Retirement Planning in Michigan

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Retirement Advice That Feels Right at Home in Michigan

Whether you’re five years from retirement in Ada, already drawing income in Traverse City, or split time between Grand Rapids and the Gulf Coast, your retirement deserves more than cookie-cutter advice. At Freedom Financial Planning Solutions, we help Michigan families make confident decisions—like when to file for Social Security, how to manage taxes, and how to turn savings into a steady retirement paycheck.

We Work With Retirees Across Michigan

Who We Serve
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Planning Ahead

You want to retire prepared—not guessing where you stand.

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Already Retired

You’ve stopped working, but the planning hasn’t stopped.

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Military Transitions

From service to civilian life, we help you plan ahead.

What We Help With

A Retirement Plan That Fits Your Michigan Life

Michigan retirees face their own set of questions—like how state income tax rules affect your pension, what Roth conversions could mean for your future, and whether your 401(k) withdrawals are taxable. We walk through all of it, clearly and without pressure.

Start with a Free Planning Call

We regularly help Michigan clients with:



  • Creating a retirement income strategy

  • Managing taxes and seasonal income shifts

  • Deciding when—and how—to take Social Security

  • Understanding Michigan’s retirement income tax laws

  • Coordinating retirement with your spouse

  • Planning for snowbird living and multi-state residency
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About Steve

Local Planner. Veteran. Straight Talker.

Steve Underriter is a solo financial advisor based in Grand Rapids who serves clients across Michigan—from Kentwood to Petoskey. A retired military officer and Certified Student Loan Professional™, Steve brings both structure and empathy to financial planning. He’ll be your go-to—every meeting, every decision, every time.

Ready to Start Planning?

Let’s Talk About What’s Next

We meet virtually with clients throughout Michigan and offer a no-cost, no-pressure consultation to help you take the first step toward retirement clarity.