Michael E. Reichek dba Reichek Financial Services

Reichek Financial Services provides investment advice, financial planning and insurance and risk‑management services to individuals of varying income levels, corporations, and pension and profit‑sharing retirement plans. The firm’s advisory work includes recommending mutual funds and ETFs, ongoing monitoring and competing‑alternatives analysis, and delivery of insurance and employee‑benefit products.

The firm’s investment approach emphasizes long‑term, fundamental analysis with occasional use of technical methods, and it favors low‑cost mutual funds and ETFs for core allocations while monitoring performance and making adjustment recommendations. Reichek Financial Services generally operates on a non‑discretionary basis — it recommends trades and custodians but requires client authorization to implement transactions, and it may offer access to third‑party money managers with limited discretionary authority.

Distinctive features include the firm’s active insurance brokerage role (selling annuities, life and property/casualty products and employee benefits) alongside investment management, which is uncommon for firms in this category. The firm also uses multiple fee arrangements beyond a percentage‑of‑assets model — including hourly charges, commissions and negotiated flat fees — and explicitly serves both pension/profit‑sharing plans and non‑high‑net‑worth individual clients while declining to accept discretionary account authority.