Spyrnal Financial Group logo

Spyrnal Financial Group

Updated today

Client assets under management

$141,600,000

Clients

387

9% high-net-worth

Advisors

2

of 4 employees

Firm type

Supported

1-4 advisors or >$200M in AUM

Clients per advisor

194

Very High

Average account size

$365,891

About

Spyrnal Wealth Management provides investment management, financial planning, and advisory services primarily to individual and high-net-worth clients, and implements discretionary portfolios through model-based managed account programs and UMA platforms. The firm also refers clients to outside managers and may engage unaffiliated sub‑advisers for certain client accounts.

The firm constructs individualized investment plans using client objectives, risk tolerance, time horizon and liquidity needs, then implements those plans through tailored asset‑allocation targets and discretionary authority when agreed. Investment analysis incorporates fundamental, technical and cyclical methods, and the firm monitors third‑party managers, overlay strategists, and sub‑advisers as part of its supervisory process.

A distinguishing feature is the firm’s affiliation with insurance agencies: firm principals act as licensed insurance agents for affiliated entities and disclose devoting approximately 30% of their time to that business, and they may offer insurance products for which they receive commissions (which the firm states do not offset advisory fees). The firm also emphasizes use of overlay managers and sub‑advisers for implementation and notes it does not accept custody of client assets beyond fee withdrawals and that clients retain responsibility for proxy voting.

Client services

Financial planning Portfolio management Selection of other advisers

Expertise

Business ownership considerations Retirement income strategy College savings (529s, UTMA, etc.)

Want help finding the right advisor?

Answer a few questions to see advisors matched to you.

Fee options

Fixed

Financial planning flat fee between $750 and $3,000, negotiable

Percentage

$0 - $500,000: 1.00% $500,001 - $1,000,000: 0.80% $1,000,001 - $5,000,000: 0.50% $5,000,001+: 0.30%

Project-based

$250 per hour for financial planning, negotiable

Other

Account minimum: $100,000

Main office location

Spyrnal Financial Group

5524 Avenue A

Bokeelia FL 33922, United States

Number of offices

2

Most active in

Florida · Illinois · Michigan · Minnesota · New Hampshire · North Carolina · Pennsylvania · Texas · Wisconsin

Disclosures

Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.

Business activities & affiliations

Advisors at this firm

user avatar

Timothy S

Series 66

Lake Geneva, WI

Spyrnal Financial Group

Timothy Spyrnal is a financial advisor with Spyrnal Financial Group in Neenah, WI, holding a Series 66 designation and 17 years of industry experience. His work history includes roles at Spyrnal Wealth Management, Spyrnal & Associates, and Global Financial Private Capital. Outside of advisory services, he is an independent insurance agent involved with Spyrnal Insurance, LLC. Spyrnal Wealth Management serves individual and high-net-worth clients by providing investment management, comprehensive financial planning, and referrals to third-party money managers. The firm employs a client-specific investment approach combining discretionary management, model portfolios, and outside managers, while also integrating insurance services through affiliated agencies.

Business ownership considerations Retirement income strategy College savings (529s, UTMA, etc.)
user avatar

Chad M

CFP®, Series 66

Bokeelia, FL

Spyrnal Financial Group

Chad Michaels is a CFP® with 11 years of industry experience, currently serving as an advisor at Spyrnal Financial Group. He previously worked at Axa Advisors, LLC for five years before joining Spyrnal Wealth Management and Spyrnal & Associates, Inc. Michaels also acts as an insurance agent for Spyrnal & Associates, dedicating part of his time to insurance-related client services. Spyrnal Wealth Management serves individual and high-net-worth clients by providing investment management, comprehensive financial planning, and referrals to third-party money managers. The firm employs a client-specific investment approach using discretionary management, model portfolios, and outside managers, integrating fundamental, technical, and cyclical analysis in its security selection.

Business ownership considerations Retirement income strategy College savings (529s, UTMA, etc.)
Warmer team member

Not sure where to start?

We'll help you think it through — whether you ultimately need an advisor or not.

Warmer helps you compare advisors clearly — so you can choose with confidence.

Find your advisor
Discover

Compare top advisor firms by metric, firm size, and location.

Warmer provides personalized recommendations and introductions to independent fiduciary advisors. We do not supervise advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.

Each advisor listed on our site is an independent fiduciary responsible for their own advice. Warmer may receive fees from advisors for participation or referrals; these fees are paid by advisors and do not affect the fees clients pay for advisory services.

For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Please review an advisor's Form ADV and do your own diligence before entering into an advisory relationship.

By using our service, you agree to Warmer's Terms of Service and Advisory Agreement and Privacy Policy. Logos provided by Logo.dev

© 2026 Warmer Holdings Inc. ("Warmer")