Michigan
Financial Advisor for Michigan
Ten Point Financial Group is an independent financial services firm based in Detroit, serving Michigan residents from Marquette to Monroe. We focus on Medicare, life insurance, retirement, estate planning, and business tax strategy — coordinated as a single plan, not a stack of disconnected products.
Free
Initial consultation
Independent
We work for you, not a carrier
Statewide
All 83 Michigan counties
Why Michigan
Michigan has a particular financial landscape — automotive and manufacturing pension plans, agricultural communities in the thumb and west side, university towns, and a fast-growing small business segment in Metro Detroit and Grand Rapids. Generic national advice misses much of this. We work with Michigan residents on the financial conversations that matter here — pension elections, Michigan tax considerations, in-state insurance markets, and estate planning that coordinates with Michigan estate attorneys.
How we help
Medicare Planning Across Michigan
We're Michigan-licensed and work with retirees from Marquette to Monroe. Plans, networks, and pricing differ by county — we compare for your specific zip code.
Pension Planning for MI Retirees
Michigan has many legacy automotive and manufacturing pensions. Lump-sum vs. annuity election decisions are some of the highest-stakes financial choices Michigan retirees make. We model both with your CPA's input.
Life Insurance for Michigan Families
Term, whole, IUL, and infinite banking strategies. We shop multiple carriers — you get the right policy for your family, not the highest-commission one.
Business Tax Strategy
S-Corp election analysis, Solo 401(k), Cash Balance plans, missed deductions — for Michigan business owners earning $80K+ in profit.
Estate Planning for Michigan
We coordinate with Michigan estate attorneys. Wills, revocable trusts, POA, healthcare directives, and beneficiary designation audits.
Frequently asked questions
Are you Michigan-licensed?+
Yes. We're licensed for insurance, Medicare, and financial services in Michigan, with carrier appointments across the state's major Medicare, life, and annuity markets.
Do I need to be in Detroit to work with you?+
No. We have clients across Michigan. Most meetings happen virtually anyway. We've worked with retirees in Traverse City, business owners in Grand Rapids, and families in Kalamazoo, Ann Arbor, and the U.P.
How are you different from a big national advisory firm?+
We're smaller and direct. No AUM minimums. No house product list. The work tends to be more personal and we coordinate with your existing CPA and attorney rather than try to replace them.
What's your typical client?+
Wide range. Michigan retirees needing Medicare guidance, families building life insurance and retirement plans, and self-employed Michiganders looking for tax strategy. The right conversation depends on your situation, not your account balance.
Do you charge for the first meeting?+
No. The initial consultation is free. We use it to understand your situation and explain options. If we're a fit to keep working together, we'll explain how we're compensated before any specific recommendation.
Learn more
Free Michigan consultation
Tell us where you are today. We'll review your current plan, point out gaps, and only suggest changes that genuinely help.
Educational content only. Not financial, legal, or tax advice. All services are provided by licensed professionals. Coverage decisions depend on individual circumstances.