About Us
The Institute is a financial planning and investment management firm that is registered as an Investment Advisor (RIA) with the State of Michigan.
Sometimes our clients have a significant one-time financial occurrence such as whether to take a retirement offer or how to structure lifestyle downsizing. Sometimes managing the cash-flow from investments or how the new tax laws will affect a portfolio that seemed to have been "all set."
But there are times when clients truly need a second opinion on the portfolios that have been built and monitored for years - or a lifetime. The professional consultation services of ITM do not replace the transactional services of a broker. In fact ITM does not sell or hold any securities at all. The professional advice you receive allows you to do your own investing or have a better idea (and another opinion) of what your investment professionals at securities firms are doing on your behalf. You may even choose to use our advice while saving money by using a discount broker for trading and housing your investments.
With more than 30 years of financial services and business management experience, David Kubicek, CFP® ,our co-founder, provides customized financial and business plans for clients that include individuals, couples, families, businesses, and nonprofit organizations. His approach is systematic, effective, and transparent. The methodology used in the design of his solutions is available on an individual consultation basis.
David is a CERTIFIED FINANCIAL PLANNER™ practitioner. The CFP®, CERTIFIED FINANCIAL PLANNER™, and
Click here to learn more about ITM principal, David J. Kubicek
Click here to learn more about the CFP® credential,
ITM provides customized financial planning, advice, and management - rather than pre-packaged products or prescribed answers.
In contrast to most financial advisors who are compensated by commissions and product fees, we operate on a fee-only basis. This means that our clients pay consultation fees only, similar to other professionals such as attorneys and accountants.
This business model is relatively rare. Why? Because most investment professionals are associated with firms that sell various investment products in addition to rendering advice. This pay structure creates an inherent conflict of interest. Advice in this environment often calls for products with the highest costs, and thus profit to the provider.
By adhering to fee-only consultation, you can be assured that we focus solely on your interests, not ours. In fact, a key advantage of the ITM process is that we don't hold client securities. This allows us to offer advice across all your investments no matter where they are held.
With ties to Mid and Southeast Michigan, ITM's main office is located at:
32781 Middlebelt Road, Suite B
Who We Are
marks are certification marks owned by the Certified Financial Planner Board of Standards, Inc. These marks are awarded to individuals who successfully complete the CFP Board's initial and ongoing certification requirements.
What We Do
How Our Methods are Different from other Financial Professionals
Office Location
Farmington Hills, MI 48334
Phone: 248.539.5405