Our team of financial planners, investment advisors, retirement counselors, and certified accountants work together to meet all your financial needs under one roof.
Our financial planning services are designed to provide you with comprehensive and straightforward guidance, enabling you to navigate life’s unexpected twists while working towards your financial goals. The entire process is designed to help you pursue financial confidence, no matter what challenges or opportunities come your way.
Asset Allocation Planning | College Tuition Planning | Debt Cancellation Planning | Estate Planning Strategies | Insurance Needs Analysis | Social Security Maximization
Our investment management services help you determine the mix of products that is most appropriate for your goals, risk tolerance, and time horizon. We’ve fine-tuned our investment process to build your personalized, comprehensive portfolio. And with decades of investment experience, we know how to respond to life changes and market shifts to keep you on course.
Managed Accounts | Mutual Funds | Annuities | IRAs | Certificates of Deposits | Brokerage Accounts | Stocks | Bonds | 529 Plans | Structured Investments | Treasury Bills | Government Securities | Treasury Notes
Our insurance planning services prepare you for the unexpected and protect your family and assets from accidents, disasters, and liabilities. As licensed professionals we help you assess your current coverage and answer important questions like, “What type and how much insurance do I need?” “How does the underwriting process work?” and “What if my needs change?”—all without the complicated jargon and high-pressure sales pitch.
Term Life Insurance | Whole Life Insurance | Universal Life Insurance | Variable Life Insurance | Last Survivor Life Insurance | Long Term Care Insurance | Disability Income Insurance
Our retirement planning services help you identify your goals and customize short and long term strategies to get there. We’ll review projections to see what kind of lifestyle you can expect in your nonworking years and we’ll track changes in your assets and life to help maximize your opportunities as the day approaches. Retirement doesn’t have to be overwhelming. We’ll help you make proactive decisions and take the next right step with confidence.
Retirement Income Planning | Social Security Optimization | 401(k) and IRA Rollover Strategies | Pension Maximization | Tax-Efficient Retirement Strategies | Estate Planning for Retirement | Medicare and Healthcare Cost Planning | Long-Term Care Planning | Inflation and Market Risk Management
Our tax planning services go beyond tax preparation to help maximize your returns for years to come. With CPAs and tax preparers on our team we look down the road for opportunities in education planning, retirement saving, Social Security strategies, estate planning, and more, integrating your tax strategy with your financial plan for the biggest impact.
IRS Form 1040 – US Individual Income Tax Return | Resident and Non-Resident State Returns | Tax Planning | Estimated Tax Payments | Electronic Filing
Recessions, downturns, and volatility are stressful, but they don’t have to derail your plan. With decades of experience, we know how to help you navigate every market condition.
New stage of life, new hobby, or new family member—life is dynamic, but no matter the changes, we’re here to help you figure out where you want to go and plan how to get there.
When should I start to draw from Social Security? Am I paying more than I need to in taxes? Our team of professionals will answer your biggest questions in language you can understand.
Life happens. When you’re facing difficult news or unexpected events, we’re proud to be one of your first calls. Lean on us for confidence and a clear next step.
At True Blue Financial, we believe your true return on investment comes from our exceptional service and our commitment to quality.
It’s not just in our name—uncompromising client care is at the heart of everything we do. It’s why we’re independent from the big firms. It’s why we’re deeply rooted in the community. It’s why we help to make complicated financial matters approachable. And it’s why we strive to be a trusted partner for families in Southwest Michigan.
7889 Red Arrow Highway
PO Box 198
Stevensville, MI 49127
667 West Main, Suite A
Benton Harbor, MI 49022
Have a lot of questions about your retirement journey? Our Retirement Readiness Handbook is a good place to find some answers. Get started on your journey toward a fulfilling retirement with this guide—packed with clear, actionable steps to help you along the way.
At True Blue Financial, we offer two primary fee structures to best suit your investment needs. Our managed account structure follows a linear tiered system, where the more you invest, the lower your fee percentage becomes. This comprehensive fee covers all trading, management, and research costs. Alternatively, we provide a brokerage-style account that operates on a transactional basis, involving sales charges or commissions for each trade or change made in your portfolio.
We recommend you bring as much financial documentation as possible to the first meeting. This includes Social Security statements, life insurance policies, 401k balances, bank statements, and liability statements like mortgages or car loans. The more information you can provide, the better equipped we are to tailor our advice and strategies to your unique financial situation. For more information, check out our Getting Started page.
Our hybrid model uniquely positions us to offer a broad range of services. True Blue Financial is a Registered Investment Advisor and our investment advisor representatives also serve as registered representatives of LPL Financial, our custodian and broker/dealer. This allows us to cater to diverse investment needs and preferences. Since we are an independent financial firm, we offer more freedom of product choice, higher quality service, and individualized care for each of our clients.
While True Blue Financial primarily serves clients in Southwest Michigan, we are licensed in multiple states and equipped to work with clients across the U.S. We embrace technology like virtual meetings to stay connected with our clients, whether they’re local or across the country. Our commitment to and experience with digital solutions means that no matter where you are, we’re here to manage your finances effectively.
We offer specialized financial guidance for employees of AEP, Whirlpool, and Corewell Health, helping them integrate their employee retirement offerings into their greater financial picture. For AEP employees, we navigate pension decisions, including the choice between lump sum and annuity options. Whirlpool employees benefit from our strategies surrounding non-Roth 401(k) plans and early retirement offers. For Corewell Health employees, we focus on maximizing their 403(b) plans and exploring in-service distribution options. Our expertise in these specific company benefits ensures tailored advice for your unique financial needs.
Yes! Our team is proud to be a fiduciary, meaning we adhere to the highest standard of care and prioritize your interests above our own. You don’t have to second guess our motives or worry about conflicts of interest. As an independent firm, we are loyal to you instead of a large parent company. We have the freedom to serve you better and offer the solutions your family deserves.
No strong arming or shaming here. Trust starts with a simple conversation—virtual or in person to fit your needs. Let’s talk about where you’re at and where you want to be. Together we’ll start strategizing how to get you closer to your goals.
7889 Red Arrow Highway
PO Box 198
Stevensville, MI 49127
667 West Main, Suite A
Benton Harbor, MI 49022
Our office in Benton Harbor is open to serve you. Schedule an in-person appointment with us today.
667 W Main St Suite A
Benton Harbor, MI 49022
Hours:
Monday-Friday 8:30 a.m. — 5 p.m.
