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Northpoint Financial

Updated today

Client assets under management

$0

Clients

25

0% high-net worth

Advisors

2

of 4 employees

Firm type

Supported

1-3 advisors or $200M+ in AUM

Clients per advisor

13

Very Low

Average account size

$0

About

Northpoint Financial provides comprehensive financial planning and advisory services primarily for clients the firm describes as high‑net‑worth individuals, with work focused on estate planning, retirement modeling, and income tax planning. The firm also assists in organizing, record‑keeping, and coordinating a client’s relationships with other professionals such as attorneys, bankers, accountants, stockbrokers, and money managers, and treats related family entities (trusts, foundations, and closely held businesses) as part of the client relationship.

Investment guidance emphasizes long‑term strategies and the use of a proprietary arithmetic personal‑financial‑independence model to help set an appropriate risk/return profile, while specific security selections are generally made and executed by the client’s brokers and money managers. Northpoint does not accept discretionary trading authority or custody of client assets and uses a fractional hourly billing model for planning and consulting rather than percentage‑of‑assets fees.

The firm is distinctive for its direct affiliation with a life insurance sales agency and an overlap of clients between the two businesses, a relationship disclosed as a material other business activity. Senior personnel also maintain tax and accounting practices and hold insurance and financial planning credentials (CLU/ChFC, CPA/PFS), underscoring a consultative, coordination‑focused practice that relies on vendors for investment execution rather than in‑house portfolio management.

Client services

Financial planning

Expertise

General retirement planning General estate planning guidance Income planning

Fee options

Project-based

Fractional hourly fees ranging from $0 to $300 per hour.

Other

Fee-only: Fractional hourly fees ranging from $0 to $300 per hour, billed quarterly in arrears.

Main office location

Northpoint Financial

920 East Lincoln

Birmingham MI 48009-3608, United States

Number of offices

1

Most active in

Florida · Michigan

Disclosures

Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.

Business activities & affiliations

Quick links

Advisors at this firm

user avatar

Michael T

PFS™, Series 65

Birmingham, MI

Northpoint Financial

Michael Tituskin is a financial advisor at Northpoint Financial in Birmingham, MI, holding the PFS™ designation and Series 65 license with 14 years of industry experience. He has been with Northpoint Financial since 2000. Outside of his advisory role, he operates Tituskin & Associates LLC, a tax return preparation service. Northpoint Financial provides comprehensive financial planning primarily for high-net-worth clients, focusing on estate planning, retirement modeling, and income tax planning. The firm emphasizes long-term investment strategies using a proprietary financial independence model and works closely with clients’ other professional advisors without accepting discretionary trading authority.

General retirement planning General estate planning guidance Income planning
user avatar

David D

ChFC®

Birmingham, MI

Northpoint Financial

David Debenedictis is a ChFC® credentialed financial advisor with 14 years of industry experience, practicing at Northpoint Financial in Birmingham, MI. He has been associated with Northpoint Financial since 1982. Outside of his advisory role, he is president and sole shareholder of a life insurance sales agency and is involved in a wine education and travel business. Northpoint Financial provides comprehensive financial planning and advisory services primarily to high-net-worth individuals, focusing on estate planning, retirement modeling, and income tax planning. The firm emphasizes long-term investment strategies using a proprietary financial independence model and coordinates client relationships with various professionals while relying on external brokers and money managers for investment execution.

General retirement planning General estate planning guidance Income planning
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