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# Redwood Wealth: Redwood Wealth Management is a financial advisory firm in Auburn Hills, Michigan, providing personalized wealth management and financial planning services to individuals, families, and business owners throughout Metro Detroit. The firm specializes in retirement planning, investment management, estate planning, and long‑term wealth strategies designed to help clients protect and grow their assets. With a client‑first approach focused on transparency, trust, and customized solutions, Redwood Wealth Management helps clients navigate complex financial decisions with confidence and clarity.

## Sitemaps
[XML Sitemap](https://redwood-wealth.com/sitemap_index.xml): Includes all crawlable and indexable pages.

## Posts
- [Retirement Downsizing in Michigan: Costs & Tax Traps to Know](https://redwood-wealth.com/retirement-downsizing-in-michigan/): We'll just downsize" sounds simple — until Michigan's property tax uncapping rule and today's mortgage rates get involved. Andrew shares a real client example where downsizing would have raised their monthly housing costs by nearly 40%, and what to check before you list your house.
- [When to Take Social Security in Michigan: A Timing Guide](https://redwood-wealth.com/when-to-take-social-security-in-michigan/): Claiming Social Security at the "right" age isn't the same for everyone — it depends on your health, your spouse's timing, and your tax picture. Andrew shares the actual strategy he and his wife are using in their own retirement plan, and why the standard break-even math doesn't tell the whole story.
- [Michigan Mid-Year Financial Checklist: 7 Things to Review Before December](https://redwood-wealth.com/mid-year-financial-checklist-michigan/): It's July — six months left to make smart financial moves before year-end. Here's the 7-item mid-year financial planning checklist Andrew reviews with Michigan clients every summer, including a real client story that might surprise you.
- [Is Pension Income Taxable in Michigan in 2026? Here’s What Changed](https://redwood-wealth.com/is-pension-income-taxable-in-michigan/): Michigan fully phased out pension income tax in 2026. Here's what the new exemption limits mean for your retirement income plan — and the one IRA rule that still catches early retirees off guard.
- [Retirement Planning for Michigan Automotive Professionals: What You Need to Know](https://redwood-wealth.com/retirement-planning-michigan-automotive-professionals/): A significant number of our clients at Redwood Wealth work in Michigan’s automotive industry — engineers, executives, managers, and skilled professionals at companies like Stellantis, Ford, GM, BorgWarner, and the supplier network that runs throughout Oakland County. And almost every one of them comes to us with the same challenge:“I’m not sure if I’m on track, and I don’t know what I don’t know.”That’s a reasonable place to be. Retirement planning for Michigan automotive professionals is genuinely more complex than for many other industries. There are pension decisions that can’t be undone, deferred compensation timing that has real tax consequences, healthcare gaps to plan around, and a retirement age that often comes earlier than 65. Getting these pieces right — in the right order — matters a great deal.Here’s what I see most often, and what to think about before you retire.
- [5 Questions to Ask a Financial Advisor in Michigan Before You Hire Them](https://redwood-wealth.com/questions-to-ask-financial-advisor-in-michigan/): Before you hire a financial advisor in Michigan, you need to ask the right questions. Here are the five that cut through the noise — and what the answers should sound like.
- [The Tax Freight Train Most Retirees Never See Coming (And How to Stop It)](https://redwood-wealth.com/roth-conversion-strategy-rmd-tax-planning-michigan/): Most diligent savers don't realize their 401(k) is quietly building a tax problem. Here's how a Roth Conversion strategy saved one Michigan couple $650K+.
- [How a Career Change Can Completely Shift Your Financial Plan](https://redwood-wealth.com/when-a-financial-plan-needs-to-be-updated/): When a financial plan needs to be updated, even small life changes can have a big impact. This real client story shows how a career change affected long-term planning—and the smart adjustments that helped keep financial goals on track.
- [What Is an Independent Fiduciary Financial Advisor (and Why It Matters in Michigan)](https://redwood-wealth.com/what-is-an-independent-fiduciary-financial-advisor-michigan/): If you've been searching for an independent fiduciary financial advisor in Michigan, you've probably come across the word fiduciary more than once. Every advisor seems to mention it. Some put it front and center. Others tuck it into the fine print.
- [The Best Retirement Income Planning Firms in Michigan — And What Sets Them Apart](https://redwood-wealth.com/best-retirement-income-planning-firms-michigan/): If you’ve been searching for help with retirement income planning in Michigan, you’ve probably noticed the landscape is crowded. National wirehouses, regional banks, insurance-focused advisors, and independent firms all claim to specialize in retirement.But here’s what most of them won’t say upfront: not all retirement income planning is the same. And in Michigan specifically, the difference between a generalist advisor and a genuinely tax-smart retirement planner can be worth tens of thousands of dollars over the course of your retirement.Here’s what to look for.
- [How to Find the Best Financial Advisor in Auburn Hills, MI](https://redwood-wealth.com/best-financial-advisor-in-auburn-hills/): The truth is, the best financial advisor in Auburn Hills isn’t necessarily the biggest or the most well-known. It’s the one who’s the right fit for your specific financial life — your goals, your family, your timeline. Here’s what to look for. 
- [Do I Need a Financial Advisor? Signs You’re Ready for One](https://redwood-wealth.com/do-i-need-a-financial-advisor/): Making smart financial decisions can feel overwhelming — especially when you're balancing a career, family, homeownership, and long‑term goals like retirement or college planning. Many people wonder “Do I really need a financial advisor?” 
- [How to Reduce Your Tax Burden: Essential Michigan Tax Planning Strategies](https://redwood-wealth.com/how-to-reduce-your-tax-burden-essentialmichigan-tax-planning-strategies/): Effective Michigan tax planning is essential for achieving financial success.

## Pages
- [Financial Advisor in Beverly Hills, MI](https://redwood-wealth.com/financial-advisor-in-beverly-hills-mi/): Serving Beverly Hills and Oakland County with independent, fiduciary financial planning and wealth management.
- [Financial Advisor in Lake Orion, MI](https://redwood-wealth.com/financial-advisor-in-lake-orion/): Serving Lake Orion and Oakland County with independent, fiduciary financial planning and wealth management.
- [Financial Advisor in Clarkston, MI](https://redwood-wealth.com/financial-advisor-in-clarkston/): Looking for a financial advisor in Clarkston, MI? Redwood Wealth Management is a fiduciary advisor helping Clarkston retirees and families with retirement income, downsizing, and legacy planning.
- [Financial Advisor in Troy, MI](https://redwood-wealth.com/financial-advisor-in-troy/): Serving Bloomfield Hills and Oakland County with independent, fiduciary financial planning and wealth management.
- [Financial Advisor in Bloomfield Hills, MI](https://redwood-wealth.com/financial-advisor-in-bloomfield-hills/): Serving Bloomfield Hills and Oakland County with independent, fiduciary financial planning and wealth management.
- [Financial Advisor in Birmingham, MI](https://redwood-wealth.com/our-services/financial-advising/financial-advisor-in-birmingham/): Serving Birmingham and Oakland County with independent, fiduciary financial planning built around your life.
- [Financial Advisor in Royal Oak, MI](https://redwood-wealth.com/our-services/financial-advising/financial-advisor-in-royal-oak/): Looking for a financial advisor in Royal Oak, MI? Redwood Wealth Management is a fiduciary advisor serving Royal Oak and Oakland County with retirement planning, investments, and comprehensive financial planning.
- [Financial Advisor in Rochester Hills, MI](https://redwood-wealth.com/our-services/financial-advising/financial-advisor-in-rochester-hills-mi/): Serving Oakland County families with fiduciary financial planning since day one.
- [Financial Advisor in Auburn Hills, MI](https://redwood-wealth.com/our-services/financial-advising/financial-advisor-auburn-hills/): Serving Oakland County families with fiduciary financial planning since day one.
- [Independent Fiduciary Financial Advisors in Michigan](https://redwood-wealth.com/independent-fiduciary-financial-advisor-mi/): Independent. Transparent. Fiduciary. Always.
- [Wealth Articles](https://redwood-wealth.com/wealth-articles/): Practical financial planning guidance for Michigan families, professionals, and pre-retirees — written by Andrew Charbonneau, CFP, at Redwood Wealth Management in Auburn Hills. No jargon, no product pitches. Just honest insight from a fee-only fiduciary.
- [Insights](https://redwood-wealth.com/insights/)
- [News & Updates](https://redwood-wealth.com/news-updates/)
- [Contact Us](https://redwood-wealth.com/contact-us/): Get in touch with Redwood Wealth Management to start building a financial plan tailored to your goals. We're here to guide you every step of the way.
- [Professionals & Executives](https://redwood-wealth.com/who-we-serve/professionals-executives/): Elevating Your Wealth, Simplifying Your Strategy
- [Pre-Retirees & Retirees](https://redwood-wealth.com/who-we-serve/pre-retirees-retirees/): Plan Today, Relax Tomorrow
- [Business Owners & Entrepreneurs](https://redwood-wealth.com/who-we-serve/business-owners-entrepreneurs/): Helping You Build, Protect, and Grow Your Business
- [Individuals & Families](https://redwood-wealth.com/who-we-serve/individuals-families/): Your Partner for Every Stage of Life
- [Retirement Results](https://redwood-wealth.com/retirement-calculator/retirement-results/): Error: Missing or invalid data. Please try again.
- [Retirement Calculator](https://redwood-wealth.com/retirement-calculator/)
- [Who We Serve](https://redwood-wealth.com/who-we-serve/): Tailored financial solutions for every stage of life and every unique journey.
- [About](https://redwood-wealth.com/about/): Guiding your financial journey with personalized strategies and unwavering commitment.
- [Estate Planning](https://redwood-wealth.com/our-services/estate-planning/): Protecting Your Legacy, Securing Your Future
- [Risk Management](https://redwood-wealth.com/our-services/risk-management/): Protect your wealth and secure your future with strategies designed to navigate life’s uncertainties.
- [Tax Planning](https://redwood-wealth.com/our-services/tax-planning/): Maximize Your Wealth by Minimizing Your Tax Burden
- [Investment Management](https://redwood-wealth.com/our-services/investment-management/): Strategic Portfolio Management for Your Financial Future
- [Retirement Planning](https://redwood-wealth.com/our-services/retirement-planning/): Secure Your Future and Live the Retirement of Your Dreams
- [Financial Advising](https://redwood-wealth.com/our-services/financial-advising/): Customized Strategies for Your Unique Financial Journey
- [Our Services](https://redwood-wealth.com/our-services/): Explore our comprehensive services designed to help you build, protect, and grow your wealth at every stage of life.
- [Home](https://redwood-wealth.com/): Founded by Andrew Charbonneau, CFP®, Redwood Wealth is an independent fiduciary advisory firm based in Auburn Hills, Michigan - built on the belief that every Michigan family deserves honest, unbiased financial guidance. We simplify the complex - bringing together financial planning, tax strategy, investment management, insurance, and estate planning under one roof - so you never have to wonder if the pieces of your financial life are working together.
- [Privacy Policy](https://redwood-wealth.com/privacy-policy/): Your privacy matters—learn how we protect and use your information.

## Templates
- [Services for Individual and Families](https://redwood-wealth.com/fl-builder-template/services-for-individual-and-families-2/)
- [Services – Grid](https://redwood-wealth.com/fl-builder-template/services-grid/)
- [individuals](https://redwood-wealth.com/fl-builder-template/individuals/)
- [case study](https://redwood-wealth.com/fl-builder-template/case-study/)
- [boxes](https://redwood-wealth.com/fl-builder-template/boxes/)
- [questions](https://redwood-wealth.com/fl-builder-template/questions/)
- [FAQ](https://redwood-wealth.com/fl-builder-template/faq/)
- [Retirement Calculator FAQ](https://redwood-wealth.com/fl-builder-template/retirement-calculator-faq/): A common approach is to plan for withdrawing around 4% of your retirement savings each year. However, your withdrawal rate should be based on your personal goals, lifestyle, and other sources of income. It's important to tailor your plan to your specific needs.
- [Service Page – Template](https://redwood-wealth.com/fl-builder-template/service-page-template/)
- [Page Header](https://redwood-wealth.com/fl-builder-template/page-header/)
- [mission-block](https://redwood-wealth.com/fl-builder-template/mission-block/)