Investments • Insurance • Planning
Helping People Navigate Their Financial Lives
Our Financial Planning Process
Traditionally, much of financial planning has been focused on rate of return, risk and reward analysis and ultimately, the creation of a suitable plan geared toward accomplishing a client’s goals. A holistic financial review certainly incorporates those important aspects of planning, but it also includes significant components that may have been left untouched.
Let’s start by planning “smart”.
Our process is about problem solving and driving toward the goal(s) you define that will make the process a success. That can mean a variety of things including: tax strategies, money management, asset protection, insurance planning and/or legal documentation. Typically the best solutions include combinations of legal, tax and financial techniques to deliver the best results.
Our firm consists of industry professionals who are experienced in all areas of financial
planning, including accounting. Our advisors are registered representatives, investment
advisor representatives and licensed insurance professionals. With over 30 years of
combined experience, our firm has the experience needed to help you navigate your
dreams, especially during challenging times.
The firm’s founder, David Lademan, is a graduate of Michigan State University and has
his MBA in finance. He brings a broad scope of business experience and a unique
perspective as a former executive with a Fortune 500 company.
As a former VP of a Risk Management firm, he authored insurance policies, founded
insurance programs, and was appointed as an underwriter with Lloyd’s of London.
David Lademan is the President of Capital Strategies. He received his degree from MSU in Chemical Engineering and MBA in Finance from Western New England College. David started with a Fortune 500 company as a Process Design Engineer in Polymers and ended his 15 year career in Commercial Development. He moved to the insurance and finance industry in 1988. Mr. Lademan initially worked to develop self-insured health insurance plans for businesses on Cape Cod. After returning to Michigan in 1992, he became a risk manager for a medical malpractice association and eventually a liability expert. He then developed an alternative to statutory workers compensation in Texas and created a lead-paint liability program for property owners in New York. He formed the Environmental Consultants Organization and authored an errors and omissions insurance policy for the association of engineers. He was Vice President of a property and casualty company and participated in developing other risk purchasing groups and negotiating reinsurance contracts. He was only one of five people in the US who had binding authority with Lloyds of London.
In 1999, after the sale of the insurance company, Mr. Lademan founded Capital Strategies to use his passion for investing to serve clients with tax and financial planning. For 15 years he has developed a client base of faculty and staff at MSU, business executives, automotive retirees, and entrepreneurs from offices in Lansing and Bloomfield Hills. He brings a unique depth of business experience, analytical skills, and a high capacity for problem solving to his efforts to maximize portfolio growth potential. David and his wife Debbie have two children, Jason lives in Chicago and Jenna in Key West. He and his wife enjoy travel, the beach and the arts. David is an avid golfer and was invited to play in the Allianz Championship Tour Senior Pro-Am in 2013.
Licensed in: Alabama, Connecticut, Florida, Illinois, Maryland ,Massachusetts, Michigan, New Hampshire & Virginia.
©2018 Capital Strategies
Capital Strategies offers securities through Kalos Capital, Inc. and investment advisory services through Kalos Management, Inc., both at 11525 Park Woods Circle, Alpharetta, Georgia 30005, (678) 356-1100. Capital Strategies is not an affiliate or subsidiary of Kalos Capital, Inc. or Kalos Management, Inc. Kalos Capital, Inc. does not provide tax or legal advice. The opinions and views expressed here are for informational purposes only. Please consult with your tax and/or legal advisor for such guidance.