Who We Are

Michael’s vision has been to offer unique value to his clients with education and services that are independent of product sales commissions and available to clients of all income levels.  As a non-commission fiduciary, we are able to accomplish that goal and always put the best interest of the clients first.

Starting in the early 2000’s with a passion for personal finance, Michael began his financial journey by leading small church groups in the “Financial Peace University” program.  Since then, he has been involved with other publicly available finance programs and in 2009 wrote his own workbook entitled “Get a G.R.A.S.P. on your Budget and your Cash” with a corresponding budgeting software program entitled “Family Series,” based on Microsoft Excel.

In 2015, Michael completed all the course work for certification in financial planning from Walsh Business College and became a financial planner and investment advisor representative with Garrett Investment Advisors, LLC, a fee-only SEC-registered investment advisor firm.  He has an undergraduate degree in Mathematics and Computer Science from Lawrence Technological University, received his Executive Education from Harvard Business School and attended the Wayne State University/Kaufman Foundation’s “Fast Track” Entrepreneur Program. 

Combining these real life skills and academics, we bring our clients unique value in developing your personalized financial plan, helping you get out of debt, set realistic financial goals and develop a personalized strategy to get there.

Our Mission is to Provide You with the Education, Tools and Fiduciary Advice that is in the Best Interest for You and Your Family

If you are looking to better manage your life, family or business through sound financial advice and develop a complete financial plan, we are the consultant for you. 

We want to be your financial Trusted Advisor.

How We’re Different

  1. We practice fee-only financial services

  2. We do not take commissions from any product sale

  3. We are fiduciaries - the client’s best interest is our first interest

  4. We develop customized financial plans based on your individual and family needs

  5. We look at all aspects of financial planning from basic budgeting to insurance and retirement needs to tax and estate planning

Core Values

  1. 1)Fiduciary First” - Your best interest comes first

  2. 2)Excellence through Education in Finance and Economics to bring the best advice possible in a rapidly changing world

  3. 3)Execute with Integrity

Our Business Model and Disclosures


Michael T. Kastler, Financial Planner and Investment Advisor Representative

Our Mission is to Provide You with the Education, Tools and Fiduciary Advice that is in the Best Interest for  You and Your Family

Your Personal Finance Fiduciary and Investment Consultant