Managing Your Business: Dollars & Sense
3 CE Credit Hours for Realtors
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Step Up to the Plate with Troy Chamber of Commerce
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Address : 5435 Corporate Dr., Ste. 230, Troy, MI 48098
Phone : (248) 879-4510
Fax : (248) 879-4560
Email: info@glebaandassociates.com
Registered Representative, Securities offered through Cambridge Investment Research, Inc., a Broker/Dealer, Member FINRA / SIPC. Investment Advisor Representative, Cambridge Investment Research Advisors, Inc., a Registered Investment Advisor. Cambridge and Gleba & Associates are not affiliated. This communication is strictly intended for individuals residing in the states of CA, CO, CT, DC, FL, GA, IL, IN, KY, MA, MI, MS, MO, NC, NY, OH, SC, TN, TX, VA. No offers may be made or accepted from any resident outside the specific states referenced.
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If the resemblance wasn’t obvious enough, Michelle is Jill’s daughter. She has worked with her mom at Gleba & Associates, on and off since the age of 12. Though she still responds to Jill Junior, her official title now is Managing Partner. Michelle graduated from the University of Tennessee with a Bachelor of Science in Business Administration & Marketing and worked in the investment real estate industry for eight years until 2019, when she decided to join Gleba & Associates for good. She has her Series, 66, 7, and insurance licenses, and uses her business and investment background to focus on the marketing and operations side of the company.
When she’s not working, you’ll often find Michelle in downtown Rochester and walking one of the trails with her husband, Nick, and her rescue dog, Barley, or cheering on her alma mater, the University of Tennessee Vols.
michelle@glebaandassociates.com
Invest Well. Manage Well. Live Well.
Jill Gleba founded Gleba and Associates, an independent financial management firm, more than 30 years ago. Her introduction to investing happened at 12 years old when she took the money she earned from her paper route and invested it in the market. Jill has two degrees; one from WSU, and the other from Oakland University. She is rated as one of the top Women Advisors at Cambridge Investment Research (her broker/dealer). Being an Accredited Investment Fiduciary (AIF), Jill specializes in business retirement plans and helping others become retirement ready. Her goal is to help people create the life they want for themselves, their families, and their employees. Gleba has consistently earned the Five Star Award through Hour Detroit Magazine and Detroit Monthly Magazine, rating her in the top 7% of all financial planners in the Metro Detroit area. Jill is a member of WBENC, member of Vistage Michigan and a board member of Furniture Bank.
Gary is a Financial Associate at Gleba & Associates, Inc., joining our team in June 2020. After graduating from Walsh College with a Bachelor’s Degree in Finance in 2013, he began his career at Raymond James Financial Services. He then moved to the world of banking, working as a banker with Chase Private Client and then as an Assistant Vice President, Financial Advisor with PNC Investments. Gary has expertise in all aspects of financial planning including investment management, higher education planning, life insurance, and long-term care insurance needs analysis. When he gets away from the office, he loves to spend time with his wife, Lauren, and two daughters, Hadley and Harper. He enjoys woodworking, boating, summer weekends at the family cottage, spending time outdoors and traveling.
Professional Women’s Networking Event – November 14th, 5-7pm
Calling all lady business owners and professionals! We are hosting an event just for you at Sweetwaters in Troy (Big Beaver & Crooks). Come join us for an evening of casual conversation over coffee and baked goods. Please RSVP by calling us at (248) 879-4510, or clicking on the RSVP button at the top of our homepage.
Conor is a Financial Associate at Gleba & Associates, Inc., where he started in 2018. Conor has prior experience in the financial planning industry, as well as in the insurance industry. His high level of understanding insurance and financial products helps him in assessing the needs of our clients. He holds a Bachelor of Science degree in Business Administration with a concentration in Finance from the University of Detroit Mercy. You can often find Conor playing soccer or walking with his two dogs Milo, and Ellie. He is also an avid follower of the Detroit Tigers, Detroit Red Wings and his alma mater, the University of Detroit Mercy Titans.
Lorie Heitzer is our Financial Associate at Gleba & Associates, Inc., where she has been a valuable employee for more than a decade! In her current role, Lorie assists with client reviews, implements client financial planning, and handles preparation of investment paperwork. During her time with Gleba & Associates, Lorie has earned her Series 6 (Investment Company Variable Contracts Representative), 63 (Uniform Securities Agent) and Life Insurance Licenses, allowing her to move into her current role where she assists clients in both of these areas. Lorie and her husband Bill, along with their daughters Lauren and Alexandria, and sons-in-law, Andrew & Joe, enjoy golf and make it a family event whenever possible. Her tenure at Gleba & Associates speaks volumes to her passion for the firm’s family atmosphere and her dedication to our clients and their financial and insurance needs.
Contact Lorie @ (248) 879-4510 x204 or lorie@glebaandassociates.com
Terri is the Service Manager at Gleba & Associates, Inc., Joining the team in April, 2015. In her role, she handles client service requests and underwriting. Terri’s previous experience in 401(k) Retirement Plans, Payroll and Human Resource Administration is invaluable, allowing Gleba & Associates to grow and run efficiently. This is knowledge that can also assist our small business clients as they grow their businesses. Terri enjoys spending time with family, which includes her husband, Gerry and her two children, Vincent and Genna. She loves the outdoors and camping with family in their RV. Terri looks forward to continuing the high level of customer service you have come to expect from Gleba & Associates!
Contact Terri @ (248) 879-4510 x201 or terri@glebaandassociates.com
Michael is the Marketing Manager at Gleba & Associates, Inc., where he began in August 2017. In his position, Michael creates and develops marketing strategies to enhance the image of Gleba & Associates, and helps maximize the Client-Advisor relationship. He is also in charge of company events, seminars, and educational workshops. Michael has a Bachelor of Applied Arts Degree in Integrative Public Relations from Central Michigan University. When he is not in the office, Michael can most likely be found playing billiards, playing poker, on the tennis court, or rooting on the Utica Unicorns baseball team. Michael stays active by going to the gym and going to the dog park with his Labrador-mix, Milton. His approachable attitude, along with experience in marketing, communications, and social media, makes him a valuable asset to the Gleba & Associates team.
Contact Michael @ (248) 879-4510 x200 or michael@glebaandassociates.com
Moiz is our Financial Associate at Gleba & Associates, Inc., where he began in 2013 after working for Bank of America and Thomson Reuters in various financial roles. In his position, Moiz assists in the research of financial solutions in order to meet client’s needs, conducts client reviews, provides insurance quotes, offers detailed financial plans, and delivers follow-up services to our clients. Before moving to the United States in 2004, Moiz grew up in rural India, where he was raised in a family of entrepreneurs. This allowed him to quickly learn the value of financial investment. Moiz holds a Bachelor of Commerce Degree in Accounting from Gujrat University and a B.B.A. in Management and an MBA from Walsh College of Accountancy and Business Administration, where he was elected as a member of Delta Mu Delta, the International Honor Society in Business Administration in recognition of high scholastic attainment. Moiz enjoys spending time with his wife, Tasneem, son, Taha, and family. He also loves playing tennis and rebuilding computers. His expertise in the areas of banking, mortgage and taxation helps to provide our clients with distinct portfolio advice as well as overall financial direction and growth.
Contact Moiz @ (248) 879-4510 x205 or moiz@glebaandassociates.com
Key Person Insurance is simply life insurance on the key person in a business. In a small business, this is usually the owner, the founders, or perhaps a key employee or two. These are the people who are crucial to a business–the ones whose absence would sink the company. You definitely need to consider Key Person Insurance on those people.
A Buy/Sell Agreement is a formal agreement/plan that is designed to protect the surviving owners from gaining an undesirable co-owner (such as a member of the deceased interest holder’s family).
A Buy/Sell Agreement, properly structured and adequately funded with Life and Disability Insurance can help provide a solid landing platform for your exit plan — and the people who depend on the future of your business.
Disability Insurance helps replace a major portion of your income when you are sick or injured and unable to work. You may think of it as your paycheck protection. Having disability insurance can provide you a sense of security, knowing that if the unexpected should happen, you will still receive a monthly income.
The right life insurance package can provide financial security for your family, your business, and your business partners. In general, there are two types of insurance, term or permanent insurance. Term Insurance is temporary, and the terms can be from 1 to 30 years. Permanent Insurance can be called Whole Life, Universal Life, Adjustable Life, and Variable Life, and generally lasts throughout your lifetime. Call us to discuss the differences and what is right for your situation.
Cash Management:
First we will understand your cash flow, create an emergency fund, prioritize your goals, and help you improve your overall situation.
Risk Management:
Before we make any investment decision, we will identify your risk and how much time you have to reach your goal. We will then create investment portfolios with the right managers to match these parameters.
We have extensive insurance experience to help you with your Disability, Life, and Long Term Care Insurance. We have an array of professionals to help you with your health, auto, home, and other insurance needs.
Tax Planning:
Our tax planning refers to your investments and how they are taxed.
We will compare a normal taxable investment and an investment where taxes are deferred until distributions are made. We will implement tax efficient strategies working with your Accountant/CPA to help you reduce taxes on current investment income, minimize your future estate taxes and help you to save more efficiently.
Debt Management:
We will assist you in reducing your debt and help you evaluate your available options.
We will create a retirement plan based on:
Based on the above, we will create a retirement plan that is comfortable for you.
We believe that educating a child is very valuable and often expensive for parents. We will help you with comprehensive education planning from birth to graduation.
The 529 Plan is designed specifically to save money for qualified tuition expenses. As long as the funds are used for this purpose, they aren’t subject to Federal Income Tax.
Other College Savings Options:
In addition to the 529 College Savings Plan, college savings alternatives include UGMA/UTMA Accounts, Government Savings Bonds, Coverdell Education Savings Accounts, and other taxable investments. Each of these savings strategies has its own distinctive features and benefits.
To learn more, you can attend our annual FAFSA workshop. We will show you how to fill out the FAFSA form, as well as ideas on how to save money for college, negotiate with your college of choice for aid/scholarships, and much more! Contact the office for more information.
529 Disclaimer: Investors should carefully consider investment objectives, risks, charges and expenses. This and other important information is contained in the fund prospectuses, summary prospectuses and 529 Product Program Description, which can be obtained from a financial professional and should be read carefully before investing. Depending on your state of residence, there may be an in-state plan that offers tax and other benefits which may include financial aid, scholarship funds, and protection from creditors. Before investing in any state’s 529 plan, investors should consult a tax advisor. If withdrawals from 529 plans are used for purposes other than qualified education, the earnings will be subject to a 10% federal tax penalty in addition to federal and, if applicable, state income tax.
With over 32 years of experience, we have met plenty of professional resources we can refer you to, including:
Long Term Care Insurance is more than just ordinary retirement planning. It removes the worry of having to earmark your nest egg for the uncertainty of needing care. Your Long Term Care Insurance benefits can be used to pay for Home Health Care, Assisted Living Facilities, Adult Day Care and Nursing Homes.
