L
Lyman Financial
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$0
Clients
0
Advisors
1
of 1 employees
Firm type
Independent
1 advisor
Clients per advisor
0
Average account size
—
About
Although registered as an investment-manager adviser, the firm does not manage client assets and instead provides ongoing financial planning services to individual clients — a client focus that is uncommon among firms in the investment-manager category. Its planning scope includes cash flow, debt, insurance, estate, tax, and investment planning and the firm reports no account minimums.
For investment guidance the firm favors a diversified buy-and-hold approach using exchange-traded funds and emphasizes financial-planning advice rather than discretionary portfolio management; it does not trade client accounts or accept custody. Reviews of planning engagements are performed on a quarterly basis or upon client request, and the firm does not recommend third-party advisers or participate in wrap programs.
Notable differences from typical peers include the firm’s use of fixed, non-AUM planning fees and advance fee collection rather than percentage-of-assets fees, and the fact that the firm operates with a single management person who maintains full-time employment outside the advisory business. The combination of serving individual (non‑HNW) clients, reporting no managed assets, and avoiding AUM-based compensation distinguishes the firm from many other investment-manager registrants.
Client services
Financial planning
Expertise
Cash flow / budgeting
Debt management
General estate planning guidance
General tax planning
Passive / index investing
Fee options
Fee-only: Fixed rate of $375 per quarter for financial planning services; fees are non-negotiable and paid quarterly in advance.
Main office location
Lyman Financial
Midland MI, United States
Number of offices
1
Most active in
Lyman 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:
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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
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