If you’re thinking about hiring a financial advisor in Ann Arbor, you’re making a smart move. Whether you’re navigating tax decisions, planning for retirement, or managing investments, the right advisor can help you avoid costly mistakes.
But with so many options, from large brokerage firms to independent practices, how do you find the advisor who’s truly right for you?
At Kraft Capital, we help Ann Arbor families, professionals, and retirees build clear, personalized financial plans. Here’s what you should know if you’re considering your next step:
Step 1: Get Clear on What You Actually Need
Not every financial advisor offers the same level of service.
Before you start reaching out, it helps to know what you’re looking for:
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Investment advice only?
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Comprehensive financial planning (employee benefits, retirement, estate)?
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An advisor who offers tax prep services?
At Kraft Capital, we specialize in full-service financial planning, investment management, and tax prep. Our services are designed for people who want more than just basic advice. We work with you through every stage of life, adjusting your plan as your needs evolve.
Step 2: Understand How Advisors in Ann Arbor are Paid
In Ann Arbor, you’ll find three common models:
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Commission-based advisors (who may sell insurance or investment products),
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Fee-based advisors (who charge fees but may also earn commissions),
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Fee-only fiduciary advisors (who are paid only by their clients. No commissions, ever).
Kraft Capital is proudly fee-only and fiduciary. No hidden agendas. No corporate interests. No product sales. Just independent advice designed around your goals.
Step 3: Prioritize Local Ann Arbor Expertise
Choosing a local advisor isn’t just about convenience. It’s about working with someone who understands the nuances of:
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Michigan tax strategies
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Local retirement benefit and pension plans
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University of Michigan employee plans
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Ann Arbor’s housing and cost-of-living landscape
At Kraft Capital, we live and work here. We understand the unique financial opportunities – and challenges – that Ann Arbor families face. Every recommendation we make is grounded in local expertise.
Step 4: Ask the Right Questions
When you meet with a financial advisor, don’t be afraid to dig deeper.
Good questions to ask include:
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Are you a fiduciary 100% of the time?
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How are you compensated?
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What services are included in your ongoing relationship?
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How often will we meet or communicate?
At Kraft Capital, we believe in total transparency. From day one, you’ll know exactly what to expect: how we’re paid, what services we provide, and how we’ll work together to help you reach your goals.
Why Kraft Capital?
You don’t just need an advisor.
You need a partner. Someone who’s in your corner through every financial decision, every life change, and every opportunity ahead.
At Kraft Capital, we offer:
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Truly personalized financial planning
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Evidence-based investment management
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Tax-efficient strategies and return filing
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Clear communication and real relationships
If you’re looking for a fresh, trustworthy approach to financial advice in Ann Arbor, we’re ready to help.
– Clint Kraft
Founder and Financial Advisor, Kraft Capital