Savino & Associates
Savino & Associates ยท Michigan

Retirement, Tax and Estate Planning, Handled Together

A family-owned Michigan firm for people approaching or in retirement, and for the business owners whose exit is part of the same plan. Your retirement income, tax return, estate documents and insurance, planned together by one person who knows the whole picture.

Schedule a Conversation What We Do
A couple in their sixties sitting together on a front porch in the morning, looking out at a tree-lined street
Why One Firm

Most people have an accountant, an insurance agent and an advisor. None of them talk to each other.

A Roth conversion changes your Medicare premium two years later. Selling the business changes when you should claim Social Security. Decisions like these move each other, so we make them together, and we put every one of them in writing.

What We Do

Everything Under One Plan

  1. 01

    Retirement Income Planning

    Turning what you have saved into income that lasts, with the withdrawal order, Social Security timing and healthcare costs worked out in advance.
  2. 02

    Estate Planning

    A review of every beneficiary designation, a map of where each asset goes, and the wills, trusts and powers of attorney handled here.
  3. 03

    Tax Preparation and Planning

    Returns filed accurately and on time, then read for what they say about the next ten years.
  4. 04

    Insurance and Protected Income

    Life, disability, long-term care and guaranteed income, reviewed against what you already hold.
  5. 05

    For Business Owners

    What you pay yourself, how the business is structured, the tax bill before it arrives, and the eventual handover.

Tax preparation and one-time projects are available on their own. See every service

An older man's hands holding a pen over a printed document at a kitchen table
How We Work

A Conversation First. Then a Written Plan.

  1. A Conversation

    Thirty minutes, with nothing to prepare. We learn what you are trying to decide and tell you plainly whether we can help.

  2. A Written Plan

    Every scenario modeled and every recommendation documented with its reasons, followed by a written summary you can read at home.

  3. Reviewed as Life Changes

    The plan is revisited when something in your life moves, not when a calendar reminder fires. You talk to the person who did the work, every time.

Small by Choice. Thorough by Design.

We keep the client list short on purpose, so every plan gets the attention it needs.

About the firm
65

Years of Combined Experience

Across retirement income, tax, insurance and risk. Very little arrives as a surprise.

One Person, Start to Finish

You work directly with your advisor. There is no account team, and nothing is handed down a chain.

Everything in Writing

Every plan is written down and every plan is reviewed. Nothing important lives only in someone's memory of a conversation.

The Joseph Method™

For Families Who See Money as a Responsibility

Some of our clients want their planning governed by a named framework. The Joseph Method™ is that framework: seven pillars covering income, protection, tax, investing, legacy and generosity, each assessed on its own and governed together. Faith-informed, and offered selectively.

About the Joseph Method™ Take the Storehouse Test
Begin Here

Start With a Conversation

Thirty minutes, nothing to prepare, and no obligation on either side. Tell us what you are trying to decide, and we will tell you plainly whether we are the right firm for it.

Schedule a Conversation