# Michelle Brow

> Michelle Brow is a fee-only financial advisor at Full Bloom Financial in Northville, Michigan, who holds the ChFC credential. Michelle charges a flat fee or retainer and an ongoing planning fee (ongoing planning from $5,000 a year) and focuses on flat-fee planning, small business owners and founders (pre-exit).

Page: https://find.wellspent.co/advisors/michelle-brow/
Built from SEC adviser records and the firm's website; last checked October 30, 2026.

## Facts

- **Firm:** Full Bloom Financial
- **Based in:** Northville, Michigan
- **Fee model:** Flat fee or retainer; Ongoing planning fee
- **Fees (firm's website):** ongoing planning from $5,000 a year
- **Works virtually:** Yes (firm's website)
- **Accepting new clients:** Yes (firm's website)
- **Assets under management (firm):** $1.9M across 16 accounts
- **Credentials:** ChFC
- **Specialties:** Flat-fee planning, Small business owners, Founders (pre-exit), Retirement planning, Sustainable & impact investing
- **Works with:** Founders, Divorced individuals
- **CRD:** 5919875 (https://adviserinfo.sec.gov/individual/summary/5919875)
- **SEC registration:** Investment adviser representative in MI
- **Exams passed:** Series 66 (2011)
- **Firm size:** 1 employee
- **Disclosures:** None reported
- **Website:** https://fullbloomfinancial.com/

## Frequently asked questions

### Is Michelle Brow a fee-only financial advisor?

Yes, according to SEC records as of October 29, 2026: Michelle holds no broker registration, and Full Bloom Financial reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency on its Form ADV.

### How does Michelle charge for financial advice?

Michelle charges a flat fee or retainer and an ongoing planning fee.

### How much does Michelle charge?

According to Full Bloom Financial's website, checked October 30, 2026: ongoing planning from $5,000 a year.

### Does Michelle work with clients virtually?

Yes. Full Bloom Financial says on its website that it works with clients remotely.

### Where is Michelle Brow based?

Michelle Brow is based in Northville, Michigan.

### What does Michelle specialize in?

Michelle's specialties include flat-fee planning, small business owners, founders (pre-exit), retirement planning and sustainable & impact investing. Michelle works with founders and divorced individuals.

### What credentials does Michelle Brow hold?

Michelle Brow holds the ChFC credential.

### Is Michelle Brow registered with the SEC?

Yes. Michelle Brow is registered as an investment adviser representative in MI (CRD 5919875), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does Full Bloom Financial manage?

Full Bloom Financial reports $1.9M across 16 accounts in assets under management.

### How do I contact Michelle Brow?

Through Michelle's website, fullbloomfinancial.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/5919875): the firm's Form ADV reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency, and the advisor holds no broker registration
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 29, 2026
- The firm's website (https://fullbloomfinancial.com/): specialties, clients served, and fees, checked October 30, 2026

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