4558 Mocasa Ct, Bay City, MI 48706, USA Mon–Fri · 9:00–6:00 ET
+1 989-684-5390 contact@visionaryfinanceplan.com
Our services

Six services.
One coordinated plan.

Borrow, grow, plan, and protect with one team that knows your whole picture. Every engagement starts with a free, no-pressure conversation.

Personal Loan Credit Loan Mortgage Loan Wealth & Investment Planning Tax Advisory Insurance Services
An advisor reviewing personal loan options with a client Lending
01 — Personal Loan

Money for the moments
that won’t wait.

A wedding, a medical bill, a home repair, or a fresh start. Personal loans give you a fixed lump sum with a fixed payment — so the surprise stays in the reason, not the repayment.

  • $2,000–$50,000 borrowing range
  • Fixed rates and fixed monthly payments
  • No hidden origination surprises
  • Decisions typically within 1 business day
Ask about a personal loan
Someone paying with a credit card while reviewing accounts online Credit
02 — Credit Loan

Room to breathe.
Credit that builds with you.

A flexible line of credit for the months that don’t behave, paired with hands-on coaching to strengthen the profile lenders see. Use what you need, pay for what you use.

  • Revolving credit lines up to $25,000
  • Credit report review and score coaching
  • Transparent APR, no annual fee
  • Payment history reported to the bureaus
Ask about a credit line
Homebuyers receiving the keys to their new house Home
03 — Mortgage Loan

The keys come after
the clarity.

Whether it’s a first home, a move-up, or a refinance, we compare conventional, FHA, VA, and jumbo options side by side — and explain exactly what each one costs you over time.

  • Purchase, refinance, and cash-out options
  • Pre-approval guidance before you shop
  • Rate-lock strategy explained in plain numbers
  • Local coordination with agents and title
Start a mortgage conversation
An investor reviewing a portfolio chart on a laptop Growth
04 — Wealth & Investment Planning

A portfolio built around
your actual life.

Retirement, education, a sabbatical, a business sale — goals come first, investments second. We build diversified portfolios matched to your timeline and your stomach for risk, then keep them honest.

  • Goal-based planning and projections
  • Diversified, low-cost portfolio design
  • Retirement income and withdrawal planning
  • Quarterly reviews and annual deep dives
Plan my investments
Tax forms, calculator, and planning notes on a desk Tax
05 — Tax Advisory

April is easier when
you plan in October.

Tax planning is a year-round sport. We help you time income, capture deductions, coordinate with your CPA, and understand what each financial decision really costs after tax.

  • Annual tax planning sessions
  • Small business and self-employment guidance
  • Estimated payment and withholding reviews
  • Coordination with your tax preparer
Review my tax strategy
An insurance advisor explaining coverage options to a couple Protection
06 — Insurance Services

Protect the plan
from the unexpected.

Insurance isn’t about paperwork; it’s about keeping a bad day from becoming a financial decade. We compare cover across multiple carriers and explain what each policy actually protects.

  • Term and permanent life insurance
  • Disability income protection
  • Homeowners, auto, and umbrella cover
  • Annual coverage reviews as life changes
Compare coverage options
Common questions

Before you ask.

Still curious? Call +1 989-684-5390 or send a note through our contact page.

Not at all. Many clients start with a single need — a mortgage or a tax question — and use only that service. The advantage of our setup is that if a second area becomes relevant, your advisor already knows the full picture.

Yes. The first 30-minute discovery call is complimentary and comes with no obligation. You’ll leave with an honest view of your options and any next steps — even if those next steps don’t involve us.

Fees depend on the service: lending engagements may involve lender-paid compensation disclosed on your loan estimate; planning relationships are quoted up front as a flat or annual fee. Whatever applies, you’ll see it in writing before you commit.

Yes. We’re based in Bay City and meet many clients in person, but we serve households nationwide by phone and video. Meetings are scheduled in your time zone.

Most discovery calls are scheduled within one to two business days. If you’re working against a deadline — a closing date, a tax filing — tell us when you reach out and we’ll prioritize accordingly.
Free 30-minute call

Not sure where to start?
Start with a conversation.

Tell us what’s on your mind. We’ll point you in the right direction — even if it isn’t toward us.

Book a consultation
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