facebook twitter instagram linkedin google youtube vimeo tumblr yelp rss email podcast phone blog search brokercheck brokercheck Play Pause
Nick J. Valenti headshot

Michael J. Karam

Financial Planner

248-663-4745
248-827-7378
mkaram@michiganfinancial.com

Nick J. Valenti headshot

Connor J. Kin

Financial Planner

248-663-4729
248-827-7378
ckin@michiganfinancial.com

View Our Intro Kit

Go Timberwolves! As proud alumni of Northwood University and financial planners with Michigan Financial Companies, we are dedicated to working with each of our clients to meet their individual needs. Together, our goal is to build a successful financial plan that addresses today’s needs, tomorrow’s goals, and helps transfer wealth to your next generation.

As we plan your financial life together, our services will include managing your investment portfolio, planning for education expenses, preparing for a successful retirement, and assessing the proper protection needs for you, your family, and your workplace. We work with alumni at all stages of life and would like to be part of your pack!

We manage many aspects of your financial needs including:

  • Navigating pre-retirement priorities while building towards future goals
  • Maximizing wealth accumulation while minimizing tax obligations
  • Maintaining lifestyle and independence throughout retirement years
  • Reducing or eliminating taxes to beneficiaries and heirs
  • Eliminating blind spots that may negatively impact a Financial Plan

Schedule Your Discovery Call!

Frequently Asked Questions

Who is Osaic Wealth, Inc.?

Osaic is our Broker-Dealer, essentially our parent company. They handle our online systems, compliance, and other regulatory services.


Who do I contact when I have a question, and what is the best method of contact?

No question is too big or small. Contact Mike and Connor directly over email or phone. We do our best to get back to our clients within 24-48 hours.


Where can I view my accounts?
  • eMoney – This is where your Financial Plan is kept and where you can view accounts that we manage, as well as your outside accounts linked in your client portal.
  • eQuipt – This is where you can view more in depth analysis and information on accounts we manage through NFS (National Financial Services). 

Please refer to your Client Website Access Guide for further assistance.


Where is my money being held?

The type of account you have dictates where your money is being held. Money in accounts that are directly managed by Mike and Connor are held at NFS (National Financial Services). For non-NFS accounts, money is held directly with the custodians/carriers we work with.


Where can I view my financial plan?

Your Financial Plan is viewable in your eMoney Client Portal. Please reference your Client Website Access Guide for more information.


There has been a significant change in my financial picture. What should I do?

Your Financial Plan is a living, breathing document, and will adapt as your life changes. Contact us to discuss what’s new with your situation!


I have someone interested in financial planning. How should I go about referring them to you?

f you have someone who would benefit from a conversation with us, please reach out to us directly. We are happy to discuss our process when contacting a referral.


What types of services do you offer?

We are comprehensive financial planners with expertise in many areas including investment portfolio management, life and long-term care insurance, education planning, estate planning, and tax analysis.


Are you a fiduciary?

We are held to a fiduciary standard with all our clients. We are bound to act in your best interests above anyone else and provide impartial, honest recommendations.


How will our advisor-client relationship work?

We meet with our clients regularly, but love hearing from them in between our scheduled meetings. Don’t forget that we are always available when questions come up!


Do you specialize in certain types of clients?

Our favorite clients to work with are those ready to listen, learn, and implement strategies which can make a positive impact to their financial picture.


What is your favorite dog breed?

Mike’s favorite dog breed is an American bulldog. He hopes to have one someday. Connor’s favorite dog breed is the goldendoodle. He grew up with one as a kid. Let us know if you got this far on the FAQ sheet and what your favorite dog breed is!


Do you work with other professionals?

We have a network of contacts we are happy to refer you to including CPA’s, Estate Planning Attorneys, Real Estate Agents and other professionals.


Is my information secure?

Your information is secure. Whether it is electronic signatures to open an account, your information in eMoney, or any correspondence via email, we use high-level encryption and take our clients’ privacy very seriously.


Do you prefer Zoom or in-person meetings?

While Zoom is very convenient for us and for our clients, we do enjoy in-person meetings too. At the end of the day, we are flexible and happy to meet in either fashion.

Check the background of this firm/advisor on FINRA’s BrokerCheck.