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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

Retirement Redefined Acres of Diamonds Investments Surprises

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

“Dirty Dozen” Tax Scams to Watch For

“Dirty Dozen” Tax Scams to Watch For

Every year the IRS releases its list of tax scams, spotlighting some ways that people try to separate you from your money.

Understanding Marginal Income Tax Brackets

Understanding Marginal Income Tax Brackets

An inside look at how marginal income tax brackets work.

Insurance Needs Assessment:When You're Married With Children

Insurance Needs Assessment:When You're Married With Children

When you’re married and have children, insurance needs will be different.


Protection Against Uninsured Drivers

You’re hit by an uninsured driver. Now what? Are you protected against financial losses?

A Bucket Plan to Go with Your Bucket List

Longer, healthier living can put greater stress on retirement assets; the bucket approach may be one answer.

Apps That Help Achieve Goals

If you find it hard to attain personal life goals, there’s an app for that!

A Look at Whole Life Insurance

Whole life insurance remains in force as long as you remain current with premiums. Here's how it works.

The Cost of Procrastination

Don't let procrastination keep you from pursuing your financial dreams and goals.

Estate Management Checklist

Is your estate in order? This short quiz may help you assess your overall strategy.

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Should I Buy or Lease an Auto?

This calculator compares the financial impact of leasing versus buying an automobile.

Historical Inflation

This calculator shows how inflation over the years has impacted purchasing power.

Doubling Your Money

This calculator demonstrates the power of compound interest.

What's My Potential Estate Tax?

This calculator helps estimate your federal estate tax liability.

What Is the Dividend Yield?

This calculator helps determine your pre-tax and after-tax dividend yield on a particular stock.

Paying Off a Credit Card

Enter various payment options and determine how long it may take to pay off a credit card.

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Tax Management Strategies

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

Retirement Plan Distributions

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

5 Smart Investing Strategies

There are some smart strategies that may help you pursue your investment objectives

Your Cash Flow Statement

A presentation about managing money: using it, saving it, and even getting credit.

Managing Your Lifestyle

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

5 Smart Investing Principles

Principles that can help create a portfolio designed to pursue investment goals.

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16 Wall Street Cliches in 60 Seconds

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

Bursting the Bubble

Tulips were the first, but they won’t be the last. What forms a “bubble” and what causes them to burst?

Jane Bond: Infiltrating the Market

Agent Jane Bond is on the case, cracking the code on bonds.

The Real Cost of a Vacation Home

What if instead of buying that vacation home, you invested the money?

Events on Wall Street

Can successful investors predict changes in the markets? Some can but others miss the market’s signals.

An Arm and a Leg

A visit to the hospital can be painful, for both your body and your wallet. Don’t let it be more painful than it has to be.

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