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Financial Planner Michael Ciaciuch, CFP®, AIF® in Bay City MI

Michael Ciaciuch, CFP®, AIF®

Principal at Act Two Financial Advisors
Bay City, Michigan

(989) 402-1423

Contact Details

Company Name Act Two Financial Advisors
Logo Act Two Financial Advisors Company Logo by Michael Ciaciuch, CFP®, AIF® in Bay City MI
Position Principal
Online Social Profiles
Main Phone (989) 402-1423
Main Location
822 Washington Ave. Suite B
Bay City, MI 48708
United States
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Professional Background

Registrations Act Two Financial Advisors, LLC, is a registered investment advisory firm in the state of Michigan and may offer investment advisory services to residents of Michigan or where otherwise legally permitted or where an exemption or exclusion from such registration exists.
Associations Member, Financial Planning Association
Accredited Investment Fiduciary® (AIF®)
National Social Security Advisor (NSSA)
Fees and Services Hourly and Assets Under Managements

About Act Two Financial Advisors

Michael Ciaciuch is the founder and principal of Act Two Financial Advisors, a fee-only financial planning and investment advisory firm in Bay City, Michigan.  Michael has been helping people prepare for retirement for over fifteen years.


Michael’s formal education includes a Bachelor of Science degree from Western Michigan University and MBA from the Richard DeVos Graduate School of Management at Northwood University.  He is a CERTIFIED FINANCIAL PLANNER™ professional since 2003, Accredited Investment Fiduciary (AIF®) since 2004, and earned the National Social Security Advisor (NSSA) designation in 2013.


Act Two offers professional, objective financial planning and investment advice to individuals, couples, and small business owners.  We provide as much or as little help as needed.  When it comes to financial advice, one size does not fit all.  Some people find value in a comprehensive financial plan.  Others are looking for a simple financial check-up or a second opinion, provided on an hourly consultation basis.  We believe we do our best work when we are able to build long-term relationships that include financial planning and ongoing investment management.


Many of our clients are retirees or pre-retirees 10 years or less from retirement.  We help develop a plan that addresses lifestyle and financial issues as they transition toward the next phase of life.


No one cares about your money more than you do.  We are next.  We have enjoyed a special relationship with many clients over the past fifteen years.  We have plotted a course and been together through good and rocky financial markets, through peak earning years, and in the retirement income distribution phase.


We don’t sell any products and we don’t accept money from any third parties.  We always place your interest above ours.


No one likes surprises.  We discuss your feelings about risk and reward.  To insure that we are on the same page, we construct and review an Investment Policy Statement that explains our investment philosophy and how we will manage your money. 


We understand the whole money thing can create anxiety.  We don’t judge – we’re here to help.  We also understand the importance of lifestyle issues and emotion in the financial planning process.  Relax!  We understand.


To learn more about our services, feel free to visit our website or send us a message using the Contact this Advisor form at the top. We are here to help!



"Don't Retire - Rewire!"

  I first read “Don’t Retire – Rewire!” in 2010. The full title is “Don’t Retire – Rewire! 5 Steps to Fulfilling..

By: Michael Ciaciuch, CFP®, AIF®

Tags: Book Review, For Consumers

Posted: 02/24/2017

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What Color Is Your Parachute for Retirement by Michael Ciaciuch, CFP®, AIF® in Bay City MI

What Color Is Your Parachute for Retirement

Like “Younger Next Year” and “Don’t Retire – Rewire,” this book addresses the lifestyle side of retirement. I will reference..

By: Michael Ciaciuch, CFP®, AIF®

Tags: Book Review, For Consumers

Posted: 02/24/2017

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Recently I posted the poem, “Someday Is Here”.  Several years ago, when I began reading the poem during client retirement planning sessions, within..

By: Michael Ciaciuch, CFP®, AIF®

Tags: Book Review, For Consumers

Posted: 01/06/2017

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