Todd joined Executive Wealth Management in 2019. Prior to joining EWM, he worked as a Senior Financial Planner for an independent wealth management firm gaining extensive experience in financial planning and portfolio management. Todd's background also includes tax planning and preparation after having prepared returns for over ten years. He believes the integration between taxes and investments, and the proactive planning work involved, are a vital part of the wealth management process and has been previously quoted in the Wall Street Journal discussing the subject in an article titled, "Advisors Focus on 2013 Tax Plans".
Todd is a graduate of Central Michigan University and started in the financial services industry in 2005. In addition to the CFP® certification, he has also earned the Certified Investment Management Analyst and Certified Private Wealth Advisor designations. He currently resides in Brighton with his wife, Kristen. When not spending time with their three children, Todd enjoys hockey, golf and being involved in the Brighton community.
Managing wealth is complex. We simplify it by providing retirement, investment, tax, and legal solutions to help you Live with Confidence.
At Executive Wealth Management, Todd serves as a Senior Private Wealth Advisor working directly with
clients to develop and implement comprehensive financial plans that address their evolving
goals and financial needs. Our firm helps clients in the areas of retirement planning,
investment management, risk management, tax planning, estate planning, business succession
planning, and charitable planning.
Alissa Earl
Alissa joined Executive Wealth Management in 2020. She specializes in client service and account maintenance requests. She has over 12 years of industry experience, previously working with Jackson National Life in Okemos, Michigan. Alissa resides in Brighton, Michigan with her husband and two children. In her free time she enjoys being active in CrossFit, hiking, and spending time with her family.
General Information |
| Firm Start Year: | 2006 | |
| No. of Employees: | 50-99 | |
| Name of Custodial Firm: | Charles Schwab |
| States Licensed in: | 76812 |
| Number of Years with Current Firm: | 4 |
| Work Experience: | Started in the financial services industry in 2005. Todd has extensive experience in wealth management as well as tax planning and preparation. |
| Work with the following types of clients: | Individual Investors |
| Advisory Services Provided: | Investment Advice & Management, Financial Planning, Portfolio Management, Retirement Planning, 401K Rollovers, Wealth Management, Education Funding and Planning, Financial Planning for Individuals, Tax Advice and Services, Financial Advice & Consulting |
Services |
| Investment Types: | Stocks, Mutual Funds, Exchange Traded Funds (ETFs), Bonds, Alternative Investments |
| Can meet clients in the following ways: | Your Home, Phone, Email, Your Office, Our Office, Video Conference, Our Offices |
Qualifications & Memberships |
| Non-Financial Organization Memberships: | Rotary- Brighton, MI |
Compensation and Fees |
| Fee Structure: | Fee-Based |
| Minimum Portfolio Size for New Managed Accounts: | $500,000 |
| Compensation Methods: | Based on Assets |
| Fee % Based on Assets: | 1% |
| Additional Details on Charges: | Our investment management fee starts at 1% and is tiered lower based on the assets that we manage. My focus is on advice, not product sales. |
| Minimum Fee Charged for Managed Accounts: | $5,000 |
Education |
| Certified Private Wealth Advisor | Investments and Wealth Institute
- Yale School of Management 2018-2018 |
| Certified Investment Management Analyst | Investments and Wealth Institute
- University of Pennsylvania 2009-2009 |
| CFP Certification Professional Education Program | College for Financial Planning
2005-2007 |
| BSBA, Supply Chain and General Management | Central Michigan University
1999-2003 |
| Retirement Management Advisor | Investments and Wealth Institute
2022-2022 |
Financial Services |
| Financial Planning for Individuals
Executive Wealth Management (EWM) offers full financial planning services for our clients. Our relationship begins with a comprehensive financial plan that covers retirement and income planning, investments, tax planning and more. Financial plans are also updated on an annual basis at no additional cost. |
| 401K Rollovers
401(k) and other retirement plans are often limited to a handfull of investment options and basic asset classes. Utilizing a 401(k) rollover allows access to other strategies (ETFs, Individual stocks, etc.) and investment vehicles not available inside the plan. Depending on what mutual fund classes are used in the plan, there may also be an opportunity to lower the overall fund expenses in the portfolio. |
| Portfolio Management
EWM Investment Solutions provides global market diversification through various strategies including tactical asset allocation models, individual stock models and fully invested strategic models. Downside protection strategies are also used for prolonged market declines. |
| Tax Advice and Services
Todd has over ten years of tax planning and preparation experience and has helped numerous clients navigate their tax situation during the distribution phase of their portfolio. During our analysis, we may suggest alternate patterns of withdrawal or contributions to retirement accounts like 401(k)s, IRAs, or Roth IRAs. We can also help you understand when it may be beneficial to consider Roth Conversions or harvest a capital gain or loss in taxable accounts. This type of planning can help proactively identify opportunities to save on taxes in retirement. |
| Retirement Planning
Retirement planning is complex. There's inflation, taxes, social security, health care costs and much more. How do you efficiently withdrawal from a portfolio in order to minimize taxes? Will I be in a lower tax bracket? Is a Roth conversion right for me? These are some of the questions that Todd can help guide you through. Since retirement is such a complex issue, professional help can be very valuable. |
| Investment Advice & Management
EWM also has the unique ability to manage employer sponsored retirement plans (401k, 403b, etc). This ensures your overall portfolio is coordinated and well-balanced. For more information, please see https://ewmadvisors.com/financial-services/401kgps |
FAQs |
Why should I choose you as my financial advisor?I am a Certified Financial Planner" (CFP®). I also went on to get additional investment management education (Certified Investment Management Analyst) as well as studied high net worth strategies (Certified Private Wealth Advisor). I pride myself is being fair, transparent and accessible. |
What are your qualifications? What is your education background?I enjoy helping my clients with strategies and efficiencies that work to transform a complex and disjointed financial life into a simplified, cohesive plan. |
How are you compensated? How will I pay for your services?Our fees are based on the assets that we manage. Our only incentive is to grow your portfolio. |
If you are going to manage my account, will you obtain my permission every time you buy or sell something?No, as part of our discretionary money management, Executive Wealth Management will make trades when appropriate in client's portfolios. |
Will you be the only person working with me?Although we do work as a team, I would be the main point of contact at the firm. |
Disclosures |
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WiserAdvisor provides referrals to financial professionals. WiserAdvisor is not a current client of advisor or advisory services. Financial professionals pay cash compensation for these referrals, which creates the incentive for WiserAdvisor to make these referrals, resulting in a conflict of interest. |
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Additional Detailed Disclosures |
Registered Investment Advisor:
Yes
Investment Advisor Representative:
Yes
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
| Mon. | 8:00 AM - 5:00 PM |
| Tue. | 8:00 AM - 5:00 PM |
| Wed. | 8:00 AM - 5:00 PM |
| Thu. | 8:00 AM - 5:00 PM |
| Fri. | 8:00 AM - 5:00 PM |
| Ann Arbor | Bloomfield Hills |
| Byron | Chelsea |
| Clarkston | Dexter |
| Farmington | Fenton |
| Fowlerville | Gaines |
| Gregory | Hamburg |
| Hartland | Highland |
| Holly | Howell |
| Keego Harbor | Lakeland |
| Linden | Livonia |
| Milford | New Hudson |
| Northville | Novi |
| Pinckney | Plymouth |
| Redford | South Lyon |
| Southfield | Stockbridge |
| Walled Lake | Waterford |
| Webberville | Whitmore Lake |
| Wixom | Ypsilanti |
Financial Times Top Advisers List for 2020
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