Mainstay Capital Management is an independent registered investment advisor founded in 2000 and based in Grand Blanc, Michigan. The firm manages investment portfolios and provides comprehensive financial planning for individuals, families, and retirees. Mainstay Capital Management specializes in managing workplace savings plans such as 401(k), 403(b), and 457 accounts—particularly for employees and retirees of major automotive companies and the State of Michigan—as well as Individual Retirement Accounts, annuities, and taxable brokerage accounts. The firm uses a tactical asset allocation approach to build and monitor portfolios using mutual funds, exchange-traded funds, and other securities. Services are provided on a discretionary basis within the scope of each client's risk tolerance and investment objectives. Additionally, Mainstay Capital Management offers comprehensive financial planning covering retirement income, Social Security optimization, estate planning coordination, tax strategies, insurance, and debt management.
Fee Structure
Portfolio-Based Fees (Tiered)
| Portfolio Value | Annual Fee |
|---|---|
| Up to $200K | 1.50% |
| $200K - $500K | 1.00% |
| $500K - $1.0M | 0.70% |
| $1.0M - $5.0M | 0.50% |
| $5.0M - $20.0M | 0.40% |
| $20M+ | 0.40% |
Rates shown are for Mainstay Wealth Management. The firm also maintains a separate schedule for 401(k) portfolio management ranging from 1.00% to 0.15%. Fees are negotiable for accounts over $20,000,000.