Spyrnal Financial Group primarily helps clients live worry-free retirements through Investment, Tax, and Risk Planning. We are located at the center of Pine Island, Florida with clients in 20 states. We have been here for 15 years with the founder holding over 40 years of experience in the Financial Services Industry.
|Firm Start Year:||2008|
|Name of Custodial Firm:||TD Ameritrade|
|States Licensed in:||FL, IL|
|Number of Years with Current Firm:||2|
Chad started his career in 2014, working for a large Insurance Company helping Teachers, Sheriffs, and Firefighters with their pension and retirement savings plans. Realizing that the insurance company was more concerned about their bottom-line and not the clients. He started looking for a true Fiduciary firm. |
Two years ago he found Spyrnal Financial Group out on Pine Island. This independent office offers no restriction's on helping clients. Obtaining his Certified Financial Planner designation in 2021, he is now is the Chief Investment Officer of the firm.
|I work with the following types of clients:||Non-Profit Organizations, Individual Investors, Businesses|
|Advisory Services Provided:||Tax Advice and Services, Financial Planning for Businesses, Financial Planning for Individuals, Education Funding and Planning, Risk Management, Money Management, 401K Rollovers, Retirement Planning, Portfolio Management, Financial Planning, Investment Advice & Management, Financial Advice & Consulting, Wealth Management|
|Investment Types:||Bonds, Mutual Funds, Stocks, Annuities, Insurance, Exchange Traded Funds (ETFs), Alternative Investments, Socially Responsible Investments (SRI)|
|I can meet clients in the following ways:||Via Email, At your home, At my office, Via Phone, At your office, Video Conference|
Qualifications & Memberships
|Insurance and Annuity Licenses:||Annuity, Health, Life, Long Term Care|
|Firm's Number of Clients:||500|
|Firm's Number of Planning Clients:||400|
|Firm's Number of Managed Clients:||400|
|Assets Managed by Firm:||$150,000,000|
|Advisor's Number of Clients:||200|
|Advisor's Number of Managed Clients:||200|
|Advisor's Number of Planning Clients:||200|
|Assets Managed by Advisor:||$75,000,000|
|Registered Investment Advisor:||Yes|
|Investment Advisor Representative:||Yes|
|I am an acknowledged fiduciary:||Yes|
|Compliance Disclosures in Last 5 years:||I have a clean record|
|Criminal Disclosures in Last 5 years:||I have a clean record|
Compensation and Fees
|Minimum Portfolio Size for New Managed Accounts:||$200,000|
|Compensation Methods:||Commissions, Based on Assets|
|Fee % Based on Assets:||0.5 - 1.5%|
|Additional Details on Charges:||Our annual portfolio management fee is billed and payable, quarterly in arrears directly from client accounts.|
|Bachelor of Science - Finance and Management||
Florida State University - Tallahassee, FL
Investment Advisory Services offered through Spyrnal Wealth Management, LLC. Insurance products and services offered through Spyrnal & Associates. Insurance and annuity products are backed by the claims paying ability of the issuing company. Spyrnal Wealth Management, Spyrnal & Associates and Spyrnal Financial Group are affiliated companies.
Chad Michaels is a born and raised Cape Coral, Florida Cracker. He met his now wife at North Fort Myers High School where they moved to Tallahassee and attended Florida State University. He graduated from FSU with a degree in Finance and Management and a lot of memories. Moved back to Cape Coral and started a family with two adorable boys just starting school and sports.
Financial Planning for Businesses
Master Planning For Business Owners - Help prepare both Business Owner & business for an exit, sale or transfer. Find a buyer, negotiate the deal, execute the transaction and make it stick, and invest the proceeds with performance based fees. We establish or optimize current 401k / Profit Sharing Plans.
We work with 40+ companies for Life Insurance, Long Term Care, Medicare Insurance.
Tax Advice and Services
Consider the tax consiqunecse for ROTH Conversions and how it relates to future RMD Planning. Always considering the Medicare IRMAA Expense with extra income distributions.
|Mon.||8:30 AM - 4:30 PM|
|Tue.||8:30 AM - 4:30 PM|
|Wed.||8:30 AM - 4:30 PM|
|Thu.||8:30 AM - 4:30 PM|
|Fri.||8:30 AM - 4:30 PM|
|Pine Island||Cape Coral|
|North Fort Myers||Fort Myers|
|Punta Gorda||Port Charlotte.|
Financial Planner helps people prepare
Details:Local Story recognizing myself after completing the CFP® and some insight on myself and our firm. ...more