Michael A. Dubis Financial Planning

Michael A. Dubis Financial Planning

Michael Dubis founded the firm in 2002 as a fee-only registered investment adviser, building the practice in Middleton, Wisconsin. The firm serves individuals and high-net-worth clients through integrated financial planning and discretionary investment management. Dubis operates under a fiduciary standard, meaning the firm is legally obligated to place client interests ahead of its own — a structural commitment that distinguishes RIAs from broker-dealers operating under the less stringent suitability standard. The firm's investment approach centers on long-term portfolio construction informed by each client's financial plan. Rather than chasing market timing or individual stock selection, the strategy emphasizes asset allocation, diversification, and cost discipline. The portfolio management process integrates with cash-flow planning, tax considerations, retirement projections, and estate coordination — a holistic delivery model typical of mature fee-only planning firms. The practice targets clients whose financial complexity warrants ongoing advisory relationships, not episodic transactional advice. As a solo-founded firm bearing the founder's name, the practice's scale and continuity are tied directly to Michael Dubis as the key professional. Independent RIAs of this structure often manage assets through a combination of individually managed accounts and third-party custodial platforms, though the specific platform or total client assets are not publicly disclosed. The firm's proximity to Madison, Wisconsin situates it within a regional market that includes university-affiliated professionals, business owners, and retirees — demographic segments that commonly seek fiduciary financial counsel. Structurally, the firm represents the classic solo- or small-team RIA model — a direct advisory relationship unmediated by corporate layers or product-distribution mandates. The succession and continuity plan is not publicly known, a common condition for founder-led practices where the principal's involvement defines the service proposition. As advisory industry consolidation accelerates, independent firms in this segment face decisions about internal succession, external sale, or platform affiliation — each path carrying different implications for client continuity and investment philosophy.