Business Details
4 Years
experience
Your Trusted Fiduciary Financial Advisor in Michigan
Telos Financial was founded on the principle that financial planning should be a collaborative, client-centered process rooted in trust and transparency. As a fiduciary financial advisor, we prioritize our clients' interests above all else, offering personalized strategies tailored to their unique goals. Our team holds prestigious industry designations, including CERTIFIED FINANCIAL PLANNER (CFP) and Chartered Life Underwriter (CLU), reflecting our commitment to excellence and continuous professional development. We serve clients nationwide, specializing in working with young professionals, families, and individuals at all life stages, from early career planning to retirement.Our approach combines modern portfolio theory with comprehensive financial planning to address tax efficiency, risk management, and long-term wealth growth. We operate with full fee transparency, offering asset-based pricing and fixed-fee planning options. Our dedication to ethical standards is reinforced by our fiduciary oath and participation in 1% for the Planet, demonstrating our commitment to both client success and environmental stewardship.
Services
Financial Planning
Wealth Management
Retirement Planning
Tax Optimization
Insurance Analysis
Estate Planning
College Savings
Small Business Consulting
Details
- Year established: 2022
Highlights and features
- We operate as fiduciaries, legally obligated to act in your best interest
- Our advisors hold prestigious CFP and CLU industry designations
- We offer transparent fee structures with no hidden costs
- We provide personalized financial plans tailored to individual life goals
- We serve clients nationwide with both in-person and virtual consultations
Associations and certifications
- CERTIFIED FINANCIAL PLANNER
- Chartered Life Underwriter (CLU)
Services
Financial Planning
Our comprehensive financial planning service creates personalized roadmaps to help clients achieve their financial goals. We analyze your current financial situation, risk tolerance, and long-term objectives to develop customized strategies covering retirement, tax optimization, and estate planning. Our CFP professionals work collaboratively with clients to ensure their financial plans evolve with life changes while maintaining focus on their ultimate financial objectives.
Wealth Management
Our wealth management service combines modern portfolio theory with strategic asset allocation to optimize investment growth while managing risk. We create diversified portfolios tailored to individual risk profiles and financial goals, with ongoing monitoring and rebalancing. Our fee-based approach ensures transparency while we help clients build and preserve wealth through market cycles using evidence-based investment strategies.
Retirement Planning
Our retirement planning service focuses on creating sustainable income streams and optimizing savings strategies for long-term financial security. We analyze Social Security optimization, pension considerations, and tax-efficient withdrawal strategies to develop comprehensive retirement plans. Through scenario analysis and regular progress monitoring, we help clients build confidence in their financial future while addressing potential risks to their retirement goals.
Insurance Analysis
Our insurance analysis service evaluates clients' existing coverage and identifies protection gaps to ensure adequate financial safeguards. We provide objective recommendations on life, disability, and long-term care insurance solutions that align with individual needs and financial plans. Our fiduciary approach ensures recommendations prioritize clients' best interests rather than carrier incentives or commissions.
Estate Planning
Our estate planning service focuses on creating efficient wealth transfer strategies while minimizing tax implications. We collaborate with legal and tax professionals to implement wills, trusts, and beneficiary designations that align with clients' wishes. Our comprehensive approach ensures smooth asset transition to heirs while addressing potential challenges in estate settlement processes.
People
Dennis LaVoy
Financial Advisor
Dennis LaVoy is a CERTIFIED FINANCIAL PLANNER and Chartered Life Underwriter with over 15 years of experience helping clients achieve financial independence. He specializes in working with young professionals and families, creating personalized financial strategies that evolve with their changing needs.
Questions
What services does Telos Financial offer?
We provide comprehensive financial planning, wealth management, retirement planning, tax optimization, insurance analysis, estate planning, and small business consulting services tailored to individual client needs.
Are you a fiduciary financial advisor?
Yes, we operate as fiduciaries and are legally obligated to act in our clients' best interests at all times, putting their financial goals above any potential conflicts of interest.
What areas do you serve?
While based in Plymouth, Michigan, we serve clients nationwide through virtual consultations and in-person meetings for local clients in the Detroit and Ann Arbor areas.
What qualifications do your advisors hold?
Our advisors hold prestigious industry designations including CERTIFIED FINANCIAL PLANNER (CFP) and Chartered Life Underwriter (CLU), demonstrating advanced expertise and commitment to ethical standards.
How are your fees structured?
We offer transparent fee structures including asset-based pricing for investment management and fixed fees for financial planning services, with no hidden costs or commission-based product incentives.
How often do you meet with clients?
We typically schedule quarterly portfolio reviews and annual comprehensive plan updates, with additional meetings available as needed for significant life changes or market events.
Videos
Reviews (1)
Jeff O'Boyle
Jun 19, 2019
Report
I have known Dennis LaVoy with Telos Financial for a few months now and it would be my absolute pleasure to recommend him. Dennis has proven to be professional, honest, and approachable throughout every interaction I had with him. He is innovative in his calculations and importantly, is solution oriented in any financial scenario. I am grateful to have met him.
