Michels Family Financial, LLC

Michels Family Financial serves individual and high-net-worth clients, employer-sponsored retirement plans, trusts and estates, offering discretionary investment and wealth management, integrated financial planning, and limited-scope consulting on matters such as estate, retirement, and real estate. The firm manages portfolios across cash, individual stocks, bonds, mutual funds, ETFs and government and corporate fixed income, and provides rollover advice and coordination with clients’ other advisors.

The firm describes an active, asset-allocation driven approach using diversified model portfolios designed for long-term growth, total return, or current income, with periodic rebalancing (quarterly, semi-annual, or annual) tied to client objectives and market conditions. Financial planning is generally included for investment management clients, and the firm uses custodial and technology providers (Schwab for custody/execution and Advyzon for reporting and account administration) to support portfolio oversight and client reporting.

Notably, the firm’s scale is atypical for its advisor count: it reports about 410 clients and two advisors (roughly 205 clients per advisor), and $347.9 million in discretionary AUM, indicating a higher client-to-advisor ratio than most peers and a correspondingly greater reliance on technology and model-based processes. The brochure also discloses relationships with third-party insurance networking agencies and a brokerage arrangement that results in advisory revenue from certain referral or consulting relationships; these relationships and related conflicts are addressed through written agreements and compliance oversight.