Troy, Michigan
Financial Advisor for Troy Executives & Owners
Troy is Metro Detroit's corporate epicenter — major employer headquarters, dense executive populations, and high-income two-earner households. Ten Point Financial Group works with Troy professionals on the financial questions that come with that landscape: equity compensation, executive benefits, retirement plan stacking, and tax strategy that goes beyond what corporate HR handles.
Free
Initial consultation
Independent
We work for you
Coordinated
With your CPA and attorney
Why Troy
Troy households often have complexity that generic advice misses — corporate equity vesting, RSUs, ISOs, deferred compensation, executive bonus plans, and multi-state tax exposure if there's been relocation. We help Troy executives and business owners design integrated plans that account for all the moving parts — not just the 401(k).
How we help
Executive Compensation Planning
RSUs, NQSOs, ISOs, ESPPs, deferred comp. When to exercise, when to hold, and how to manage concentrated stock risk.
Retirement Plan Stacking
Maxing 401(k) + mega backdoor Roth + spousal IRA + HSA for high-earning Troy households. We map every available tax-advantaged dollar.
Business Owner Strategy
S-Corp planning, Solo 401(k), Cash Balance plans for Troy business owners doing $250K+ in profit.
Estate Planning for High-Net-Worth Households
Revocable + irrevocable trusts, generation-skipping strategies, and the 2026 federal exemption sunset planning window.
Insurance for Income Protection
Term life at the right coverage for Troy's two-earner households, disability insurance, and umbrella liability matched to growing net worth.
Frequently asked questions
I work for a major Troy employer. Doesn't my corporate benefits team handle this?+
They handle YOUR slice of the company's plan. We handle the whole picture — including what's outside the company plan (Roth, taxable accounts, real estate, insurance, estate).
Do you specialize in RSUs and stock options?+
Yes. Equity comp planning is one of the most common Troy conversations we have. We coordinate with your CPA on the tax side.
What's the typical net worth of your Troy clients?+
Range is wide — from young professionals just starting to build, to retired executives with $5M-$20M. We work with both. The right conversation depends on the situation, not the balance.
How do you compare to a big national advisory firm?+
We're smaller and more direct. Big firms often have AUM minimums and a house product list. We don't have either. The work tends to be more personal and more responsive.
Do you work with retired Troy executives?+
Yes. The post-retirement planning conversation often involves Roth conversions, Social Security timing, Medicare integration, and estate coordination — all things we focus on.
Learn more
Schedule a free consultation
Bring your current plan, your equity comp situation, and your questions. We'll map gaps and propose strategies — no pressure to engage further.
Educational content only. Not financial, legal, or tax advice. All services are provided by licensed professionals. Coverage decisions depend on individual circumstances.