Birch Bay Financial Planning is a registered investment advisor founded in April 2026 and located in Orion, Illinois. Led by founder and Chief Compliance Officer McCarroll Zevenbergen, the firm offers comprehensive wealth management services that combine ongoing investment management with personalized financial planning. Birch Bay Financial Planning helps clients build tailored investment portfolios using stocks, bonds, mutual funds, exchange-traded funds, and government securities, applying Modern Portfolio Theory and passive investment strategies. In addition to portfolio management, the firm provides financial planning covering retirement planning, tax strategies, cash flow and debt management, estate planning, insurance analysis, college savings, employee benefits optimization, and business consulting. Birch Bay Financial Planning operates as a fee-only firm, meaning they are compensated solely by client fees and do not accept commissions or product sales compensation.
Fee Structure
Portfolio-Based Fees (Tiered)
| Portfolio Value | Annual Fee |
|---|---|
| Up to $200K | Included |
| $200K - $500K | 1.00% |
| $500K - $1.0M | 0.95% |
| $1.0M - $1.5M | 0.90% |
| $1.5M - $2.0M | 0.85% |
| $2M+ | 0.80% |
Fees are negotiable. Portions of assets under $200,000 pay a standalone planning fee with no investment management fee percentage. Fees are paid monthly in arrears based on average daily balances.