Dahring | Cusmano and Associates

Dahring | Cusmano and Associates

Founded in 2000 and operating from Novi, Michigan, Dahring | Cusmano and Associates enters its third decade as a registered investment adviser focused on two lines of business that rarely sit under one roof: qualified retirement plan consulting for employers and comprehensive wealth management for the executives and business owners who sponsor those plans. The firm is rooted in the Detroit-Ann Arbor economic corridor, and its longevity tracks the regulatory and product evolution of the US retirement system — from early 401(k) adoption through the Pension Protection Act of 2006 and the subsequent rise of fee-based fiduciary advice. The practice is built on plan-level fiduciary services, commonly acting as an ERISA 3(21) or 3(38) investment manager to mid-market companies. This means the firm either recommends investment lineups and monitors them alongside the plan sponsor or takes full discretionary authority over fund selection. On the participant side, it delivers enrollment meetings, retirement-readiness assessments, and one-on-one advice — a model that converts plan participants into individual wealth-management relationships. The individual practice spans investment management, tax-aware retirement-income planning, and estate-coordination for high-net-worth households. The geographic book concentrates in Michigan and the broader Midwest, with plan clients typically ranging from small professional firms to regional manufacturers and service companies. Dahring | Cusmano operates as a boutique, with a team profile consistent with a lean practice built on long-tenure client relationships rather than aggressive national scaling. The firm maintains no disclosed satellite offices, and its advisor headcount and assets-under-advisement are not publicly reported. The absence of public filings suggests a sub-$1 billion regulatory threshold or a reliance on state-level registration rather than SEC oversight. The firm has not issued press commentary on M&A activity, product launches, or new service lines in recent public records. Its structural differentiator is the vertical integration of plan-consulting and private-client advisory under one roof — a coupling that gives the firm visibility into both the institutional plan and the personal balance sheets of the executives who sponsor it. This architecture creates a client-acquisition flywheel: a single plan relationship seeds multiple household engagements, and the retention cycle on the plan side reinforces the individual advisory pipeline. Succession risk is a natural question for a founder-led practice entering its third decade, though no public disclosures outline a named successor or ownership-transition plan.