# Wealth Personal

> Wealth Personal is a state-registered investment advisory firm in Elk Rapids, MI, registered since 2026, reporting under $25 million in regulatory assets under management in its Form ADV filing dated April 14, 2026.

- CRD: 144800
- Filed as: WEALTH PERSONAL
- Legal name: Financial Planning Consultants of Northern Michigan,inc.
- Registration: State-registered investment adviser (status as filed: APPROVED)
- Location: Elk Rapids, MI
- Filing period: October 2026
- Form ADV filing dated: April 14, 2026
- Public record (IAPD): https://adviserinfo.sec.gov/firm/summary/144800
- AdvisorCensus page: https://advisorcensus.com/firm/wealth-personal-elk-rapids-mi-144800

## Quick answers

**How is Wealth Personal compensated?**
On its Form ADV (Item 5.E, October 2026), Wealth Personal reports these compensation arrangements: a percentage of assets under its management; fixed fees (other than subscription fees). The amounts are in Item 5 of its Form ADV Part 2A brochure.

**Where is Wealth Personal located?**
Wealth Personal's principal office is in Elk Rapids, MI, according to its Form ADV.

**Is Wealth Personal registered with the SEC or a state?**
Wealth Personal is a state-registered investment advisory firm, registered since 2026. Status as filed: APPROVED. CRD 144800.

**How much does Wealth Personal manage?**
Wealth Personal reports $19,888,829 in regulatory assets under management in its Form ADV filing dated April 14, 2026 (98% discretionary).

**What types of clients does Wealth Personal serve?**
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (157); high net worth individuals (11).

**Does Wealth Personal report any disciplinary disclosures?**
Reports 3 disclosure items on Form ADV Item 11: yes answers to 11.H(1)(a) (court injunction in the past ten years), 11.H(1)(c) (regulator's civil action dismissed under a settlement), and 11.H(2) (pending civil proceeding). Each question covers the firm and its advisory affiliates, and one event can produce several yes answers. The detail of any item is on the firm's public record on IAPD: https://adviserinfo.sec.gov/firm/summary/144800

## From the Form ADV filing

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

### Regulatory assets under management (Item 5.F)
- Total: $19,888,829
- Discretionary: $19,575,829
- Non-discretionary: $313,000

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 157 | $10,927,094 |
| High net worth individuals | 11 | $8,961,735 |

### Advisory services (Item 5.G)
- Financial planning services
- Portfolio management for individuals and/or small businesses

### Firm details
- Registered since: 2026 (0 years)
- Employees: 3 total, 2 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: MI
- Disclosures (Item 11): Reports 3 disclosure items on Form ADV Item 11.

### Item 11 questions answered yes
- 11.H(1)(a): In the past ten years, has a domestic or foreign court issued an injunction against the firm or an advisory affiliate in connection with investment-related activity?
- 11.H(1)(c): Has a domestic or foreign court ever dismissed, under a settlement agreement, an investment-related civil action brought against the firm or an advisory affiliate by a state or foreign financial regulator?
- 11.H(2): Is the firm or an advisory affiliate now the subject of a civil proceeding that could result in a yes answer to any part of 11.H(1)?

Each question covers the firm and its advisory affiliates: its current employees other than clerical staff, its officers, partners, and directors, and anyone who controls the firm or is controlled by it. One event can produce yes answers to several questions. SEC-registered advisers and exempt reporting advisers may leave out events more than ten years old, and may answer 11.A(2) and 11.B(2) for pending charges only. The detail of each yes answer is on the firm's public record on IAPD: https://adviserinfo.sec.gov/firm/summary/144800

### Websites listed on Form ADV (Item 1.I)
- wealthpersonal.com
- Facebook @Financial-Planning-Consultants-Of-Northern-MiInc-571728089596718

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Wealth Personal (CRD 144800): Form ADV filing data as of October 2026.