# Michael Nemick

> Michael Nemick is a fee-only financial advisor at Thrive Retirement Specialists in Dearborn, Michigan, who holds the CFP, CFA and MBA credentials. Michael charges a flat fee or retainer (typically works with clients with $2,000,000 or more) and focuses on retirement planning, tax planning and flat-fee planning.

Page: https://find.wellspent.co/advisors/michael-nemick/
Built from public directory listings; last checked April 21, 2026.

## Facts

- **Firm:** Thrive Retirement Specialists
- **Based in:** Dearborn, Michigan
- **Fee model:** Flat fee or retainer
- **Fees (firm's website):** typically works with clients with $2,000,000 or more
- **Assets under management (firm):** $303.9M across 411 accounts
- **Credentials:** CFP, CFA, MBA, RICP
- **Specialties:** Retirement planning, Tax planning, Flat-fee planning
- **Works with:** Pre-retirees, Retirees
- **CRD:** 6004954 (https://adviserinfo.sec.gov/individual/summary/6004954)
- **SEC registration:** Investment adviser representative in CA, MI, TX
- **Exams passed:** Series 65 (2016)
- **Firm size:** 2 employees
- **Disclosures:** None reported
- **Website:** https://thriveretire.com

## Frequently asked questions

### Is Michael Nemick a fee-only financial advisor?

Yes. Michael Nemick is listed in the NAPFA directory (NAPFA admits only fee-only advisors) and the XY Planning Network directory (XYPN members are fee-only). SEC records as of October 27, 2026 show no broker registration and no commission compensation reported by Michael's firm.

### How does Michael charge for financial advice?

Michael charges a flat fee or retainer.

### How much does Michael charge?

According to Thrive Retirement Specialists's website, checked October 28, 2026: typically works with clients with $2,000,000 or more.

### Where is Michael Nemick based?

Michael Nemick is based in Dearborn, Michigan.

### What does Michael specialize in?

Michael's specialties include retirement planning, tax planning and flat-fee planning. Michael works with pre-retirees and retirees.

### What credentials does Michael Nemick hold?

Michael Nemick holds the CFP, CFA, MBA and RICP credentials.

### Is Michael Nemick registered with the SEC?

Yes. Michael Nemick is registered as an investment adviser representative in CA, MI and TX (CRD 6004954), per SEC Investment Adviser Public Disclosure data as of October 27, 2026.

### How much does Thrive Retirement Specialists manage?

Thrive Retirement Specialists reports $303.9M across 411 accounts in assets under management.

### How do I contact Michael Nemick?

Through Michael's website, thriveretire.com.

## Sources

- NAPFA directory listing (https://www.napfa.org/find-an-advisor/firm/46256): NAPFA admits only fee-only advisors
- XY Planning Network directory listing: XYPN members are fee-only
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 27, 2026
- The firm's website (https://www.thriveretire.com/): specialties, clients served, and fees, checked October 28, 2026

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Source: Wellspent, the public graph of fee-only advisors (https://find.wellspent.co). No paid placement.