Detroit, Michigan
Financial Advisor in Detroit, MI
Ten Point Financial Group is an independent financial services firm based in Detroit, helping families and business owners across Michigan and nationwide make better money decisions. We educate first, let you decide. No pressure. No pitch.
Free
Initial consultation
Independent
We work for you, not a carrier
Education-first
You decide what fits
Why Detroit
Detroit's economy runs on a mix of legacy industry, healthcare, professional services, and a fast-growing small business segment. Most national advisory firms treat Detroit households as an afterthought — generic plans, no local context, transactional relationships. We work differently. Our clients are Detroit and Metro Detroit families, self-employed professionals, and business owners building wealth on their own terms. We coordinate with your CPA and attorney instead of replacing them, and every recommendation gets explained in plain English before you sign anything.
How we help
Medicare Planning
Comprehensive guidance through Original Medicare, Advantage, Supplement, and Part D — including enrollment windows and switching rules for Michigan residents.
Life Insurance
Term, whole, IUL, and infinite banking strategies. Free needs analysis. We shop multiple carriers — you get the right policy, not whatever pays the most commission.
Retirement Planning
401(k), IRA, Roth strategies, Social Security timing, sequence-of-returns defense, and annuity income planning.
Estate Planning
Wills, trusts, POA, healthcare directives. We coordinate with your estate attorney; we don't replace them.
Business Tax Strategy
S-Corp election analysis, business retirement plans (Solo 401(k), Cash Balance), missed-deduction audits — the planning your CPA isn't paid to do.
Frequently asked questions
Are you fee-only or commission-based?+
We're independent insurance and financial professionals. Compensation varies by product — we explain how we're paid on every recommendation before you decide. Initial consultations are always free.
Do I have to be a Detroit resident to work with you?+
No. We're based in Detroit and licensed across multiple states. Most meetings happen virtually, so location rarely matters.
I already have a financial advisor. Why would I need another?+
We're often the second-opinion conversation — looking at insurance, Medicare, tax strategy, and estate planning that traditional investment advisors don't cover. We coordinate with your existing team, not compete with them.
What's your fee structure for ongoing planning?+
It depends on what you need. Some clients work with us on a project basis (e.g., a one-time Medicare review). Others retain us as their long-term planning team. We'll lay out options after our first meeting.
How quickly can I get an appointment?+
Usually within 1-2 business days. We protect time for new conversations because the first meeting is where the relationship is built.
Learn more
Schedule a free consultation
Tell us about your situation. We'll review your current plan, point out gaps, and only suggest changes that actually help.
Educational content only. Not financial, legal, or tax advice. All services are provided by licensed professionals. Coverage decisions depend on individual circumstances.