Summit Financial Consulting provides financial planning, portfolio management for individuals and small businesses, selecting other managers, and educational seminars.
Summit Financial Consulting reports 1,139 clients. They include 1,040 individual clients, 93 high-net-worth individuals, and 6 corporations and other businesses. Of its assets, 100.0% ($219M across 1,985 accounts) are managed with discretion. Of its clients, 1% are outside the U.S. It advised 22 clients without assets under management last fiscal year.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 91% | 66% |
| High-net-worth individuals | 8% | 34% |
| Corporations and other businesses | <1% | <1% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 1,040 | $145M | 66.1% | $139K |
| High-net-worth individuals | 93 | $73.7M | 33.7% | $793K |
| Corporations and other businesses | 6 | $445K | 0.2% | $74.1K |
| Total | 1,139 | $219M | 100% | $192K |
- Clients
- 1,040
- Regulatory AUM
- $145M
- AUM share
- 66.1%
- Avg. per client
- $139K
- Clients
- 93
- Regulatory AUM
- $73.7M
- AUM share
- 33.7%
- Avg. per client
- $793K
- Clients
- 6
- Regulatory AUM
- $445K
- AUM share
- 0.2%
- Avg. per client
- $74.1K
Total
- Clients
- 1,139
- Regulatory AUM
- $219M
- AUM share
- 100%
- Avg. per client
- $192K
- Clients outside the U.S.
- 1%
- Clients advised without assets under management last fiscal year
- 22
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 0
Summit Financial Consulting is paid through a percentage of assets under management, hourly charges, fixed fees (other than subscription fees) and other compensation. The reviewed brochures do not disclose an asset-based fee rate. Read the SEC-filed brochure. The brochure also prices one other service, listed under fee details.
Fee details and sources
Other fees
- Financial planning
- Financial planning is billed at $300 an hour, or at a fixed fee of up to $5,000.
Robert Wink owns 75% or more of Summit Financial Consulting. The leadership team of Summit Financial Consulting includes Chief Compliance Officer Kenneth Wink. It has 6 employees.
Leadership
Kenneth WinkChief Compliance Officer
Robert WinkCEO, CFO, COO and Clo
Investment adviser representatives
6 representatives listed in the SEC register as of 9 October 2026.
Staff
- 6 employees
- 6 in advisory functions
- 6 state-registered reps
- 5 broker-dealer reps
- 6 insurance agents
- Owns 75% or more of Summit Financial Consulting LLC
Robert Wink
Control person · since December 2007
Summit Financial Consulting’s regulatory assets grew 2.1× from $103M (May 2022) to $219M (September 2026); clients rose from 880 to 1,139 and employees from 5 to 6.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | Employees | Offices |
|---|---|---|---|---|
| September 2026 | $219M | 1,139 | 6 | 1 |
| June 2025 | $122M | 941 | 6 | 1 |
| July 2024 | $115M | 946 | 6 | 1 |
| March 2023 | $94.7M | 910 | 5 | 1 |
| May 2022 | $103M | 880 | 5 | 1 |
Besides its headquarters, Summit Financial Consulting has 0 offices, with 1 listed address in Michigan.
Michigan · 1 listed address
- 43409 Schoenherr Road, Sterling HeightsHQ
Contact and registration details
- Legal name
- Summit Financial Consulting LLC
- Headquarters
- 43409 Schoenherr Road, Sterling Heights, MI 48313
- Website
- summitfc.net
- Phone
- 586-226-2100
- @summit-financial-consulting
- SEC file
- 801-123641
- Structure
- Michigan LLC
- Fiscal year end
- December
Summit Financial Consulting uses Charles Schwab ($219M) as custodian for its separately managed accounts. Summit Financial Consulting does not have custody of client assets.
- Charles SchwabCharles Schwab & Co., Inc. · Westlake, TX · $219M100%
At year end, Summit Financial Consulting’s separately managed accounts were mostly in funds (79%) and stocks (10%). Its reported 13F holdings for the quarter ended 30 June 2026 total $147M across 49 positions; the largest are iShares TR (14.8%), iShares TR (14.8%) and Schwab Strategic TR (10.0%).
What the accounts hold
- Stocks10%
- Funds79%
- Bonds1%
- Cash4%
- Other6%
- Structured notes and mortgage backed securities6%
Reported 13F holdings
- $147M
- Reported 13F value
- 49
- Positions
- 76.3%
- In the 10 largest
- +5.5%
- Value vs. prior quarter
- iShares TR · Iboxx HI YD ETF14.8%
- iShares TR · Iboxx Inv CP ETF14.8%
- Schwab Strategic TR · US Lrg Cap ETF10.0%
- Vanguard Scottsdale Fds · Vng Rus2000idx5.6%
- iShares TR · MSCI Emg Mkt ETF5.5%
- iShares TR · U.S. Tech ETF5.4%
- iShares TR · US Telecom ETF5.2%
- iShares TR · U.S. Bas Mtl ETF5.2%
- iShares TR · U.S. Energy ETF5.0%
- Invesco Exch Traded FD TR II · Nasdaq 100 ETF4.7%
Together, the ten largest are 76.3% of reported value.
How many clients does Summit Financial Consulting have?
Summit Financial Consulting has 1,139 clients and manages $219 million for them, as of September 2026. They include 1,040 individual clients, 93 high-net-worth individuals, and 6 corporations and other businesses.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 28 September 2026
What services does Summit Financial Consulting offer?
Summit Financial Consulting provides financial planning, portfolio management for individuals and small businesses, selecting other managers, and educational seminars.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file
Which custodians does Summit Financial Consulting use?
Summit Financial Consulting’s separately managed account assets are held at Charles Schwab & Co., Inc. (Westlake, TX), with $219M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 28 September 2026
How many financial advisors does Summit Financial Consulting have?
Summit Financial Consulting has 6 investment adviser representatives registered with state securities authorities, out of 6 employees, and 6 perform investment advisory functions. 5 employees are registered representatives of a broker-dealer and 6 employees are licensed insurance agents.
Source: Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file
What does Summit Financial Consulting invest in?
At the end of its last fiscal year, Summit Financial Consulting’s separately managed accounts held 79% registered funds (mutual funds, ETFs, BDCs), 10% exchange-traded equities, 6% other, 4% cash and equivalents and 1% U.S. government and agency bonds. The 6% other category is described as: Structured Notes and Mortgage Backed Securities.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns Summit Financial Consulting?
Summit Financial Consulting’s direct owner is Robert Wink (75% or more).
Source: Form ADV Part 1A, Schedules A and B, filed 28 September 2026
How does Summit Financial Consulting get paid?
Summit Financial Consulting is paid through a percentage of assets under management, hourly charges, fixed fees and other compensation. Its Form ADV lists no commissions or performance-based fees among how it is paid.
Source: Form ADV Part 1A, Item 5.E, from the SEC's 2 October 2026 data file
How do I contact Summit Financial Consulting?
Summit Financial Consulting’s main office is at 43409 Schoenherr Road, Sterling Heights, MI 48313. Its phone number is 586-226-2100. Its website is summitfc.net.