Dahring | Cusmano provides holistic financial planning and investment management services on both a discretionary and non-discretionary basis. Founded in 2019 and based in Novi, Michigan, the firm is owned by Kirk Dahring and Angela Cusmano. Dahring | Cusmano tailors its services to individuals, high net worth individuals, family offices, trusts, estates, private foundations, and qualified retirement plans. For individuals, the firm builds comprehensive financial plans covering retirement, education, estate, cash flow, taxes, and insurance needs. For investment portfolios, the firm primarily utilizes mutual funds, exchange-traded funds, individual equities, corporate bonds, real estate investment trusts, and annuities. The firm also provides consulting and fiduciary or non-fiduciary advisory services to qualified retirement plans. Certain advisors at Dahring | Cusmano are dually registered as brokers or insurance agents, creating potential conflicts of interest regarding commissions.
Fee Structure
Portfolio-Based Fees (Tiered)
| Portfolio Value | Annual Fee |
|---|---|
| Up to $250K | 2.00% |
| $250K - $500K | 2.00% |
| $500K - $1.0M | 2.00% |
| $1.0M - $2.5M | 2.00% |
| $2.5M - $5.0M | 2.00% |
| $5M+ | 2.00% |
The advisory fee percentage charged may be up to 2.0% annually. The firm uses a tiered schedule where the highest tier reached applies to all assets. Fees are negotiable.