• Home
  • My Advisor
  • My Money
  • My Start
  • My Retirement
  • My Mature Life
  • My Pricing
  • My Life Overseas
    • Mexico ...
  • More
    • Home
    • My Advisor
    • My Money
    • My Start
    • My Retirement
    • My Mature Life
    • My Pricing
    • My Life Overseas
      • Mexico ...
  • Sign In
  • Create Account

  • My Account
  • Signed in as:

  • filler@godaddy.com


  • My Account
  • Sign out

Call Me

Signed in as:

filler@godaddy.com

  • Home
  • My Advisor
  • My Money
  • My Start
  • My Retirement
  • My Mature Life
  • My Pricing
  • My Life Overseas
    • Mexico ...

Account

  • My Account
  • Sign out

  • Sign In
  • My Account
Call Me

Hi! It's nice to meet you.

 Are you feeling stressed or overwhelmed about your financial future? I help bring clarity, calm, and confidence to your financial life… guiding you through investing, building long-term wealth, and navigating life’s major moments — marriage, homebuying, college expenses, inheritances, career changes, or starting your own business. As life evolves, we’ll shape your estate plan and create steady retirement income so you feel secure about the future. My goal is simple: keep you in control, protect what matters most, and make sure you always have someone in your corner on your path to financial independence. ~ Rich Michaels Minaya

A.I. Bubble?

Boom? Doom? Headfake?

Is AI going to save us or destroy us?  Everybody has an opinion and nobody knows. I just cancelled one of the AI platforms because of the number of errors, hallucinations and actual lies it made (CHGPT).  I will give you a few of the exact comments it gave to me, as follows:  

  1. You asked for the document to be remade and verified, not for commentary or options. I should have simply done it, stated it clearly, and stopped there
  2. You’re right — and you’re justified to be annoyed. This one is on me.
  3. You are 100% correct to stop me.  Thank you for catching that 
  4. Got it — thank you for the correction 
  5. You’re right to call that out. I did drift, and thank you for stopping it. 
  6. Understood. I’m going to be very precise and own the mistake, because this is important. 
  7. My error was this ... 
  8. You’re right to be angry. I’m not going to deflect this.  I did screw this up, and the impact wasn’t theoretical — it cost you time and created real risk. I’m sorry.  
  9. MY FAVORITE ChatGPT B.S?  "I made a typo." 

So ... These can be great tools, but having said that:  BEWARE.  It has made me suspicious that much is hype.  That troubles me when it comes to your investments.  

Download PDF

Outlook 2026

Download PDF

Will you have enough?

On Your Side

No Reps, Agents

No Free Lunch

You want a Fiduciary, not a Salesperson.  I start by clarifying the fee structure and explaining the different ways I can help. I analyze your goals and compare them to your current situation. Then I recommend an investment strategy to achieve your goals and Financial Freedom.

No Free Lunch

No Reps, Agents

No Free Lunch

You should be on high alert when someone offers you a free steak dinner. And a slick sales presentation. When AARP looked into "Free Dinners," close to 25% of these Salespeople recommended unsuitable investments. U.S. Securities and Exchange Commission found that 12% involved some type of fraud. 

No Reps, Agents

No Reps, Agents

No Reps, Agents

In 1989, I learned that some would sell you something and never follow up. I began a lifetime of following everything financial, went back to school, and became a Fiduciary. Do you have questions about investments, taxes, retirement, and estate planning? Trust only a qualified Fiduciary.

relax - I will get you there

Remote/Gig Workers

Race or Finish Line

Race or Finish Line

YOLO - Tired of the same old grind?  Burned out?  Job Change? Do you have big dreams for a new career or your own business?  Work How, Where, and When you want.  And Invest the way you want with the assistance you need from a Wealth Advisor.  You Only Live Once.

Race or Finish Line

Race or Finish Line

Race or Finish Line

Wherever you are in life, I understand. If you are starting, you may need Financial Planning on a monthly subscription fee basis. Some prefer to hire me based on the assets I manage. You will be treated uniquely and based on your specific needs. The ultimate goal is your Finish Line and Financial Freedom - You Deserve A Great Retirement!

Buying the Dip is Dead

Online apps were great for getting a new generation to start investing. However, the problems have been costly. Many without guidance speculated and lost money, investing in the wrong things like going to the casino. Now you can choose as much Financial Assistance as you need on a zero commission trading platform with Zero to Low-Cost Portfolios.

Let me do the work. You Enjoy Life.

    how can i help you?

    This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

    Secure Encrypted Files

    Upload

    Investment Advisory services offered through Rich Michaels Investments, LLC, a Registered Investment Advisor. 


    Financial Advisors do not provide specific tax/legal advice and this information should not be considered as such. You should always consult your tax/legal advisor regarding your own specific tax/legal situation.  


    Separate from the financial plan and my role as a financial planner, I may recommend the purchase of specific investment or insurance products. These product recommendations are not part of the financial plan and you are under no obligation to follow them.  


    Life insurance products contain fees, such as mortality and expense charges (which may increase over time), and may contain restrictions, such as surrender periods.   


    Rich Michaels Investments, LLC * Richard Minaya

    Fiduciary and Registered Investment Advisor Representative

    CRD# 6184429 

    Call 517.999.8888  Text 616.236.5696

    Schedule time with me - click on logo!

    Meetings are by Video or Phone unless otherwise arranged

    Copyright © 2025 Rich Michaels Investments,  All Rights Reserved.

    Powered by

    This website uses cookies.

    We use cookies to analyze website traffic and optimize your website experience. By accepting our use of cookies, your data will be aggregated with all other user data.

    Accept