Bill has 25 years' experience in the Financial Services Industry as a branch manager, compliance officer, and financial adviser. He specializes in retirement planning, estate preservation, and long-term care planning. Bill grew up in Michigan, and after high school, he spent eight years in Arizona. Given his love of water and boating, he returned to the Great Lakes area. He currently lives in Troy, MI. His hobbies include reading, gardening, and boating. Bill has a Master's of Science in Finance from Walsh College and is an adjunct professor of Economics at Oakland Community College.
Stoney Creek Advisors, LLC, is an independent, fee-based RIA firm located in Rochester Hills, MI. We believe financial concerns should not keep you up at night, and you should not have to be a financial advisor to understand your finances and how they can work for you. We continuously manage your investments against losing massive amounts of money, using a time-tested, rules-based system that removes emotion from investing. Our definition of investment success is participation in growth during favorable market conditions while reducing the amount of account risk during long-term unfavorable investment conditions. We keep you on the right side of market conditions while focusing on achieving your financial goals. Establishing a plan to help you protect your family from the unexpected twists of life can provide you the peace of mind you need to rest easy at any time of day.
Peter Mitroff
Vice President / IAR
Pete has been managing the diverse financial planning
needs of high net-worth individuals since 1996. His
primary specialties include income and retirement
planning, and consulting clients on minimizing the impact
of taxation on current and future income. Pete was born,
raised, and educated in Michigan, where he and his wife,
Amy, are now raising their four children. As a former PGA
professional, Pete's heart is on the golf course, but he
also plays an active role within the Rochester community,
supporting many organizations, including Salvation Army,
American Red Cross, and the Rochester Chamber of Commerce.
Heather Bonner
Office Manager
Heather's years as an office assistant, stage
manager/director, and college instructor have contributed to
her strong conviction in personal reliability and her
passion for organization and streamlined processing. Perhaps
unorthodox for the industry, she received both her
Bachelor's and Master's in English from Oakland University.
In her free time, she reads and writes fantasy-fiction and
plays an active role in the Cystic Fibrosis research
community.
William A. Waggoner II
President/Chief Complianc
Bill has 25 years' experience in the Financial
Services Industry as a branch manager, compliance
officer, and financial advisor. He specializes in
retirement planning, estate preservation, and long-
term care planning. Bill grew up in Michigan, and
after high school, he spent eight years in Arizona.
Given his love of water and boating, he returned to
the Great Lakes area. He currently lives in Troy, MI.
His hobbies include reading, gardening, and boating.
Bill has a Master's of Science in Finance from Walsh
College and is an adjunct professor of Economics at
Oakland Community College.
General Information |
| Firm Start Year: | 2016 | |
| No. of Employees: | 5-9 | |
| Insurance License#: | NIP# 985887 |
| Name of Custodial Firm: | TD Ameritrade Institutional |
| States Licensed in: | Michigan |
| Number of Years with Current Firm: | 2 |
| Work Experience: | My partner and I each have 25 years of experience in the financial services industry. |
| Work with the following types of clients: | Businesses, Individual Investors |
| Advisory Services Provided: | Annuities, Financial Advice & Consulting, Estate Planning & Trusts, Portfolio Management, Retirement Planning, 401K Rollovers, Wealth Management, Money Management, Education Funding and Planning, Financial Planning for Businesses, Tax Advice and Services, Insurance Planning |
Services |
| Investment Types: | Exchange Traded Funds (ETFs), Mutual Funds, Bonds, Stocks, Annuities, Insurance, Socially Responsible Investments (SRI) |
| Can meet clients in the following ways: | Your Home, Our Office, Email, Your Office, Phone, Video Conference |
Qualifications & Memberships |
| Insurance and Annuity Licenses: | Life, Long Term Care, Health, Annuity |
| Financial Organization Memberships: | Paladin Registry |
Firm Information |
| Firm's Number of Clients: | 300 |
| Firm's Number of Managed Clients: | 300 |
| Assets Managed by Firm: | $30,000,000 |
| Advisor's Number of Clients: | 150 |
| Advisor's Number of Managed Clients: | 150 |
| Advisor's Number of Planning Clients: | 0 |
| Assets Managed by Advisor: | $30,000,000 |
Compensation and Fees |
| Minimum Portfolio Size for New Managed Accounts: | $50,000 |
Education |
| Master of Science in Finance - Finance / Economics | Walsh College
- Troy, MI 1990-1993 |
Financial Services |
| Financial Advice & Consulting
We offer financial advice and consultation as part of our normal account services; we do not offer financial advice and consultation as a separate service. |
| 401K Rollovers
We help clients roll their company retirement plans into their own IRA. We can also help non-retired clients manage their current company retirement plans until they retire. |
| Portfolio Management
We manage our portfolios in-house and have access to numerous third-party money managers. |
| Retirement Planning
This is our specialty. We use cash-flow analysis, including a client's retirement plan, pension, social security, and other sources of income, to help set up a monthly income, based on the client's individual needs. We then monitor their accounts on an on-going basis and make adjustments as necessary. We also help clients protect their retirement funds from unseen health issues by providing long-term care insurance.We can also help non-retired clients manage their current company retirement plans until they retire. |
| Wealth Management
We are wealth managers and have access to numerous third- party wealth managers. |
| Risk management
This is the cornerstone of our investment process and is included in our services. |
| Money Management
We are money managers and have access to numerous third- party money managers. |
| Insurance Planning
We offer all types of insurance planning and are not affiliated with any specific insurance companies. |
| Annuities
We offer all the different types of annuities and are not affiliated with any specific insurance companies. |
| Estate Planning & Trusts
With our attorney partners, we can help clients with estate planning and the establishment of trusts. |
| Tax Advice and Services
With our CPA partners, we can help clients minimize their taxes. |
| Education Funding and Planning
We offer all the investment options for college planning and funding. |
| Investment Advice & Management
We offer investment management and advice as part of our normal account services; we do not offer investment management and advice as a separate service. |
| Financial Planning for Businesses
We can help establish 401Ks and other retirement plans for self-employed individuals and small businesses. |
FAQs |
Do you have a customer satisfaction or refund policy?Yes. We bill quarterly, in advance. If a client chooses to leave during a quarter, the client will be rebated for the time not under our management. |
What services do you provide? What are your specialties?We are an independent, full-service fiduciary offering all investment and insurance-related solutions. |
What is your experience? How many clients do you currently manage?My partner and I have 25 years of experience each in the financial industry. Our firm manages over 150 client households (over 300 accounts). |
What financial institution(s) do you represent?TD Ameritrade Institutional is our custodian. We are an independent advisor; therefore, we are not affiliated with any specific investment and insurance products. We also have access to most independent insurance companies. |
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 |
Disclaimer |
| Investment advisory services are offered through Stoney Creek Advisors, LLC. Stoney Creek Advisors, LLC, is a Michigan state-registered investment adviser located in Rochester Hills, MI. A copy of Stoney Creek Advisors, LLC's current written disclosure statement discussing Stoney Creek Advisors, LLC's business operations, services, and fees is available at the SEC's investment adviser public information website - www.adviserinfo.sec.gov or from Stoney Creek Advisors, LLC, upon written request. Insurance products are offered through Stoney Creek Partners, LLC. Stoney Creek Advisors, LLC, does not provide tax and legal advice. |
Registered Investment Advisor:
Yes
Investment Advisor Representative:
Yes
Acknowledged fiduciary:
Yes
Compliance Disclosures in Last 5 years:
Have a clean record
Criminal Disclosures in Last 5 years:
Have a clean record
| Mon. | 9:00 AM - 5:00 PM |
| Tue. | 9:00 AM - 5:00 PM |
| Wed. | 9:00 AM - 5:00 PM |
| Thu. | 9:00 AM - 5:00 PM |
| Fri. | 9:00 AM - 5:00 PM |
| Allenton | Almont |
| Armada | Birmingham |
| Bloomfield Hills | Center Line |
| Clarkston | Clawson |
| Davisburg | Dearborn |
| Dearborn Heights | Detroit |
| Eastpointe | Fair Haven |
| Farmington | Ferndale |
| Fraser | Goodrich |
| Grosse Pointe | Harper Woods |
| Highland | Keego Harbor |
| Lake Orion | Leonard |
| Livonia | Memphis |
| Metamora | Milford |
| Mount Clemens | New Baltimore |
| New Haven | Northville |
| Novi | Oak Park |
| Ortonville | Oxford |
| Pontiac | Redford |
| Richmond | Rochester |
| Romeo | Roseville |
| Royal Oak | Saint Clair Shores |
| Southfield | Troy |
| Utica | Walled Lake |
| Warren | Washington |
| Waterford | Wixom |
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