MDAdvise Financial is a registered investment advisor based in Holt, Michigan, owned by Richard Diaz Jr. The firm offers personalized financial advisory services, including investment management, comprehensive financial planning, and insurance solutions. For investment management, MDAdvise Financial builds customized portfolios using tactical and strategic asset allocation models, and may recommend external managers to handle portions of a client's portfolio. The financial planning process addresses key areas such as debt reduction, budgeting, asset reallocation, retirement planning, education funding, legacy planning, tax-efficient investing, and risk management. MDAdvise Financial tailors its advice to each client's unique financial situation, goals, and risk tolerance through ongoing monitoring and reviews. Additionally, the firm's professionals may offer insurance products separately for a commission, creating a conflict of interest that is managed through disclosure and by excluding insurance assets from advisory fees.
Fee Structure
Portfolio-Based Fees (Tiered)
| Portfolio Value | Annual Fee |
|---|---|
| Up to $1.0M | 1.00% |
| $1M+ | 0.75% |
Fees are generally negotiable based on client circumstances, account complexity, number and size of accounts, and scope of relationship. Annual advisory fee will never exceed 1%.