Michael Niemczyk Associates, Inc.

Michael Niemczyk Associates operates primarily as a solicitor and advisor that refers clients to third‑party investment managers, notably Brookstone Capital Management (BCM), and provides investment advice, manager selection support, and financial planning services. The firm’s brochure states it offers comprehensive financial planning at no additional cost to clients who have assets managed through its arrangements and does not directly manage client assets on a discretionary basis.

The firm assists clients by analyzing financial circumstances, risk tolerance, and investment objectives to recommend asset allocation and third‑party manager strategies, and it conducts at least annual portfolio reviews and rebalancing recommendations. Investment analysis and recommendations draw on quantitative methods, optimization and computer models, and may include mutual funds, ETFs, individual equities and fixed income, and physical gold and silver, with the firm using third‑party platforms and vendors for reporting and separate account management.

What is notable for an investment manager is the firm’s non‑asset manager business mix and its ties to insurance and ancillary services: the firm’s principal is a licensed insurance agent and an affiliated entity provides insurance, wealth and tax planning, and the brochure discloses that advisory professionals may receive commissions for insurance product sales and the firm receives solicitor fees. The brochure also discloses referral and affiliation relationships (including a family‑owned tax service and dual registration with another adviser), which the firm notes can create potential conflicts of interest when recommending third‑party managers or insurance products.