Business Details
18 Years
experience
Your Finances Deserve the Loyal Treatment
True Blue Financial is a full-service financial advisory firm dedicated to providing independent, client-first financial wisdom to individuals and families across Southwest Michigan. With over four decades of combined experience, our team of certified financial planners, investment advisors, and CPAs collaborates to address all aspects of financial well-being, including retirement planning, investment management, tax strategies, and insurance solutions.We prioritize approachability, independence, and comprehensiveness, ensuring clients receive personalized guidance tailored to their unique goals. As fiduciaries, we uphold the highest standards of integrity, offering transparent advice without hidden agendas. Our commitment to the community and decades of service have solidified our reputation as a trusted partner in navigating financial challenges and opportunities.
Services
Financial Planning
Investment Management
Retirement Planning
Tax Planning
Insurance Planning
Estate Planning
Social Security Optimization
401(k) Rollover Strategies
Long-Term Care Planning
Medicare Planning
Details
- Year established: 2008
Highlights and features
- We offer over four decades of combined experience in financial planning and investment management.
- Our team includes CERTIFIED FINANCIAL PLANNERS and CPAs with specialized expertise.
- We operate as fiduciaries, prioritizing client interests above all else.
- Our hybrid model provides access to a broad range of investment products and services.
- We specialize in tailored financial strategies for employees of major local employers.
Associations and certifications
- Registered Investment Advisor (RIA)
- Certified Public Accountant (CPA)
Services
Financial Planning
Our financial planning services provide comprehensive guidance to help clients navigate life's uncertainties while pursuing financial goals. We analyze assets, liabilities, and long-term objectives to create personalized strategies that address education funding, debt management, and estate planning. With a focus on clarity and actionable steps, we empower clients to build confidence in their financial future through tailored solutions.
Investment Management
Investment management services focus on constructing personalized portfolios aligned with client goals, risk tolerance, and time horizons. We utilize managed accounts, mutual funds, and structured investments to optimize returns while adapting to market changes. Our team continuously monitors and adjusts strategies to ensure alignment with evolving financial circumstances, emphasizing long-term growth and stability for clients.
Retirement Planning
Retirement planning services help clients define and achieve their post-career lifestyle goals. We develop customized strategies for Social Security optimization, 401(k) rollovers, and tax-efficient income planning. By analyzing pension options and healthcare costs, we ensure clients maximize their savings while preparing for inflation and long-term care needs through proactive, data-driven recommendations.
Tax Planning
Our tax planning services integrate with broader financial strategies to minimize liabilities and maximize returns. CPAs and tax experts analyze education savings, retirement accounts, and estate plans to identify opportunities for tax efficiency. We prepare federal and state returns while providing year-round advice to help clients navigate complex tax implications aligned with their overall financial objectives.
Insurance Planning
Insurance planning services assess coverage needs to protect clients against unforeseen events. We evaluate life, disability, and long-term care policies to ensure adequate protection for families and assets. By explaining underwriting processes and policy options without high-pressure sales tactics, we help clients make informed decisions that complement their broader financial plans.
People
Luke Brown
Founder & President
Luke Brown founded True Blue Financial in 2008 after 25 years in financial services. A CERTIFIED FINANCIAL PLANNER, he specializes in retirement and wealth management strategies while serving on nonprofit boards and teaching at Cornerstone University.
Vicki Holt
Certified Financial Planner
Vicki Holt has served clients at True Blue Financial for nearly 20 years. She earned her CFP designation in 2019 and focuses on long-term financial strategies, drawing from personal experiences to help clients visualize their financial futures.
Rick Martin
Operations Manager
Rick Martin, a CPA and former U.S. Army officer, brings tax expertise and operational leadership to True Blue Financial. He specializes in educating clients about tax implications within their broader financial plans.
Nicole Coar
Financial Advisor
Nicole Coar provides personalized financial advice to Southwest Michigan residents, focusing on investment management and retirement planning. She builds long-term relationships while helping clients navigate complex financial decisions with clarity.
Trish Vigansky
Business Administrator
Trish Vigansky, a CPA with 35 years at Whirlpool Corporation, supports tax planning and financial analysis at True Blue Financial. She specializes in improving operational efficiency while maintaining direct client connections.
Questions
How are True Blue Financial's fees structured?
We offer tiered managed account fees based on investment size and transactional brokerage accounts with trade commissions. All costs are transparently disclosed upfront to align with client investment needs.
What should I bring to the first meeting?
Bring financial documents including Social Security statements, 401(k) balances, insurance policies, and liability statements to enable comprehensive, personalized advice during your initial consultation.
What makes True Blue Financial different from other advisors?
Our hybrid model combines Registered Investment Advisor independence with access to LPL Financial's resources, offering product flexibility and personalized service without conflicts of interest.
Can True Blue Financial work with clients outside Southwest Michigan?
Yes, we're licensed in multiple states and use virtual meetings to serve clients nationwide while maintaining the same high level of personalized financial guidance and support.
What services do you offer for Whirlpool or AEP employees?
We specialize in optimizing company retirement plans, including Whirlpool's 401(k) strategies, AEP pension decisions, and Corewell Health 403(b) management to integrate employer benefits with comprehensive financial plans.
Is True Blue Financial a fiduciary?
Yes, we act as fiduciaries required to prioritize client interests above all else, operating independently from large financial institutions to provide unbiased, transparent financial advice.
