion
Account minimum: $1,000,000 (Wealth Management service) with minimum annual fee applying below $2,000,000 assets Minimum fee: $10,000 minimum annual fee for Wealth Management ($2,500 billed quarterly)
Main office location
IAM Financial
East Lansing MI, United States
Number of offices
3
Most active in
IAM Financial has reported serving >5 clients in these states in the last 12 months.
Michigan
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 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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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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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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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
Quick links
Advisors at this firm
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