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Long-Term, Tax-Advantaged, Financial Planning

Long-Term, Tax-Advantaged, Financial Planning

Every member of the DGN team is committed to you, our client. 

While each individual and plan is different, one thing remains constant – we will always seek out that which is best for you.  Our relationship must be mutually beneficial and engaging.

Whether you are establishing a financial foundation, contemplating retirement, enjoying retirement, or weathering a storm, we are committed to considering all the options.

Our strategic partnership with Dennis, Gartland and Niergarth strengthens the ability to provide tax-advantaged financial planning for both individuals and businesses.

Financial Planning

  • Asset Management
  • Estate Planning
  • Education Planning
  • Debt Management
  • Life/Long-Term Care/Disability

Accounting Services

Employer Sponsored Retirement Plans

  • Qualified Plan Design and Compliance
  • 401(k) and Simple IRA Plans
  • Participant Financial Education

Retirement Planning

  • IRA / 401(k) Rollovers
  • Income Projection Analysis
  • Distribution Planning/Management
  • Tax Optimization
  • Fixed Income Strategies

Tax Planning

  • Investment Tax-Loss Harvesting 
  • Tax-deferred Investments 
  • Charitable Giving
  • Estate Planning
  • Wealth Transfer and Tax Reduction

Business Planning

  • Business Succession Planning
  • Buy-Sell Agreements
  • Employee Retention Plans
  • Investment Management
  • Key Person Insurance

* Neither asset allocation nor diversification assure or guarantee better performance and cannot eliminate the risk of investment losses.

For more information about our firm and the services we offer,

email Rick Garner at or call (231) 946-1722.

We welcome the opportunity to speak with you.

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