Michael Piper, LLC
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Total assets under management
$0
Total clients
11
100% high-net worth
Total advisors
1
of 1 employees
Firm size
Independent
1 advisor
Average clients per advisor
11
Average account size
$0
About
Michael Piper, LLC provides financial planning and investment advice to individuals, high-net-worth individuals, and small businesses, with services that include retirement projections, distribution planning, Roth conversion and Social Security analysis, estate-plan review, charitable-giving guidance, and the creation of investment policy statements. The firm does not take custody of client assets, does not report assets under management, and does not participate in wrap fee programs.
The firm’s investment approach emphasizes passive investing and strategic asset allocation using broadly diversified, low-cost mutual funds and ETFs, with a focus on tax-efficiency and sequencing risk for retirees. Clients retain implementation authority—the firm does not trade client accounts or exercise discretionary authority—and the adviser offers both ongoing and hourly planning engagements rather than relying on percentage-of-AUM billing.
Compared with many peers in this category, the firm is led by a credentialed accounting professional (a Certified Public Accountant with a Personal Financial Specialist designation) who explicitly integrates tax and accounting considerations into planning, an uncommon affiliation for investment-manager firms. It also discloses outside-business activities (a publishing business and an unpaid nonprofit board role) and employs an atypical compensation mix for the category by charging hourly fees and not using percentage-of-AUM fees.
Client services
Financial planning
Expertise
Retirement income strategy
Roth conversion strategy
Social Security optimization
Charitable giving tax strategies
Fee options
Initial ongoing financial planning fee of $5,500 covers initial three months
$400 per hour, billed in ten-minute increments, rounded down
Fee-only: Ongoing financial planning: Initial fee $5,500 (covers first three months), then $600 per month billed in arrears; Hourly financial planning: $400 per hour, billed in ten-minute increments, rounded down
Most active in
Michael Piper, LLC has reported serving >5 clients in these states in the last 12 months.
Missouri
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.
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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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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