Octo Capital - Fiduciary Financial Planner - Bingham Farms, MI - Bloomfield, MI - Fiduciary Financial Advisor

I'm Daniel Shub,

the founder of Octo Capital, an independent fiduciary practice that provides personalized financial planning and investment advice for those enjoying retirement or preparing for it.

I know that finances can seem complicated and overwhelming at times. There are many moving parts that require the proper attention to get you where you need to be. I am passionate about connecting those dots to strengthen your financial confidence and knowledge.

Get in touch

Why Work With Me?

I specialize in planning and investing for retirees and pre-retirees, enabling me to tailor my service and expertise to their unique needs.

I intentionally limit the number of families I work with to provide each client with high-level, personalized guidance.

My firm is small enough to know you personally and care about your success while providing the same resources and support available at the largest firms.

I emphasize tax planning, providing a thorough review of tax returns and future projections, focusing on tax-saving opportunities.

My investment approach is grounded in Nobel Prize-winning economic research. I am one of a select group of advisors authorized to invest my clients’ funds with Dimensional Fund Advisors (DFA).

I am an Accredited Investment Fiduciary® (AIF®). This assures that I always act in the best interests of my clients and have a fundamental understanding of the principles of fiduciary duty, the standards of conduct for acting as a fiduciary, and a process for carrying out my fiduciary responsibilities.

Work With Me to...

Explore your financial goals and the options to achieve them.
Analyze and determine when you can retire and how much income you can rely on.
Maximize your retirement income with dynamic withdrawal strategies.
Understand the options for filing for Social Security and collecting pensions.
Analyze your tax returns to identify tax-saving opportunities.
Review your insurance needs and estate planning strategies.
Properly allocate your investments to support your plans and aspirations.
Maximize your potential investment return.
Access Nobel-worthy ideas in finance – I am one of a select group of advisors authorized to invest my client’s funds with Dimensional Fund Advisors (DFA).

My approach begins with helping you clarify your goals and your definition of success.
From there, we determine where you are now, where you want to be, and what is necessary to accomplish your goals.

Why Fiduciary Advice Matters

According to the Wall Street Journal*(1), only 2% of financial planning firms are legally required to make optimal recommendations for their clients. My firm is among that 2% – by my choice and my values.

I'm an Accredited Investment Fiduciary®, and my firm is a Registered Investment Adviser.

I believe in the importance of my fiduciary duty and do not accept commissions, kickbacks, or third-party fees for recommending or selling investment products. This means you will get objective, unbiased advice every time.

Value of Advice

I have long believed that my clients have a better investing experience and achieve higher returns over the long run than those that manage their investments themselves, and newly-released independent studies have confirmed that this is true.*(2)

Vanguard, for example, recently published a report indicating that returns for individuals using investment advisors could be as much as 3% higher over a full market cycle.*(3)

Similarly, Morningstar reported that returns increased by 1.6% for those using an advisor and that, over time, working with an advisor could add as much as 22% of additional retirement income!*(4)

Another research study shows that the longer you receive financial advice, the more your assets grow.*(5)

Advisors play a crucial role in keeping you focused on reaching your goals with confidence. With an advisor, you are better prepared to make informed financial decisions, and you have a greater chance of saving more, minimizing your tax burden, and retiring comfortably.

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