Cody Pfaff
CFP®, ChFC®, FIC, RICP®
Helping families and individuals navigate life’s financial transitions with clarity, confidence, and values‑based guidance.
State(s) Licensed: FL, IL, MI, NC
47 Westland Dr
Bad Axe, MI 48413
Helping families and individuals navigate life’s financial transitions with clarity, confidence, and values‑based guidance.
State(s) Licensed: FL, IL, MI, NC
Why Do We Exist?
We exist to help people navigate life’s financial transitions with clarity, confidence, and purpose.
Money decisions are rarely just about numbers—they’re about family, faith, responsibility, and the legacy you want to leave behind. Our role is to come alongside individuals and families as a trusted guide, helping them create financial strategies that reflect what matters most to them today while preparing for what lies ahead. Through thoughtful planning and ongoing guidance, we aim to bring structure to complexity and peace of mind to important financial decisions, so our clients feel supported in every season of life.
As a Retirement Income Certified Professional (RICP®), our practice focuses on helping clients transition from working to retirement and beyond.
Our focus on retirement income planning includes helping clients:
- Address some of the key risks retirees face in retirement
- Determine their optimal retirement age
- Evaluate and implement Social Security claiming strategies designed to maximize benefits
- Identify opportunities to improve tax efficiency throughout retirement
As a Chartered Financial Consultant in Complex Planning (CfCP℠), our practice is trained to help clients navigate complex financial decisions that often involve multiple moving parts.
This advanced planning focus allows us to help clients:
- Think through financial decisions that have long‑term and multi‑generational impact
- Understand trade‑offs when choices affect family, legacy, or charitable goals
- Identify potential risks and blind spots before they become costly mistakes
- Bring clarity and structure to situations that don’t have simple or obvious answers
If you’re tired of feeling like just another number, we’d welcome the opportunity to connect. Reach out by phone or email to schedule a conversation and see how personalized, values‑based guidance can make a difference.
Providing Customized Financial Planning in Bad Axe
Our approach brings structure and clarity to your full financial picture, helping you move forward with confidence. We work alongside you to understand your goals, priorities, and concerns, then develop a personalized plan designed to support your life today and the future you’re working toward.
Our areas of focus include:
- Financial Planning
- Retirement Income Planning
- Investment Management
- Insurance Protection Strategies
- Wealth Transfer and Estate Planning
Clients often come to us with important questions like, “Am I on track for retirement?” or “Do I have the right level of protection for my family?” While these questions can feel overwhelming, you don’t have to navigate them alone. We provide education, guidance, and thoughtful planning to help you feel more confident in the decisions you’re making.
Our office is conveniently located behind Thumb Office Supply in Bad Axe, and we serve clients throughout the entire Thumb area. For those who prefer, we also offer virtual appointments. Whether in person or online, we welcome the opportunity to connect and help you gain greater financial clarity.
How Do I Start?
Getting started is simple. It begins with a conversation.
Our first meeting is an opportunity to get to know you—your goals, your concerns, and what matters most to you. We’ll listen, ask thoughtful questions, and help you determine whether working together makes sense for your situation.
There’s no pressure and no obligation—just a chance to gain clarity and understand your options. From there, we can outline next steps and determine how we can best support you moving forward.
You’re welcome to meet with us in person at our Bad Axe office or connect virtually, whichever is more comfortable for you. When you’re ready, we’d be glad to start the conversation.
Our Office
We are conveniently located behind Thumb Office Supply (across from Maurer Electric) just south of M-53 on Westland Drive. We have parking available directly in front and to the north side of our office. Stop by and say hi!
Helpful Resources
- Here you can register for your Social Security myAccount which allows you to view your estimated income from Social Security. You can also use some of the calculators to help make you feel more confident in your Social Security income.
- Here you have access to various tools, calculators, and quizzes. Some of the calculators that people find valuable are the "Savings Calculator" and the "Retirement Calculator".
- Here you can find more information on the different types of insurances and considerations for different family situations. You can access utilize some of their calculators to estimate life insurance and disability insurance needs.
To learn more about the privacy of your information, visit our Notice at Collection for California Consumers or our privacy policy.
Location
Bad Axe Office
- Phone:
- 989-269-2208
Hours
Monday – Thursday: 8:30 a.m. – 4:30 p.m.
Friday: 8:30 a.m. - 12 Noon
(Also accepting appointments)
Address
47 Westland Dr
Bad Axe, MI 48413