Broker Check

537 E Michigan Ave
Saline, MI 48176
(734) 429-1040

105 W Chicago Blvd
Tecumseh, MI 49286
(517) 423-6600

Dennis Michalak, EA
Christopher Michalak, EA, CFP

 
Acres of Diamonds Investments Surprises Extended Care: A Patchwork of Possibilities

Check out our "Tax Alpha" tab! This is a collection of one-minute videos containing useful tax information.

Useful Logins has the website links to access your HD Vest account, and the federal and Michigan "Where's My Refund?" sites.


Welcome to Capstone Tax & Financial, where you'll find a wealth of helpful information regarding taxes and making investment decisions.

I'm Dennis Michalak and I founded Capstone Tax & Financial. When our tax firm started, it quickly became clear that many of our tax clients were suffering from poor investment advice. I decided to pair tax services with investment services and became an Investment Advisor in 1987 through HD Vest Investment ServicesSM. In 2004 Gordon Doody joined the firm with a unique perspective from his years in the airline industry. My son, Christopher Michalak joined the business two years later. Anne and Jennifer have also been with us for over a decade. Today we continue to provide unique and customized solutions that are essential in our complicated world. And many of our clients have been with us since the beginning.

We hope your visit will help you understand the opportunities and potential rewards that are available when you take a proactive approach to your taxes and personal financial situation. We are here to help you gain a better understanding of the financial concepts behind insurance, investing, taxes, retirement, estate planning, and wealth preservation. Most importantly, we hope you see the value of working with skilled professionals to pursue your financial goals.

Be sure to add our site to your list of "favorites" in your internet browser. We frequently update our information, and we want you to be tuned in to the dynamic fields of taxes and investments.



Helpful Content

IRA Withdrawals that Escape the 10% Tax Penalty

IRA Withdrawals that Escape the 10% Tax Penalty

The list of IRA withdrawals that may be taken without incurring a 10% early penalty has grown.

Making Sense Of A Home Warranty

Making Sense Of A Home Warranty

Understanding the value of a home warranty.

16 Wall Street Cliches in 60 Seconds

16 Wall Street Cliches in 60 Seconds

Pundits say a lot of things about the markets. Let's see if you can keep up.

 

To Catch a Thief

Having your identity stolen may result in financial loss plus the cost of trying to restore your good name.

Please Leave Home Without It

Concerns over identity theft continue to grow, especially with data breaches at major companies and financial institutions.

Keeping Summer Safe: Pool and Spa Safety Tips

Each year hundreds of children die or are injured in pool accidents. By taking seven steps, you can keep your pool safe.

Debt Stress

There’s a link between debt and stress.

Catch-Up Contributions

Workers 50+ may make contributions to their qualified retirement plans above the limits imposed on younger workers.

Disability and Your Finances

In the event of an unforeseen accident or illness, disability insurance may be a good way to protect your income and savings.

View all articles arrow

Roth 401(k) vs. Traditional 401(k)

This calculator compares employee contributions to a Roth 401(k) and a traditional 401(k).

Annuity Comparison

This calculator compares a hypothetical fixed annuity with an account where the interest is taxed each year.

My Retirement Savings

Estimate how long your retirement savings may last using various monthly cash flow rates.

What Is My Current Cash Flow?

Assess whether you are running “in the black” or “in the red” each month.

Potential Income from an IRA

Estimate your monthly and annual income from various IRA types.

Self-Employed Retirement Plans

Estimate the maximum contribution amount for a Self-Employed 401(k), SIMPLE IRA, or SEP.

View all calculators arrow

Managing Your Lifestyle

Using smart management to get more of what you want and free up assets to invest.

Tax Management Strategies

Learn more about taxes, tax-favored investing, and tax strategies.

Keys to Investing for Retirement

There are some key concepts to understand when investing for retirement

Retirement Plan Distributions

There are a number of ways to withdraw money from a qualified retirement plan.

Principles of Preserving Wealth

How federal estate taxes work, plus estate management documents and tactics.

Long-Term-Care Protection Strategies

The chances of needing long-term care, its cost, and strategies for covering that cost.

View all presentations arrow

What Smart Investors Know

Smart investors take the time to separate emotion from fact.

Social Security: By the Numbers

Here are five facts about Social Security that might surprise you.

Coaches

Coaches have helped you your whole life, in ways big and small. We’d like to be one of them.

When Do You Need a Will?

When do you need a will? The answer is easy: Right Now.

The Other Sure Thing

Though we don’t like to think about it, all of us will make an exit sometime. Are you prepared?

The Good Ship IPO

The seas of the market are constantly shifting. Whether the good ship IPO can set sail may depend heavily on the tides.

View all videos arrow