William Mack & Associates provides financial planning, portfolio management for individuals and small businesses, selecting other managers, education planning, estate planning, insurance, and tax planning. Financial planning was provided to 1,000 clients last fiscal year.
William Mack & Associates reports 965 clients. They include 692 individual clients, 260 high-net-worth individuals, and 13 pension and profit-sharing plans. Of its assets, 99.8% ($1.03B across 949 accounts) are managed with discretion; $2.36M across 3 accounts are not.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 72% | 23% |
| High-net-worth individuals | 27% | 74% |
| Pension and profit-sharing plans | 1% | 3% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 692 | $237M | 22.9% | $343K |
| High-net-worth individuals | 260 | $770M | 74.4% | $2.96M |
| Pension and profit-sharing plans | 13 | $27.6M | 2.7% | $2.12M |
| Total | 965 | $1.03B | 100% | $1.07M |
- Clients
- 692
- Regulatory AUM
- $237M
- AUM share
- 22.9%
- Avg. per client
- $343K
- Clients
- 260
- Regulatory AUM
- $770M
- AUM share
- 74.4%
- Avg. per client
- $2.96M
- Clients
- 13
- Regulatory AUM
- $27.6M
- AUM share
- 2.7%
- Avg. per client
- $2.12M
Total
- Clients
- 965
- Regulatory AUM
- $1.03B
- AUM share
- 100%
- Avg. per client
- $1.07M
- Clients outside the U.S.
- 0%
- Clients advised without assets under management last fiscal year
- 0
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 1000
William Mack & Associates charges 0.60%–1.00% a year for its Retainer Fee. Each asset band is charged at its own rate. The fee is billed in advance and is negotiable. The brochure also prices one other service, listed under fee details.
| Asset band | Annual rate |
|---|---|
| $0–$1M | 1.00% |
| $1M–$1.5M | 0.80% |
| $1.5M and above | 0.60% |
Fee details and sources
Other fees
- Financial planning for non-retainer clients
- Billed hourly: $250 for a Certified Financial Planner, $200 for a Financial Planner, $125 for a Para-Planner and $60 for clerical time.
William Mack owns 75% or more of William Mack & Associates. The leadership team of William Mack & Associates includes President Theodore Bugenski and Chief Compliance Officer Charles Dickinson. It has 22 employees, 10 of them in advisory roles.
Staff
- 22 employees
- 10 in advisory functions
- 10 state-registered reps
- Owns 75% or more of William Mack & Associates Inc
William Mack
Control person · since April 1992
- Owns 10% to 25% of William Mack & Associates Inc
Theodore Bugenski
Control person · since December 1992
William Mack & Associates’ regulatory assets grew 1.6× from $665M (March 2021) to $1.03B (August 2026); clients rose from 771 to 965 and employees from 13 to 22.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | StaffEmployees | Offices |
|---|---|---|---|---|
| Aug 2026August 2026 | $1.03B | 965 | 22 | 27 |
| Jul 2025July 2025 | $820M | 970 | 22 | 27 |
| May 2024May 2024 | $755M | 847 | 14 | 26 |
| Mar 2023March 2023 | $649M | 847 | 14 | 20 |
| Mar 2022March 2022 | $727M | 829 | 13 | 20 |
| Mar 2021March 2021 | $665M | 771 | 13 | 6 |
Besides its headquarters, William Mack & Associates has 26 offices (20 private residences, listed without an address), with 7 listed addresses across 2 states.
Michigan · 6 listed addresses
- 1301 W. Long Lake RD., Suite 115, TroyHQ
- 1858 Westwood Drive, Troy
- 611 Burtman Drive, Troy
- 2628 Lakeshore Drive, Fenville
- 1301 W. Long Lake RD Suite 265, Troy
- 1831 Brookwood Ave, Royal Oak
Florida · 1 listed address
- 23600 Wisteria Pointe Drive #906, Estero
Contact and registration details
- Legal name
- William Mack & Associates Inc
- Headquarters
- 1301 W. Long Lake RD., Suite 115, Troy, MI 48098
- Website
- wmack.com
- Phone
- 248-643-4310
- SEC file
- 801-42259
- Structure
- Michigan corporation
- Fiscal year end
- December
William Mack & Associates’ named custodian for separately managed accounts is Charles Schwab ($1.03B). William Mack & Associates does not have custody of client assets.
- Charles SchwabCharles Schwab & Co., Inc. · Orlando, FL · $1.03B100%
At year end, William Mack & Associates’ separately managed accounts were mostly in funds (93%). Its reported 13F holdings for the quarter ended 30 June 2026 total $284M across 108 positions; the largest are Vanguard Scottsdale Fds (17.0%), Vanguard Tax-managed Fds (15.0%) and Vanguard Index Fds (14.1%).
What the accounts hold
- Stocks6%
- Funds93%
- Bonds1%
How many clients does William Mack & Associates have?
William Mack & Associates has 965 clients and manages $1.03 billion for them, as of August 2026. They include 692 individual clients, 260 high-net-worth individuals, and 13 pension and profit-sharing plans.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 25 August 2026
What services does William Mack & Associates offer?
William Mack & Associates provides financial planning, portfolio management for individuals and small businesses, selecting other managers, education planning, estate planning, insurance, and tax planning.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file; Part 2A brochure, Item 4
How much does William Mack & Associates charge?
William Mack & Associates charges 0.60%–1.00% a year for its Retainer Fee. Each asset band is charged at its own rate. The fee is billed in advance and is negotiable.
Which custodians does William Mack & Associates use?
William Mack & Associates’ separately managed account assets are held at Charles Schwab & Co., Inc. (Orlando, FL), with $1.03B. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 25 August 2026
How many financial advisors does William Mack & Associates have?
William Mack & Associates has 10 investment adviser representatives registered with state securities authorities, out of 22 employees, and 10 perform investment advisory functions. None are registered representatives of a broker-dealer or 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 William Mack & Associates invest in?
At the end of its last fiscal year, William Mack & Associates’ separately managed accounts held 93% registered funds (mutual funds, ETFs, BDCs), 6% exchange-traded equities and 1% U.S. government and agency bonds.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns William Mack & Associates?
William Mack & Associates’ direct owners are Theodore Bugenski (10% to 25%) and William Mack (75% or more).
Source: Form ADV Part 1A, Schedules A and B, filed 25 August 2026
How does William Mack & Associates get paid?
William Mack & Associates is paid through a percentage of assets under management and hourly charges. 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 William Mack & Associates?
William Mack & Associates’ main office is at 1301 W. Long Lake RD., Suite 115, Troy, MI 48098. Its phone number is 248-643-4310. Its website is wmack.com.