We serve people at all income levels, from all walks of life. Clients have the flexibility to work with us either on a one-time, as needed basis or an ongoing basis. We welcome clients who simply need a one-time financial consultation or a second opinion, as well as those who need ongoing comprehensive financial planning and investment advice.
As fee-only financial planners all conflicts of interest regarding compensation are removed. We do not accept commissions; we work solely for our clients. Because we do not sell financial products such as investments, insurance or annuities, there are no third-party relationships or outside influences to color our thinking and financial recommendations. In addition, Chartwell Financial Management, Inc. is a registered investment advisor; as such, we must comply with numerous regulations designed to protect the consumer. We would be happy to send you a copy of our ADV Part 2, the document that we file with the State of Michigan.
Financial planning is a multi-step process that provides you with two important things: (1) An in-depth review of your current financial situation, and (2) a blueprint that shows you how to achieve your goals and objectives for the future. It is important to remember that financial planning is a process, not an event.
First we focus on your goals, objectives, priorities and values. For instance: funding a quality education for your children and/or grandchildren may be an immediate goal, and enjoying a secure financial future in your retirement years is likely to be one of your most important long-term goals. You may already be on the road to meeting these objectives and simply need a new strategy, professional insight, or to fine-tune your plan. Whatever your unique situation may be, everyone needs a periodic assessment of where they are on the road to meeting their financial goals. By analyzing such factors as cash flow, investments, taxes, pension and retirement plans, estate planning, insurance issues, savings opportunities and other general financial manners, we design a customized financial plan for you. Finally, to achieve the intended results, you must implement and monitor your plan.
While we do not sell financial products, we will offer specific recommendations and opinions regarding the purchase of various financial products that may be appropriate for you. If you need to obtain an insurance policy or a new mortgage, invest in a portfolio of mutual funds, or find an estate planning attorney or a tax professional, we will direct you to resources you need and/or help you obtain these products and services. If appropriate, we can also help you implement your plan and set up your accounts.
No. Although a comprehensive financial plan can provide the greatest benefits, we can limit our advisory services to your specific needs, such as cash management, college funding, investment portfolio analysis or 401(k) plan review.
Yes. Some firms have income and/or net worth minimums but at Chartwell Financial Management, we realize that everyone has financial needs. We are proud to work with people from all income levels, and all walks of life. Remember: “You don’t have to have a fortune to start building one.” Call us today and let’s get started!
The fees are based upon the actual time involved in meeting with you in person or over the phone, researching and analyzing your current situation, and providing specific recommendations and implementation assistance (if appropriate). Hourly rates are charged at $100 per hour.
The total fee for a financial plan will vary from client to client based upon the specific needs and complexity of your situation. An estimate is provided after a free “Get Acquainted” meeting, when your personal needs are fully identified. In general, fees range from $200 to $500.
Yes. Section 212 of the Internal Revenue Code permits an itemized deduction for tax and/or investment advice in the miscellaneous section of Schedule A. It is subject to a 2% floor of the adjusted gross income on a personal tax return.
Depending on your preferences, the actual engagement of services may end or you may choose the ongoing retainer client program where we work together on an ongoing basis to better ensure achievement of your goals. Because financial planning is a process, not an event, we offer ongoing services, periodic reviews and day-to-day consultation as requested and or needed.
The first step is to call us at (269) 375-8788 or (800) 882-0303 or e-mail at chartwellfm@aol.com. We offer an initial no-cost, no-obligation “Get Acquainted” meeting. Most clients find the financial planning process to be stimulating and enlightening. The end result, of course, is greater peace of mind. We look forward to helping YOU build a brighter financial future!

Contact Information

David R. DeLeeuw, President

5464 Holiday Terrace

Kalamazoo, Michigan 49009

(269) 375-8788

(800) 882-0303