Dexter 734.274.6744 | Grosse Pointe 313.486.9634 | Birmingham 248.795.1133 ext. 407 | Charlevoix 989.262.0100
Client Access Right Capital


Financial Planning For Real Life.

Pearl Planning Meet The Team

There’s no textbook or directory for your life and the same goes for your financial plan. It should be practical, approachable, and meet you where you are in life. Whether that’s on retirement’s doorstep or dreaming of stepping up to the doorstep of your first home, we’ll help you make confident financial decisions.

The Pearl Planning Family


Financial Planner & Relationship Manager

Certified Divorce Financial Analyst®

Client Services Representative

Office Manager

Client Service Representative

Why Pearl Planning?



Financial Planning For Real Life.

You don’t have to wait for a good hair day to start your financial plan. Tell us how your life really is and we’ll work with you to guide your next steps.


Fiduciary Advice Built For You

What is fiduciary? We provide recommendations that are in your best interest.


The Gift of Confidence

We affirm your successes and work with you on challenges. All this results in the compound returns of good financial choices.

As Seen In

How We Help You


Melissa Joy sitting with a client, teaching financial literary and plan

Financial Planning

Take a comprehensive look at your whole financial life. Prioritize your goals, organize your decisions and proactively plan on your next steps.

an older couple seeking retirement financial planning

Retirement Planning

What will retirement look like? How much can you spend and how can you best prepare?

Broken paper heart with two parents and child divorce financial planning

Divorce Planning

Managing through adversity is best tackled through triage. What will life look like after your divorce? How can your decisions help your future self?

Laptop showing stock and investment management

Investment Management

The key to successful investment decisions is process and execution. Manage your decisions within a straightforward framework for success over time.

ESG Environmental Social Governance - person writing on a contract with a pen

Environmental Social Governance

Align your personal values with your investment portfolio. Responsible investment portfolios can factor in key considerations such as climate change, data security, or company diversity.

From the Podcast


Upcoming Events

Maximizing Retirement Benefit Decisions as a University of Michigan Employee

From the Blog


Is Social Security a Good Investment?

By Toni Wander, CPA, CFP®️, CIMA®, CSRIC® | September 25, 2023 | Comments Off on Is Social Security a Good Investment?

Years ago, I had a client, Chris, who asked me whether Social Security was a good retirement investment vehicle, or if he should invest the cash instead.  Chris was self-employed and had structured his business as an S-Corporation.  He could either pay himself a large salary, and maximize the payments into Social Security, or pay …

Ready to Start the Conversation?


Pearl Planning - no grit no pearl - financial planner advisor in Ann Arbor Dexter Michigan

Pearl Planning Grosse Pointe
81 Kercheval Avenue, Suite 202
Grosse Pointe Farms, MI 48236
313.486.9634 I

Pearl Planning Dexter
8031 Main St. Suite 302
Dexter, MI 48130
734.274.6744 I

Pearl Planning Birmingham
600 S Adams Road, Suite 300
Birmingham, MI 48009
248.795.1133 ext. 407 I

Pearl Planning Charlevoix
201 State Street, Suite D
Charlevoix, MI 49720
989.262.0100 I

Investment advisory services offered through Pearl Planning, a DBA of Stephens Consulting LLC, an SEC registered investment advisor. Pearl Planning is not a registered broker/dealer. Pearl Planning investment advisor representatives may only conduct business with residents of the states and/or jurisdictions for which they are properly registered. Therefore, a response to a request for information may be delayed. Please note that not all the investments and services mentioned are available in every state. Investors outside of the United States are subject to securities and tax regulations within their applicable jurisdictions that are not addressed on this site. Contact our office for information and availability.

Links are being provided for information purposes only. Pearl Planning is not affiliated with and does not endorse, authorize, or sponsor any of the listed websites or their respective sponsors. Pearl Planning is not responsible for the content of any website or the collection or use of information regarding any website's users and/or members.

ADV 2A  |  ADV 2B  |  Client Relationship Summary  |  Privacy Notice

Please review Important Disclosure Information set forth in the last section of this website.