About Us

As a fiduciary and fee-only advisor, we at William Mack & Associates, Inc. (WMA) place your interests before our own. As a result, you receive objective and independent advice. Founded in Michigan in 1992, we bring decades of experience to every relationship.

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Our Process

A strong planning process is the best way to create a more financially secure plan. It is crucial to create a financial plan that seeks to protect your needs now, and that plans for the future, in a tax efficient manner.

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Our Philosophy

We believe in thoughtful, personalized guidance rooted in integrity, independence, and long-term relationships—because your financial success deserves nothing less.

Our Services

 

Wealth Advocate

You’ve worked hard to build your wealth — but managing it wisely is about more than investments and account balances. It’s about aligning your money with your values, your goals, and your legacy.
 

Retirement Planning

Retirement planning shouldn’t start at retirement; it should start well before. We take a long-term view of your financial wellbeing to help create a life after work that is as well-planned as your life while working.
 

Investment Management

Investing isn’t just about chasing returns — it’s about creating a strategy that supports the life you want to live, both now and in the future.

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Founders

Meet Our Team

Ready for personalized financial guidance?

Let’s start a conversation about your goals and how we can help you plan with confidence—reach out today.

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FAQ

  • How long has William Mack & Associates, Inc. (WMA) been in business?

    WMA was founded in 1992. The founder, William Mack, has been in the financial services industry since 1982.

  • How is WMA compensated for their services?

    WMA is a fee-only company. As a fee-only firm, we are unencumbered with the potential conflicts of interest that are inherent in commission-based firms. Because of the way in which we are compensated, when it comes to investment advice, our method of compensation ensures that the client always comes first. We refer to our compensation as a “Retainer Services” fee because of the comprehensive nature of the services we offer.

    We do not receive any compensation from custodians such as Charles Schwab & Co. or Fidelity nor do we receive any compensation from any mutual fund companies. WMA does receive computer support from custodial firms related to tracking portfolios and handling transactions.

  • How are Retainer Services fees determined and drafted?

    The amount of the fee is based on the amount of assets we are managing. In a typical situation, our compensation is approximately 1% or less per year (see our ADV Part II for specific details). 

    For example, at the beginning of each quarter, we take the value of the portfolio and multiply it by 0.25%, which is the fee for the coming quarter. We then draft this amount directly from your investment account(s).  We include a fee draft notice, which details the calculations involved, along with a Portfolio Summary and our Market Commentary—all of which we provide to you after the end of each quarter. 

  • Are the Retainer Services fees tax-deductible?

    As of 2018, investment management fees are not tax-deductible. As always, it is best to consult your tax professional regarding this or any other tax-related issue since tax laws may change. 

  • What is a Fiduciary?

    A fiduciary is a professional who is legally and ethically bound to act in your best interests, placing your needs above their own. In financial advising, this means offering advice that is objective, transparent, and free from conflicts of interest.

    At William Mack & Associates, Inc., our advisors are CFP® professionals who adhere to the CFP Board’s Code of Ethics and Standards of Conduct. This includes the fiduciary duty to always act with honesty, integrity, competence, and diligence—ensuring that every recommendation we make is in service of your financial well-being.

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