# Summit Financial Working With People You Trust

> Summit Financial Working With People You Trust is an SEC-registered investment advisory firm in Sterling Heights, MI, registered since 2022, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated September 28, 2026.

- CRD: 126570
- Filed as: SUMMIT FINANCIAL WORKING WITH PEOPLE YOU TRUST
- Legal name: Summit Financial Consulting LLC
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Sterling Heights, MI
- Filing period: October 2026
- Form ADV filing dated: September 28, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/126570
- AdvisorCensus page: https://advisorcensus.com/firm/summit-financial-working-with-people-you-trust-sterling-heights-mi-126570

## Quick answers

**How is Summit Financial Working With People You Trust compensated?**
On its Form ADV (Item 5.E, October 2026), Summit Financial Working With People You Trust reports these compensation arrangements: a percentage of assets under its management; hourly charges; fixed fees (other than subscription fees); other.

**How much does Summit Financial Working With People You Trust charge?**
Its Form ADV Part 2A brochure dated April 14, 2026 states: Subscription: $25 a month (these services); Hourly rate: $300 an hour (Financial Planning Services); Flat fee: up to $5,000 (Financial Planning Services). Fees can differ by service and may be negotiable; the brochure is the complete statement.

**Where is Summit Financial Working With People You Trust located?**
Summit Financial Working With People You Trust's principal office is in Sterling Heights, MI, according to its Form ADV.

**Is Summit Financial Working With People You Trust registered with the SEC or a state?**
Summit Financial Working With People You Trust is an SEC-registered investment advisory firm, registered since 2022. Status as filed: Approved. CRD 126570.

**How much does Summit Financial Working With People You Trust manage?**
Summit Financial Working With People You Trust reports $218,950,198 in regulatory assets under management in its Form ADV filing dated September 28, 2026 (100% discretionary).

**How have Summit Financial Working With People You Trust's assets and staff changed since 2022?**
In the Form ADV data for Summit Financial Working With People You Trust: Regulatory assets under management: $103,444,627 in the October 2022 data and $218,950,198 in the October 2026 data, up 112%. Total employees: 5 in October 2022 and 6 in October 2026. Assets under management move with markets as well as with clients coming and going.

**What types of clients does Summit Financial Working With People You Trust serve?**
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (1,040); high net worth individuals (93); corporations or other businesses not listed above (6).

**Which custodians does Summit Financial Working With People You Trust use?**
Summit Financial Working With People You Trust's most recent Form ADV filing (Schedule D, Section 5.K(3)) lists Charles Schwab & Co., Inc. as a custodian holding 10% or more of its separately managed account assets.

**Does Summit Financial Working With People You Trust report any disciplinary disclosures?**
Reports no disclosure items on Form ADV Item 11. The detail of any item is on the firm's SEC record: https://adviserinfo.sec.gov/firm/summary/126570

**What changed in Summit Financial Working With People You Trust's recent Form ADV filings?**
In the October 2026 filing data: Regulatory assets under management went from $184,673,370 to $218,950,198 (+19%).

## From the Form ADV filing

### Compensation (Item 5.E)
- A percentage of assets under your management
- Hourly charges
- Fixed fees (other than subscription fees)
- Other

### Fees and minimums (Form ADV Part 2A brochure dated April 14, 2026)

- Subscription: $25 a month (these services)

> Fees for these services will be $25 per month (billed quarterly).

- Hourly rate: $300 an hour (Financial Planning Services)

> Financial Planning Services are offered based on an hourly fee of $300 per hour.

- Flat fee: up to $5,000 (Financial Planning Services)

> Financial Planning Services are offered based on a flat fee up to $5,000.

As stated in the firm's brochure. Fees can differ by service and may be negotiable.

### Custodians (Schedule D, Section 5.K(3))
- Charles Schwab & Co., Inc.

Custodians holding 10% or more of the firm's separately managed account assets, as filed on Form ADV (Schedule D, Section 5.K(3)). A custodian holds client assets; it does not endorse or supervise the firm. AdvisorCensus has no relationship with any custodian.

### Regulatory assets under management (Item 5.F)
- Total: $218,950,198
- Discretionary: $218,950,198
- Non-discretionary: $0

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 1,040 | $144,761,520 |
| High net worth individuals | 93 | $73,744,167 |
| Corporations or other businesses not listed above | 6 | $444,511 |

### Advisory services (Item 5.G)
- Financial planning services
- Portfolio management for individuals and/or small businesses
- Selection of other advisers (including private fund managers)
- Educational seminars/workshops

### Firm details
- Registered since: 2022 (4 years)
- Employees: 6 total, 6 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: CA, FL, MI, TX
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Websites listed on Form ADV (Item 1.I)
- jimwink.net
- kenwink.net
- misocialsecurity.com
- robertwink.net
- rsvpsummit.com
- rsvpsummit.net
- splashee.thefinancialhq.com/rsvpsummit.com
- summitfc.net
- summitgivesback.com
- taxmanagedinvestingmi.com
- workingwithpeopleyoutrust.com
- Facebook @SUMMITFINANCIALCONSULTING
- Facebook facebook.com
- Instagram @danyourfinancialman
- Instagram @james_summitfc
- Instagram @summitfinancialco
- LinkedIn @JAMESDWINK
- LinkedIn @ROBERTWINKJR
- LinkedIn @PUB
- LinkedIn @summit-financial-consulting
- LinkedIn @daniel-ladzinski
- LinkedIn @james-baldwin-2223b8180
- LinkedIn @zachary-bachner
- YouTube @SummitFinancialConsultingLLC

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2022 | $103,444,627 | 5 | May 18, 2022 |
| October 2023 | $99,998,545 | 5 | September 11, 2023 |
| October 2024 | $115,101,512 | 6 | July 29, 2024 |
| October 2025 | $122,131,914 | 6 | June 11, 2025 |
| October 2026 | $218,950,198 | 6 | September 28, 2026 |

Regulatory assets under management: $103,444,627 in the October 2022 data and $218,950,198 in the October 2026 data, up 112%.
Total employees: 5 in October 2022 and 6 in October 2026.

## Changes in the filing (last 12 months)

### October 2026
- Regulatory assets under management went from $184,673,370 to $218,950,198 (+19%).

### March 2026
- Regulatory assets under management went from $122,131,914 to $172,817,556 (+42%).

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Summit Financial Working With People You Trust (CRD 126570): Form ADV filing data as of October 2026.