Ann Arbor, Michigan
Financial Advisor for Ann Arbor Professionals
Ann Arbor's a unique market — University of Michigan faculty, U-M Health System physicians, tech professionals, and small business owners. Financial planning here often involves 403(b) plans, supplemental pension considerations, equity compensation, and specialized retirement vehicles. Ten Point Financial Group works with Ann Arbor households on the planning conversations that matter at this stage.
Free
Initial consultation
Coordinated
With your existing team
Independent
We work for you
Why Ann Arbor
Ann Arbor households often have complexity that generic advice misses — 403(b)s with multiple vendors, MERS Defined Benefit pensions, U-M-specific retirement plans, equity comp from local startups, and high physician incomes that trigger advanced tax-strategy needs. We help Ann Arbor professionals integrate the pieces — coordinating with your CPA, attorney, and any existing investment advisor.
How we help
403(b) and U-M Retirement Plans
Faculty and U-M Health staff: TIAA-CREF, Fidelity, supplemental pension considerations. Most don't realize they can optimize across vendors.
Physician Tax Strategy
High-income medical professionals have specific tax-strategy opportunities (S-Corp for moonlighting income, Cash Balance plans, charitable strategies).
Equity Compensation
RSUs, ISOs, and ESPPs for tech professionals and startup employees. We coordinate with your CPA on exercise timing.
Retirement Plan Stacking
403(b) + 457(b) (if available) + HSA + Roth IRA — Ann Arbor professionals often have more tax-advantaged space than they realize.
Estate Planning
Wills, revocable trusts, POA, healthcare directives. Coordination with Michigan estate attorneys.
Frequently asked questions
Do you specialize in University of Michigan retirement plans?+
We have experience with U-M 403(b) optimization across TIAA-CREF and Fidelity. The plan structure has specific quirks worth understanding before you make contribution or investment decisions.
How is financial planning different for physicians?+
Higher tax brackets, often multiple income streams (W-2 + moonlighting), specific retirement plan options (Cash Balance is powerful), and elevated lawsuit risk that drives asset-protection considerations.
Do I need to be in Ann Arbor to work with you?+
No. We're based in Detroit and most meetings happen virtually. We've worked with Ann Arbor clients across the city.
What's your typical client?+
Ranges widely — Ann Arbor faculty in their 40s starting to plan retirement, U-M Health physicians needing tax strategy, tech professionals navigating equity comp, and retired Ann Arbor residents managing income strategy.
Learn more
Free Ann Arbor consultation
Bring your situation. We'll map gaps, propose strategies, and tell you honestly if we're a fit.
Educational content only. Not financial, legal, or tax advice. All services are provided by licensed professionals. Coverage decisions depend on individual circumstances.