Financial Planning

Helping you navigate life's currents.


This critical piece of the investment process is often misunderstood by most investors, and understandably so. Insurance companies, brokerages, and accountants all offer ‘planning’ and the definition has been mired by ‘products’ representing planning. This is not planning.

Our planning process normally involves seven points:

  1. Accurately understanding and outlining your concerns – the most important step

  2. Reiterating those concerns back to you to make sure we are on the same page

  3. Taking inventory of what you have done so far

  4. Answering some questions you might or might not have thought about

  5. Completing a comprehensive, deliverable report for you to analyze

  6. Recommended manageable next steps

  7. Adjusting the plan after we review the report together and at defined intervals in the future

Planning almost always delivers peace of mind for our clients because there is freedom and comfort gained through a holistic understanding of their financial lives and how it affects the ones they care about most.

Our Financial Plan often addresses the following topics:


This includes all the moving parts of a person’s financial situation; investment accounts, real estate, other assets, and any liabilities.​


It is vital to understand how your total portfolio is allocated and what you might expect for performance over time. Will it grow enough to fund your goals? Is it underperforming on a risk adjusted basis? Should it be allocated differently after retirement? These are all questions we can help you answer.​


Many people have an idea of the various income sources they will have in retirement, however, most people have never seen how all the pieces work together over time. We combine your assets, Social Security, pension, income and liabilities to create cash flow projections. You will be able to visibly see what your potential taxes might be and when any shortfalls may begin.​


While we hope everyone can enjoy a long life together, illness and accidents happen and they can greatly affect financial outcomes. We will help you take a close look to see if there are any risks you should be aware of in the event of an untimely death.


With current medical advances, never before has the threat of a long life depleting your resources been so acute. We want you to live a long time, but inflation poses a significant threat over a long lifetime. We will analyze that as well.


Education, Disability, Long-Term Care, Business Sale, Estate Planning...There are a host of other circumstances clients face. We are able to help them navigate those goals and circumstances through the use of comprehensive, easy to understand reports.

Please remember that past performance may not be indicative of future results.  Different types of investments involve varying degrees of risk, and there can be no assurance that the future performance of any specific investment, investment strategy, or product (including the investments and/or investment strategies recommended or undertaken by GuideStream Financial, Inc. (“GuideStream Financial”), or any non-investment related content, made reference to directly or indirectly in this document will be profitable, equal any corresponding indicated historical performance level(s), be suitable for your portfolio or individual situation, or prove successful.  Due to various factors, including changing market conditions and/or applicable laws, the content may no longer be reflective of current opinions or positions. Moreover, you should not assume that any discussion or information contained in this document serves as the receipt of, or as a substitute for, personalized investment advice from GuideStream Financial.  To the extent that a reader has any questions regarding the applicability of any specific issue discussed above to his/her individual situation, he/she is encouraged to consult with the professional advisor of his/her choosing.  GuideStream Financial is neither a law firm nor a certified public accounting firm and no portion of the document content should be construed as legal or accounting advice.  A copy of the GuideStream Financial’s current written disclosure Brochure discussing our advisory services and fees is available upon request. If you are a GuideStream Financial client, please remember to contact GuideStream Financial, in writing, if there are any changes in your personal/financial situation or investment objectives for the purpose of reviewing/evaluating/revising our previous recommendations and/or services, or if you would like to impose, add, or to modify any reasonable restrictions to our investment advisory services. 


Our calling is to enable you to experience the joy & peace of building your financial life and legacy to its God given potential.

GuideStream Financial is a ministry of FMF Financial Services


Monday: 8:00 am – 5:00 pm
Tuesday: 8:00 am – 5:00 pm
Wednesday: 8:00 am – 5:00 pm
Thursday: 8:00 am – 5:00 pm
Friday: 8:00 am – 4:00 pm
Saturday: Closed
Sunday: Closed
(hours are eastern time)


8050 Spring Arbor Rd.
PO Box 580
Spring Arbor, MI 49283
phone: (517) 750-2727
fax: (517) 750-2752