The Financial Planning Company

The Financial Planning Company is a financial planner in Detroit, MI. It operates as a fee-only fiduciary registered investment advisor, providing investment management, financial planning, and retirement planning services to individuals, families, and 401(k) plans. The firm builds diversified, low-cost investment portfolios and creates personalized financial plans. It holds a rating of 5.00 based on 35 reviews.

The firm was founded by Brewster Smith in 2016 and is headquartered in Royal Oak, Michigan, while serving clients locally and across the nation. As a fiduciary, it has a legal obligation to put client interests ahead of its own, with 100 percent of its compensation paid by clients. The investment approach is evidence-based, rooted in Nobel Prize-winning research, to build globally diversified portfolios. The firm performs quarterly portfolio rebalancing using a systematic approach to promote stability while minimizing taxes and trading costs. Specific services include tax-efficient asset placement, tax loss harvesting, and trading with minimal turnover. Financial planning covers retirement, wealth building, estate planning, balance sheet and spending analysis, college and education planning, and special needs planning. Brewster Smith, the President, graduated from Cranbrook Kingswood and Albion College's Gerstacker School of Business. He has worked in finance for over a decade, including roles as a research analyst at FIG Partners Investment Bank in Chicago, a stock analyst at Southern Cross Equities in Sydney, Australia, and a financial analyst at UBS and Diversified Portfolios in Bloomfield Hills, Michigan. Carr Cavender serves as a Consultant and director of the impact investment portfolio for his family office. He completed the Wharton School of Business Private Wealth Management Program in 2017 and trained on the board of his family's investment office for three years, studying asset allocation and manager performance.

The Financial Planning Company maintains a strong local reputation, reflected in consistently high customer ratings and a steady record of repeat and referred customers. This standing aligns with its focus on fiduciary duty and low-cost, evidence-based investment strategies for clients in the Detroit and Royal Oak areas.

Services:

• Estate Planning
• Investment Management
• Retirement Planning
• Tax Efficient Asset Placement
• Wealth Building