Thoughtful investing, with an advisor you actually know.
For more than four decades, C&D Wealth Advisors has managed investments for retirees, business owners, and families around Ann Arbor and Brighton. You work directly with Scott Chisholm, and we're paid only by our clients.
A different kind of advisory relationship
Large firms are built to scale. We're built so you always know who's managing your money and why.
You talk to Scott
Not a call center and not a rotating team. The person who manages your portfolio is the person who picks up the phone and sits down with you.
Companies you can see
Your portfolio holds individual companies, not an off-the-shelf model. You can see exactly what you own and ask why.
Paid only by you
A clear percentage of the assets we manage. No commissions and no products to sell, so advice isn't tied to a sale.
Built from individual companies
The core of most portfolios is a set of large, established companies we research and hold for the long term. We add ETFs where a single company can't give broad enough coverage, such as international and small-company stocks.
Read our investment approach →People who'd rather have a trusted hand on the wheel
Nearing or in retirement
Enjoying the time you worked for. We help turn savings into income and make tax-aware investment choices along the way.
Business owners and professionals
You're busy running something else. We keep watch over your investments.
Families in transition
An inheritance, the loss of a spouse, or a big change that brings decisions you didn't expect.
Photos: Maël Balland, Caden Norcott, and Vitaly Gariev on Unsplash. People pictured are not C&D clients.
What working together looks like
No pressure and no cost to find out whether we're a fit.
A free first meeting
Bring your statements and your questions. We'll talk about what you want your money to do.
A clear proposal
If it's a fit, you get a written agreement that spells out the services and the fee before anything starts.
Ongoing care
Regular reviews with Scott and a plain-English letter every quarter.
A plain-English letter every quarter
Each quarter Scott writes to clients about what happened in the markets, what he's watching, and what it means for them. Selected letters will be posted here.
Scott ChisholmRead the letters →Straightforward and published
An annual percentage of assets managed, billed quarterly. The rate steps down as assets grow.
| First $250,000 | 1.50% |
| $250,001 – $500,000 | 1.25% |
| $500,001 – $1,000,000 | 1.00% |
| Above $1,000,000 | 0.90% → 0.50% |
$250,000 minimum. See the full schedule and examples.