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Sam Huszczo, CFP^®, CFA^®

CFA^®, CFP^®

Sam Huszczo, CFP<sup>®</sup>, CFA<sup>®</sup>

Tel: 248-731-0029 17550 W Eleven Mile Rd Lathrup Village, MI 48076

Invest Smarter, Retire Better.

About Sam Huszczo, CFP^®, CFA^®

Founder of SGH Wealth Management, Sam Huszczo, CFA, CFP has been an active investor since 2004. He earned the Certified Financial Planner (CFP) designation in 2005 and the Chartered Financial Analyst (CFA) designation in 2009.

Sam graduated from the University of Michigan majoring in Economics and his primary duties are investment strategy, portfolio management and research. Mr. Huszczo's personal portfolios are substantially invested in the same securities owned in the firm's client accounts.

Volunteerism has been an important part of Sam's career, being elected President of the CFA Society Detroit, CFA Mid-West Regional Ethics Ambassador and ultimately being awarded CFA Institute Volunteer of the Year in 2017. He serves on the Finance & Audit Committee for the Detroit Economic Club and was also acknowledged as a Detroit Business Journals 30 in their Thirties honoree.

In addition, Sam has received National TV recognition with his appearances on: CNBC, Bloomberg TV, Kiplinger's, Fortune, USA Today, The Detroit Free Press, Crain's & more.

Sam Huszczo has also been asked as a featured speaker for the: S&P Dow Jones Indices, Inside ETFs (the largest ETF conference in the world), Financial Advisor Magazine and has given lectures at University of Michigan, Stephen Ross, Eastern Michigan University, Oakland University, University of Detroit Mercy, Wayne State University, and more.

About SGH Wealth Management

The firm's commitment to excellence has been recognized at both the national and state level. SGH Wealth Management was named a Top Financial Advisory Firm in Michigan for 2025 by USA Today, reflecting its leadership, consistency, and client-first approach. In addition, founder Sam Huszczo was honored as Investment Advisor of the Year in 2025 by InvestmentNews, recognizing professional excellence, fiduciary leadership, and industry impact.

SGH Wealth Management is an independent and experienced financial planning and asset management firm focused on delivering personalized guidance in wealth accumulation, investment management, and long-term financial strategy. Our mission is simple: help clients make better financial decisions so they can lead more satisfying and fulfilling lives.

We take a comprehensive approach to wealth management, coordinating investments, financial planning, risk management, tax awareness, and estate considerations into a single, cohesive strategy. Clients benefit from one-on-one attention paired with technology-based platforms that simplify what is often an overly complicated subject. Whether a client is local or located anywhere nationwide, they can feel confident knowing their financial life is being managed with consistency, clarity, and care.

SGH Wealth Management serves a diverse client base that includes executives, business owners, institutional investors, and professional athletes. As a private client group, we intentionally limit the number of relationships we accept. This allows us to maintain a high standard of service and ensures every client receives the same level of attention from day one through retirement and beyond. No call centers, no handoffs, no guessing who is responsible.

At its core, SGH Wealth Management is built around trust, discipline, and accountability. We serve as the central coordinator of our clients' financial lives, helping them move forward with confidence, knowing every decision is aligned with their goals and managed with purpose.

See Disclosures

General Information

Firm Start Year:

2005

No. of Employees:

10-19 Employees

Insurance License#:

7697091

Name of Broker/Dealer:

N/A

Name of Custodial Firm:

Charles Schwab

States Licensed in:

ALL

Communities served:

Detroit, Warren, SterlingHeights, AnnArbor, Dearborn, Flint, Lansing, GrandRapids, Toledo, Cleveland, Akron, Dayton, Columbus, Cincinnati, FortWayne, SouthBend, Indianapolis, Chicago, Milwaukee, Madison, GreenBay, Rockford, Peoria, Champaign, Normal, SpringfieldIL, Pittsburgh, Erie, Buffalo, Rochester, Syracuse, Albany, NewYork, Philadelphia, Harrisburg, Allentown, Reading, York, Lancaster, Scranton, WilkesBarre, Louisville, Lexington, Frankfort, Covington, Newport, MI, OH, IN, IL, PA, NY, WI, KY

Number of Years with Current Firm:

Work Experience:

LEADERSHIP & MANAGEMENT " SGH Wealth Management: Founded in 2005 and led its growth into one of America's fastest-growing financial advisory firms in the US. " Responsible for governance, compliance, and strategic oversight of ALL firm operations. " Recognized in 2025 as USA Today's Top Ranked Michigan-based Financial Advisory Firm SKILLS: FUNDRAISING, SPONSORSHIP MGMT, PUBLIC RELATIONS, & WORKHORSE VOLUNTEERISM " Leaders for Kids (Children's Foundation of Michigan Advisory Committee): Sponsorship Chair. Led record-breaking sponsorship drive and secured media coverage through TV appearances and digital promotion to my personal 90K+ social followers. " CFA Society Detroit: Served as President following five years in board roles. Advanced ethics education initiatives; named CFA Institute North American Volunteer of the Year (2017). " CFA University Outreach Midwest Ambassador: Created a scholarship initiative that delivers 25+ annual CFA exam awards to Michigan students. " Detroit Economic Club: Finance & Audit Committee Member; authored org's IPS " Wayne State Student Managed Investment Fund: Board Member and mentor " Detroit Symphony Orchestra: Trustee and community engagement supporter " S&P 500 Indices: U.S. Advisory Panel Member AWARDS & RECOGNITION " 2025 National Investment Advisor of the Year by InvNews Magazine " 2025 Crain's Detroit Notable Leaders in Finance " 2017 CFA Institute Volunteer of the Year " Featured on CNBC, Bloomberg TV, Fox Business; quoted in USA Today, Fortune, and Kiplinger's EDUCATION & CERTIFICATIONS " B.A. in Economics, University of Michigan Ann Arbor, earned 2003 " Chartered Financial Analyst (CFA), earned 2009 " Certified Financial Planner (CFP), earned 2005

Work with the following types of clients:

Individual Investors, Non-Profit Organizations, Businesses

Advisory Services Provided:

Financial Advice & Consulting, Investment Advice & Management, Estate Planning & Trusts, Financial Planning, Portfolio Management, Retirement Planning, 401K Rollovers, Wealth Management, Money Management, Risk Management, Education Funding and Planning, Financial Planning for Businesses, Tax Advice and Services, Financial Planning for Individuals

Qualifications & Memberships

Insurance and Annuity Licenses:

Life, Health

Services

Investment Types:

Bonds, Stocks, Mortgages & Real Estate, Exchange Traded Funds (ETFs), Socially Responsible Investments (SRI)

Can meet clients in the following ways:

Our Office, Phone, Video Conference

Compensation and Fees

Fee Structure:

Fee-Only

Minimum Portfolio Size for New Managed Accounts:

$500,000

Compensation Methods:

Based on Assets

Additional Details on Charges:

What fees will I pay? We provide our investment advisory services on a fee basis. When engaged to provide investment management services, we shall charge a fee calculated as a percentage of your assets under our management (our "AUM Fee"). Our annual AUM Fee shall generally range from 0.60% to 1.00% of client assets, depending on the dollar amount of assets placed under our management, and may be negotiable, at our discretion, in very select circumstances. We typically deduct our AUM Fee from one or more of your investment accounts, in advance, on a quarterly basis. Because our AUM Fee is calculated as a percentage of your assets under management, the more assets you have in your advisory account, the more you will pay us for our investment management services. Therefore, we have an incentive to encourage you to increase the assets maintained in accounts we manage. When engaged on a wrap fee basis, our AUM Fee will include most transaction costs and fees to a broker-dealer or bank that

Firm Information

Firm's Number of Clients:

600

Firm's Number of Planning Clients:

600

Firm's Number of Managed Clients:

600

Assets Managed by Firm:

$550,000,000

Advisor's Number of Clients:

600

Advisor's Number of Managed Clients:

600

Advisor's Number of Planning Clients:

600

Total Assets Under Management by Advisor:

$550,000,000

Preferred meeting methods

I provide a free initial consultation:

Yes

Education

Bachelors Degree - Economics:

University of Michigan - Ann Arbor, MI

09/01/1999 - 05/01/2003

Portfolio Management

Always Putting Your Interests First At SGH Wealth Management, we craft custom investment strategies designed to achieve your specific goals, based on your unique facts, circumstances and life stage. Our unbiased approach allows us to create lower-cost portfolios that reflect how investment professionals often structure their own invest portfolios. A 1% increase in annual fees reduces an investor's return by approximately 18% over 20 years* We actively review our clients' portfolios on a regular basis by monitoring our models to ensure that risk levels stay within the parameters established by your specific risk tolerance. We can also coordinate with clients' accountants to manage taxable gains and losses. All client portfolios are held in separate custody with Charles Schwab & Co. thereby providing you with unfettered access and independent third-party validation of your investments.

Retirement Planning

Simplifying Decisions with Data As you prepare for retirement, your financial strategies are key to a secure future. It can be overwhelming to navigate the many important decisions that will directly impact the next 30+ years of your life. Our independent analysis can put data behind all these decisions and simplify your choices, with a focus on putting your best interests first. Incorporating Monte Carlo simulations within our robust financial planning system, we create goal-based planning, risk management parameters, asset allocation plans and lifetime income streams. Let's Build a Customized Plan for You

Tax Advice and Services

Retirement Focused Tax Planning Strategy The Missing Piece of a Highly Efficient Financial Plan In our experience, many retirees do not adequately consider and plan for all the taxes that they must pay in retirement. Our one, transparent fee covers every service we provide, including an advanced retirement income tax strategy. Our retirement income tax planning could help maximize your retirement income using: Required Minimum Distribution minimization strategies (RMDs) Roth IRA funding strategies Roth conversion strategies Executive deferral program analysis Tax loss harvesting Double tax-exempt municipal bond investing Weighing your taxes today versus future taxes owed

Financial Advice & Consulting

Financial consulting at SGH Wealth Management is centered on putting data behind every major financial decision. Rather than relying on intuition or headlines, we use analysis, modeling, and scenario testing to evaluate options and outcomes with clarity and objectivity. This work often includes guidance around career transitions, large purchases, liquidity events, compensation structures, and second opinions on existing strategies. We help quantify trade-offs, assess risks, and understand the long-term impact of each decision before action is taken. By grounding decisions in data and disciplined analysis, we act as a strategic sounding board, helping clients move forward with confidence, knowing their choices are informed, intentional, and aligned with their broader financial plan.

401K Rollovers

A 401(k) rollover is often a key moment in someone's financial life, usually tied to a job change, retirement, or simplifying accounts. At SGH Wealth Management, we help clients evaluate whether a rollover makes sense and, if so, how to do it carefully and efficiently. Our process starts with understanding the full picture: investment options, fees, plan features, employer stock considerations, and potential tax consequences. We compare keeping assets in a former employer plan versus rolling them into an IRA or a new employer's plan, always with the goal of aligning the decision to your broader financial strategy. When a rollover is appropriate, we handle the details to help ensure the transfer is done properly, minimizing taxes and avoiding unnecessary penalties. Once assets are rolled over, they are managed as part of a customized investment portfolio designed to support long-term goals such as retirement income, tax efficiency, and risk management. In short, we treat 401(k) rollovers as a planning decision, not a paperwork exercise. Think less fill out a form and hope, more make a smart move on purpose.

Education Funding and Planning

Education planning balances future tuition costs with today's financial realities. We help families evaluate 529 plans, savings strategies, and investment approaches that align education goals with retirement and lifestyle priorities. Proper planning helps avoid overfunding education at the expense of long-term security, while still giving children meaningful opportunities.

Wealth Management

At SGH Wealth Management, wealth management is about having a single quarterback to coordinate every moving part of your financial life. Rather than juggling disconnected advice from multiple professionals, we serve as the central point of oversight, aligning investments, tax strategy, retirement planning, estate considerations, and cash-flow decisions into one unified plan. Our role is to connect the dots, anticipate trade-offs, and ensure each decision supports the others. This coordination helps reduce complexity, eliminate blind spots, and prevent costly missteps that can occur when strategies operate in isolation. The goal is not only to grow wealth, but to manage it deliberately through market cycles, life transitions, and across generations. By providing consistent leadership and accountability, we help clients make confident, informed decisions with clarity and purpose, because successful wealth management requires more than good ideas, it requires one trusted source to call the plays.

Risk Management

Risk management is about building durability into your financial life so it can withstand whatever the markets, the economy, or life events may throw at it. At SGH Wealth Management, we focus on identifying, understanding, and managing financial risks before they become problems. We review insurance coverage, investment concentration, income stability, liquidity, and potential liabilities to help reduce exposure to avoidable risks. Just as important, we design portfolios and planning strategies with resilience in mind, balancing growth objectives with downside awareness and flexibility. The goal is not to eliminate risk, which is impossible, but to manage it intelligently. By planning for uncertainty and stress-testing decisions across different scenarios, we help ensure that no single market event or unexpected change can derail an entire financial plan. The result is greater confidence, consistency, and the ability to stay focused on long-term goals, even during volatile periods.

Money Management

At SGH Wealth Management, money management is designed to make life easier by reducing day-to-day financial complexity. Beyond structuring cash flow, savings, and investment contributions, we provide high-touch, white-glove support that helps remove financial friction from everyday life. For many clients, this includes coordinating bill pay, cash management, account logistics, and ongoing financial housekeeping. Our goal is to ensure money is in the right place at the right time, so obligations are handled smoothly and opportunities are not missed. Fewer moving parts, fewer loose ends, and fewer items on your personal to-do list. We also help align spending decisions with personal priorities, lifestyle goals, and long-term plans. Effective money management is not about restriction, it's about clarity, intention, and efficiency. When the mechanics are handled proactively and thoughtfully, clients gain confidence, time, and peace of mind. In short, we focus on the details so you can focus on what matters most, while knowing your financial life is being managed with care and precision.

Financial Planning for Businesses

Financial planning for business owners is a comprehensive process focused on aligning business decisions with personal financial objectives. This includes evaluating the structure of the business, ownership arrangements, compensation strategies, employee benefit plans, and cash-flow needs, as well as how these factors affect the owner's long-term goals. A key component of this process involves planning for ownership transitions, including succession, sale, or exit strategies. Financial planning also considers partnership agreements, governance structures, and coordination with legal and tax professionals to address valuation, continuity, risk management, and potential transfer of ownership. The planning process is ongoing and adaptive. As business conditions, regulations, partnerships, and personal objectives evolve, recommendations are reviewed and updated to remain aligned with the owner's best interests. When delivered under fiduciary standards, business financial planning provides a disciplined framework to support informed decision-making, manage complexity, and help business owners prepare for growth, transition, or exit.

Financial Planning for Individuals

Individual financial planning is a comprehensive process designed to help individuals meet their personal, financial, and life goals. It involves evaluating a client's current financial situation, identifying objectives, analyzing available options, and developing recommendations across key areas such as retirement planning, tax planning, investments, insurance, and major life events. A financial plan is not static. As personal circumstances, goals, laws, and economic conditions change, the planning process requires ongoing monitoring and periodic updates to remain relevant and effective. The purpose of this process is to provide a structured framework for decision-making, helping individuals understand trade-offs, manage risk, and make informed choices over time. When delivered under fiduciary standards, individual financial planning prioritizes the client's best interests and provides a disciplined, holistic approach to managing financial complexity throughout all stages of life.

Estate Planning & Trusts

Estate planning is a component of the financial planning process focused on helping individuals structure the transfer of assets in a manner consistent with their goals, values, and personal circumstances. This includes reviewing beneficiary designations, ownership structures, and existing estate planning documents, as well as evaluating how trusts and other legal arrangements integrate with the overall financial plan. Financial planners do not draft legal documents, but they coordinate with estate planning attorneys and other professionals to help ensure recommendations are consistent across investment, tax, and estate considerations. The planning process also involves identifying potential risks, inefficiencies, or misalignments that could affect the intended distribution of assets. Estate planning is ongoing and should be reviewed periodically, particularly following changes in family circumstances, financial status, or applicable laws. When delivered under fiduciary standards, estate planning helps provide clarity, reduce unintended outcomes, and support the orderly transfer of wealth according to the client's expressed intentions.

Investment Advice & Management

At SGH Wealth Management, investment advice starts with structure and discipline, not market forecasts or headlines. We design portfolios around how capital is meant to behave over time, taking into account risk capacity, time horizon, tax exposure, and the role each dollar plays within a broader financial plan. Our focus is on building portfolios that are resilient, repeatable, and adaptable. Asset allocation is intentional, costs are scrutinized, and portfolios are monitored continuously to ensure they remain aligned as markets and personal circumstances change. When adjustments are made, they are driven by data, not emotion. Investing is treated as an ongoing decision-making framework rather than a series of bets. By emphasizing process over prediction, we help clients stay invested through market cycles, manage risk thoughtfully, and pursue long-term outcomes with consistency and clarity.

Disclosures

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.

Additional Detailed Disclosures

https://www.wiseradvisor.com/disclosure/1892948/wiseradvisor-sgh-wealth-management-detailed-disclosure.html

Disclaimer

The information contained is intended only for the personal and confidential use of the recipient(s) named above. If the reader of this message is not the intended recipient or an agent responsible for delivering it to the intended recipient, please notify us immediately by e-mail, and delete the original message without any review/dissemination thereof. Please remember to contact SGH Wealth Management, LLC (SGH), in writing, if there are any changes in your personal/financial situation or investment objectives for the purpose of reviewing/evaluating/revising our previous recommendations and/or services, or if you want to impose, add, to modify any reasonable restrictions to our investment advisory services, or if you wish to direct that SGH effect any specific transactions for your account. Please be advised that there can be no assurance that any email request will be reviewed and/or acted upon on the day it is received-please be guided accordingly. SGH Wealth Management, LLC does not accept orders and/or instructions regarding your account by e-mail, voice mail, fax or any alternate method. Any information provided in this e-mail has been prepared from sources believed to be reliable, but is not guaranteed by SGH Wealth Management, LLC and any information provided is for informational purposes only and does not constitute a recommendation. Any review, retransmission, dissemination or other use of, or taking of any action in reliance upon, this information by persons or entities other than the intended recipient is prohibited. This is not a solicitation of any advisory services. You may ask to discontinue future email advertisements from SGH Wealth Management, LLC and its affiliates by sending an email address to the above address. Upon receipt of your request, it may take up to ten business days to record. A copy of our current written disclosure Brochure discussing our advisory services and fees continues to remain available for your review upon request.

22 Years of Experience

CRD# 4677793 Firm CRD# 284067Insurance License# 7697091SEC File# 4677793Series: 65

News & Events

SGH's 20th Anniversary

When: 08/15/2025 16:15 | By: SGH Clients and Friends

Location: 17550 Eleven Mile Rd Lathrup Village MI 48076

Details: SGH Wealth Management celebrated its 20th anniversary with a special event on Aug. 15 at its headquarters in Lathrup Village. Guests, which included Hall of Famer Calvin Johnson of the Detroit Lions, ...

CNBC: How much cash you should keep?

When: 12/10/2025 | By:

Location:

Details: Attractive yields have drawn investors to cash, but with rates declining, they should consider how much they really want stashed in those accounts. Calculate emergency needs The general rule of thumb...

Michigan Alum Magazine featuring Sam Huszczo, CFA,

When: 10/01/2025 | By:

Location:

Details: The global reach of the University of Michigan alumni network is unparalleled, meaning that wherever you go, a Wolverine is likely to be there. U-M grads lend their expertise to a broad range of indus...

SGH ranked #1 in Michigan by USA TODAY

When: 04/23/2025 | By:

Location:

Details: USA TODAY, one of the nation's largest and most widely read newspapers with a daily readership of approximately 2.6 million, partnered for the third consecutive year with Statista, an internationally ...

CBS MoneyWatch: President Trump's tariff plan

When: 03/07/2025 | By:

Location:

Details: President Trump's imposed tariffs are not just impacting the cost of groceries, they could also be impacting your 401k. Sam Huszczo, Investment Advisor at SGH Wealth Management helps us understand wha...

New York Stock Exchange Interviews Sam G. Huszczo

When: 08/16/2024 | By:

Location:

Details: The New York Stock Exchange, where icons and disruptors come to build on their success and shape the future, interviewed founder Sam G. Huszczo on his use of ETFs and where he sees the markets moving ...

Compliance

Registered Investment AdvisorYes

Investment Advisor RepresentativeYes

Acknowledged fiduciaryYes

Compliance Disclosures in Last 5 yearsI have a clean record

Criminal Disclosures in Last 5 yearsI have a clean record

Office Hours

Monday7:00 AM - 6:00 PM

Tuesday7:00 AM - 6:00 PM

Wednesday7:00 AM - 6:00 PM

Thursday7:00 AM - 6:00 PM

Friday7:00 AM - 6:00 PM

Awards & Recognitions

Crainâs Detroit Notable Leaders in Finance(07/01/2025)

This distinguished honor celebrates financial professionals who demonstrate exceptional leadership, innovation, and impactâboth within the finance industry and throughout the broader Detroit business community. Samâs inclusion in this list is a testament to his long-standing dedication to client success, his forward-thinking approach to wealth management, and his commitment to giving back. Honorees were selected through a competitive nomination process, followed by an editorial review conducted by Crainâs Detroit Business. According to Crainâs, professionals were chosen based on their career accomplishments, consistent track record of success, contributions to their community, and commitment to mentorshipâcriteria outlined in detailed nomination and candidate forms. âBeing recognized by Crainâs is a tremendous honor,â said Sam. âIt reflects not only the work we do every day at SGH Wealth, but also the values we strive to upholdâintegrity, transparency, and a deep responsibility to those we serve.â We congratulate Sam on this well-deserved recognition and celebrate his continued leadership in the financial industry and the Detroit community.

InvestmentNews' Investment Advisor of the Year(06/01/2025)

This prestigious recognition is awarded annually to advisors who demonstrate outstanding leadership, client impact, innovation, and commitment to advancing the profession. Among a highly competitive field of peers, Sam stood out not only for his forward-thinking investment strategies, but for the trust heâs built with clients and his contributions to the broader financial community. âThis honor is deeply humbling,â said Sam. âTo be recognized by InvestmentNewsâamong so many talented professionals in our fieldâis a reflection of the incredible clients we serve and the dedicated team behind SGH Wealth Management.â The entire SGH team congratulates Sam on this well-deserved recognition and celebrates the values of excellence, integrity, and independence that this award represents.

CFA Institute North American Volunteer of the Year(05/01/2017)

It takes a special person to be a volunteer. Giving back to a community for the greater good involves commitment, passion, and integrity â attributes that over 1,600 CFA SocietyÂ® leaders around the globe certainly display. Through their work to promote the highest standards of ethics, education and professional excellence in the investment industry, CFA SocietyÂ® volunteers develop new skills, strengthen existing knowledge, and build relationships with peers and local communities. To recognize some of the most dedicated volunteers who are making a huge difference to the investment profession, CFA Institute annually presents the prestigious Volunteer of the Year Awards at the Society Leaders Conference. This yearâs ceremony took place in Philadelphia on 19 May 2017. We would like to thank all our volunteers for their selfless efforts and congratulate the following individuals for winning the 2017 awards.

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Sam Huszczo, CFP®, CFA®

Sam Huszczo, CFP^®, CFA^®