Aaron Stine is a financial advisor who works with individuals and families entering retirement, those already in retirement, and business owners seeking clarity around their financial future. He focuses on building practical, long-term strategies designed to help clients preserve wealth, generate reliable income, and navigate life's financial transitions with confidence. Aaron emphasizes disciplined planning, clear communication, and customized solutions tailored to each client's goals.
About Stine Wealth Group
We are an independent financial advisory firm focused on helping individuals, retirees, and business owners navigate complex financial decisions with clarity and confidence. Our services include financial planning, investment management, retirement planning, and ongoing advice tailored to each clients unique goals and circumstances. We emphasize disciplined planning, thoughtful risk management, and long-term strategies designed to support financial stability and growth over time.
Alma, Bath, Bay City, Brighton, Charlotte, Corunna, DeWitt, East Lansing, Eaton Rapids, Elsie, Flint, Fowlerville, Grand Ledge, Greenville, Haslett, Holt, Howell, Ionia, Ithaca, Laingsburg, Lansing, Lowell, Mason, Midland, Mount Pleasant, Ovid, Owosso, Perry, Portland, Saginaw, St. Charles, St. Johns, St. Louis, Williamston.
And more!
Number of Years with Current Firm:
2
Work Experience:
Aaron began his career at Butler Financial Group in St. Johns, Michigan, where he built a strong foundation in financial planning and client service. He later joined Waggoner Financial in East Lansing, expanding his experience working with a broader client base. After a brief pause during the COVID period, Aaron returned to the industry with Michigan Financial Companies in Southfield. Following his time at MFC, he chose to pursue an independent path with the goal of building his own advisory firm focused on long-term planning and client relationships.
Our firm utilizes a tier-based fee schedule while also taking into consideration other factors when determining advisory fees. Because each clients situation is unique, some clients may require additional services or ongoing support beyond others. Fees are structured to reflect the scope and complexity of services provided, and all fees are discussed transparently with clients in advance.
Preferred meeting methods
I provide a free initial consultation:
Yes
Financial Planning for Businesses
As a small business owner, we understand the challenges and opportunities business owners face. Our business financial planning services address areas such as cash flow, retirement plans, succession considerations, and integrating personal and business finances into a cohesive strategy.
Financial Planning for Individuals
We provide comprehensive financial planning for individuals, with a strong focus on retirement planning and long-term financial security. Strategies are tailored to personal goals, income needs, and risk tolerance, recognizing that individual planning differs significantly from business-focused strategies.
Financial Advice & Consulting
Our financial advice and consulting services are highly personalized, focused on understanding each client's unique circumstances and objectives. We provide guidance across a wide range of financial decisions, helping clients evaluate options, assess trade-offs, and make informed choices with confidence.
Portfolio Management
We design customized investment portfolios tailored to the individual needs, goals, and risk tolerance of each client. Portfolio strategies may include a combination of stocks, bonds, mutual funds, exchange-traded funds (ETFs), and other investment vehicles as appropriate. Our approach emphasizes thoughtful diversification and ongoing management to align portfolios with each client's evolving financial objectives.
Retirement Planning
We offer personalized retirement planning designed around each client's unique financial situation, goals, and priorities. Because no two retirements are the same, strategies that are appropriate for one client may not be suitable for another. Our planning process considers factors such as income needs, risk tolerance, time horizon, tax considerations, and legacy goals, with the objective of helping clients make informed decisions and adjust their plans as circumstances change over time.
401K Rollovers
We guide clients through the 401(k) rollover process by first reviewing their existing plan and discussing goals, investment options, and potential tax considerations. When appropriate, we coordinate the rollover to an individual retirement account (IRA) in a way designed to help avoid unnecessary taxes or penalties, and then work with the client to align the new account with their broader investment and retirement strategy.
Insurance Planning
Insurance planning can be a critical component of a well-rounded financial plan. We help clients evaluate life insurance and other coverage options to determine whether they may play a role in protecting income, family, assets, and long-term financial objectives.
Annuities
Annuities can play a role in certain financial plans by helping provide income stability or growth opportunities, depending on the type of product and individual objectives. When appropriate, we evaluate annuities as part of a broader strategy, considering factors such as income needs, risk tolerance, liquidity, and long-term goals to determine whether they align with a client's overall financial plan.
Estate Planning & Trusts
We help clients think through estate planning considerations and long-term legacy goals as part of a comprehensive financial plan. When legal expertise is needed, we work alongside trusted estate planning attorneys to help clients implement wills, trusts, and related strategies.
Tax Advice and Services
We assist clients with tax-aware financial planning by identifying strategies designed to improve tax efficiency and support broader financial goals. When appropriate, we coordinate with trusted CPAs and tax professionals to help ensure clients receive specialized tax guidance.
Education Funding and Planning
We help clients explore education funding strategies designed to support future education expenses while balancing other financial priorities. Options may include savings plans, investment accounts, and other funding vehicles, depending on each family's goals, timeline, and financial situation.
Investment Advice & Management
Investment advice and management are at the core of our practice. We work closely with clients to design, implement, and monitor investment strategies aligned with their goals, time horizon, and risk tolerance, with an emphasis on disciplined management and long-term outcomes.
Wealth Management
Our wealth management philosophy is grounded in time-tested principles of disciplined planning, diversification, and long-term investing, enhanced by sophisticated tools and modern approaches. We focus on helping clients preserve and grow their wealth in a manner aligned with their individual goals, risk tolerance, and time horizon. By combining proven strategies with thoughtful analysis and ongoing oversight, we aim to provide clarity, consistency, and confidence in an ever-changing financial landscape.
Risk Management
Risk management is a critical component of any sound financial strategy. We believe that understanding and managing risk is just as important as pursuing returns, particularly as markets and personal circumstances change over time. By evaluating factors such as market volatility, time horizon, liquidity needs, and individual risk tolerance, we work to help clients make informed decisions and build strategies designed to withstand uncertainty while supporting long-term financial goals.
Money Management
Our money management services focus on prudent asset allocation, ongoing monitoring, and risk management, with the objective of helping clients pursue consistent, long-term financial outcomes aligned with their goals.
Disclosures
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