Recker Financial LLC manages individually tailored investment portfolios and provides continuous advice based on each client's specific needs and risk tolerance. Founded in 2018 and based in Bay City, Michigan, the firm primarily practices passive investment management using index mutual funds and exchange-traded funds, relying on Modern Portfolio Theory. In addition to portfolio management, Recker Financial offers comprehensive financial planning covering retirement, cash flow and debt management, college savings, employee benefits, tax strategies, risk management, estate planning, and business planning. Clients can also access third-party managers through the firm. Recker Financial does not have a minimum account size requirement and operates with a commitment to acting in clients' best interests.
Fee Structure
Portfolio-Based Fees (Tiered)
| Portfolio Value | Annual Fee |
|---|---|
| Up to $100K | 0.95% |
| $100K - $250K | 0.85% |
| $250K - $500K | 0.65% |
| $500K - $1.0M | 0.60% |
| $1M+ | 0.50% |
Fees are blended, pro-rated, and paid monthly in arrears. Annual fees are negotiable.