wiseradvisor

Chad  Michaels, RICP®, CFP®
Spyrnal Financial Group plan,

Tel: 239-282-2835
5524 Avenue A
Bokeelia, FL 33922
Spyrnal Financial Group plan, | Financial Advisor in Bokeelia ,FL

About Spyrnal Financial Group plan,

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.


General Information

Firm Start Year:   2008
No.of Employees:   5-9
Gender:   Male
Insurance License#:   W183587
Name of Custodial Firm:   TD Ameritrade
States Licensed in:   FL, IL
Number of Years with Current Firm:   2
Work Experience:   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


Services

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 Information

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


Compliance

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

Fee Structure:   Fee-Based
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.


Education

Bachelor of Science - Finance and Management  Florida State University - Tallahassee, FL
2007-2011



Disclaimer

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

Chad  Michaels

RICP®, CFP®

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.

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My Services

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.


Insurance Planning

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.


Office Hours

wiseradvisor-balck-li-img Mon. 8:30 AM - 4:30 PM
wiseradvisor-balck-li-img Tue. 8:30 AM - 4:30 PM
wiseradvisor-balck-li-img Wed. 8:30 AM - 4:30 PM
wiseradvisor-balck-li-img Thu. 8:30 AM - 4:30 PM
wiseradvisor-balck-li-img Fri. 8:30 AM - 4:30 PM

Communities Served

Pine Island Cape Coral
North Fort Myers Fort Myers
Estero Naples
Punta Gorda Port Charlotte.

News & Events

Financial Planner helps people prepare
When: 06/16/2021
Details:Local Story recognizing myself after completing the CFP® and some insight on myself and our firm. ...more


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