Advance Capital Management Inc

Advance Capital Management, established in 1986, offers investment advisory services to a diverse client base, including individuals, investment advisers, retirement plans, trusts, and corporations. The firm manages over $4.5 billion in assets, with a focus on financial planning tailored to individual needs and objectives. Investment recommendations typically involve mutual funds and ETFs, with the option for advice on a broader range of securities. Institutional investment consulting services are provided on a discretionary or non-discretionary basis, along with platform advisory services for other investment advisers. The firm also offers comprehensive consulting and advisory services for retirement plans, including fiduciary investment management. Advance Capital Management charges fees based on assets under management, with annual rates ranging from 0.65% to 1.0% for individuals and 0.25% to 0.40% for institutional clients. The firm does not charge performance-based fees and acts as a fiduciary to clients, ensuring their best interests are prioritized. Clients have the option for investment discretion, allowing the firm to make purchase and sale decisions on their behalf. The firm's investment strategies primarily involve mutual funds, ETFs, and alternative investments to enhance diversification, with a focus on risk management and long-term growth. Advance Capital Management maintains a Code of Ethics, ensuring compliance with SEC regulations and client protection. The firm utilizes Charles Schwab for custodial services and does not maintain custody of client funds. Additionally, Advance Capital Management has a Business Continuity Plan in place to address potential business disruptions and a Customer Identification Program to verify client identities and comply with regulatory requirements.