SummitView Advisors

What SummitView Advisors does

SummitView Advisors, doing business as Financial Life Management, LLC, is a fee-only fiduciary registered investment adviser founded in August 2018 by Jeff Belmonte and headquartered in Ada, Michigan (Greater Grand Rapids area). The firm delivers comprehensive financial planning and investment management services to individuals and families, with a primary focus on pre-retirees and retirees, and secondary segments including business owners navigating succession or sale events and professionals with concentrated stock compensation. Core offerings include retirement income strategy, tax reduction planning, investment/portfolio management, estate planning analysis, insurance review, cash flow management, education savings, and business transition planning, delivered through a structured six-step onboarding process beginning with an introductory call via Calendly.

The firm operates without proprietary technology platforms and does not disclose any AI/ML tooling or data products; service delivery is built on advisor expertise (anchored by Belmonte's CFP certification and NAPFA/Fee-Only Network memberships, plus Dan Haines as a co-advisory partner) supported by a four-person team that expanded in 2023 with a client service associate and a paraplanner. Client acquisition relies primarily on referrals supplemented by an educational blog and an organic social presence on LinkedIn and Facebook.

Revenue is generated through two recurring streams: asset-based fees starting at 1% of assets under management for clients with $500,000 or more in investable assets, and annual retainer fees for financial planning-only engagements or clients with smaller portfolios, with retainer levels varying by complexity. The firm added nine significant new client relationships in 2023 while operating virtually across Michigan and nationally in addition to its local Grand Rapids/Kalamazoo footprint.

Name

SummitView Advisors

Legal name

Financial Life Management, LLC

Website

https://summitviewadvisor.com

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

1–10 employees

Short description

SummitView Advisors is a fee-only fiduciary registered investment adviser in Ada, Michigan, providing financial planning and investment management to pre-retirees, business owners, and professionals with stock compensation across Michigan and nationally via virtual delivery.

Ownership category

akta.pro rank

Product category

Wealth Management & Financial Advisory

NAICS

Portfolio Management and Investment Advice (523940)

SIC

Investment Advice (6282)

akta.pro industry

PRIMARYFSAEAAAL

Fee-Only Advisory

Financial & Insurance/Financial Advisory, Brokerage & Intermediation/Investment Advisory & Financial Planning

SECONDARYFSAEAAAM

Fee-Based Advisory

Financial & Insurance/Financial Advisory, Brokerage & Intermediation/Investment Advisory & Financial Planning

Keywords

• Fee-only financial planning
• Fiduciary investment management
• Retirement income planning
• Wealth management advisory
• Estate planning services

Headquarters

HQ city

Ada

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Asset-Based Fees: For clients with $500,000 or more in investable assets, the firm charges an asset-based fee starting at 1% of assets under management.
2. Annual Retainer Fees: For clients utilizing financial planning services or with investable assets under $500,000, the firm typically charges an annual retainer fee that varies based on the complexity of the client's situation.

Pricing tiers

Go-to-market motion2 records

Distribution channels1 record

Marketing channels4 records

Core offering

SummitView Advisors is a fee-only fiduciary financial advisory firm that delivers comprehensive financial planning and investment management services to individuals and families. Its core offerings include retirement income planning, tax reduction strategies, investment portfolio management, estate planning, insurance review, cash flow management, education savings, business succession planning, and stock compensation advisory, all delivered through a structured six-step client onboarding process.

Product overview

SummitView Advisors is a fee-only, fiduciary financial advisory firm offering a unified financial planning and investment management service. The core offering consists of Financial Planning and Investment Management, supplemented by specialized modules for Business Goals Planning, Business Owners, Retirement Planning, and Stock Compensation Planning clients. The firm serves individuals across Michigan and nationally through a structured six-step client onboarding process.

Differentiator

Problem solved

Functional benefit

Products and services

• Financial Planning Comprehensive financial planning services covering retirement income strategy, tax reduction planning, employee benefits optimization, asset allocation, insurance analysis, estate planning, cash flow management, and education savings for individuals and families.
• Investment Management Portfolio analysis and management services including overall financial position analysis, goal-based portfolio construction, risk assessment, stock options strategy, and tax consequence advisory, delivered on a fee-only fiduciary basis without conflicts of interest.
• Business Owners Advisory Service Specialized advisory services for business owners covering retirement planning, estate planning, and optimizing business and personal finances for those preparing for business exit or succession.
• Retirement Planning Service Retirement planning guidance for individuals at various stages, including confidence-building around retirement choices, risk minimization, and preparation for successful retirement outcomes.
• Stock Compensation Planning Service Advisory services for professionals with stock compensation, including portfolio organization, risk assessment for stock holdings, and tax consequence analysis for stock options and 401(k) plans.

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Four partnerships are on record, tiered minor and core.

• Kalamazoo Loaves & FishesminorOthersDan Haines became president of the board of Kalamazoo Loaves & Fishes at the end of 2023. This is a personal board position for Dan Haines, not a formal business partnership for the firm.
• Alongside, Inc.minorOthersDan Haines joined the board of Alongside, Inc., a leading counseling center for pastors, missionaries, and leaders located in Michigan.
• National Association of Personal Financial Advisors (NAPFA)coreOthersJeff Belmonte is registered as a NAPFA-Registered Financial Advisor, representing membership in the premier professional organization for fee-only financial advisors.
• Fee-Only NetworkcoreOthersJeff Belmonte is a member of the Fee-Only Network, representing fee-only financial advisors committed to a fiduciary standard.

Scale indicators3 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• Blankenhatche & Company, LLC: Independent fee-only fiduciary RIA based in Grand Rapids, MI serving individuals and business owners with comprehensive financial planning — directly comparable in size, geography, and service mix to SummitView.
• Center for Financial Planning: Fee-only financial planning firm in Michigan with a focus on retirement and business owner clients; comparable ownership structure (founder-led LLC) and similar fee-only fiduciary model.

Broad incumbents

• Buckingham Strategic Wealth: Large national fee-only RIA providing comprehensive planning, tax, and investment management to individuals and business owners — similar fiduciary, fee-only DNA but at far greater scale.
• Focus Financial Partners: National partnership and consolidator of independent, fee-only and fee-based RIAs; relevant as both a competitor and a potential rollup acquirer of small fiduciary firms like SummitView.
• Edelman Financial Engines: Largest independent RIA in the U.S. with broad financial planning and investment management offerings for individuals, including retirees and professionals with equity compensation — broad incumbent in the same end markets.
• Creative Planning: One of the largest independent fee-only RIAs in the U.S., offering comprehensive financial planning and investment management to HNW individuals and business owners — the scaled version of SummitView's model.

Others

• XY Planning Network: Membership network of fee-only financial advisors serving Gen X and Millennials — peer-of-peers community for independent CFP-led firms like SummitView, plus a referral source.
• Garrett Planning Network: Network of fee-only financial advisors serving clients on an hourly or retainer basis; a direct analog to SummitView's retainer-based planning fee structure for sub-$500K households.

Emerging players

• Facet Wealth: Flat-fee digital financial planning firm offering comprehensive advice to individuals nationwide, including retirees and professionals with stock comp — a fee-only competitor targeting similar segments with a tech-enabled delivery model.
• Carson Wealth: Fee-only RIA platform that supports independent advisors serving business owners and retirees with financial planning and investment management — directly comparable target client and service mix.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks5 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/summitviewadvisor
• LinkedInlinkedin.com/company/summitview-advisors

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about SummitView Advisors