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  • Welcome to Mainstay Capital Management

    Welcome to Mainstay Capital Management

    We are an independent, fee-only, Registered Investment Advisor. As a fiduciary to our clients,
    we offer truly objective investment advice with only your best interests in mind.

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  • When Your Investments Demand  Professional Management

    When Your Investments Demand Professional Management

    Mainstay Capital Management can bring you the peace of mind that comes with knowing you have planned prudently for your future.

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  • Mainstay Compass™

    Mainstay Compass™

    Together, we can create a plan to get you on the right path towards and through retirement.

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  • Investment Management Solutions

    Investment Management Solutions

    Our team will manage your investment portfolio consistent with your personal retirement plan.

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  • Individual 401(k), 457, and 403(b)  Account Management

    Individual 401(k), 457, and 403(b) Account Management

    We specialize in the management of individual 401(k), 457, and 403(b) accounts for employees and retirees.

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  • Client Service Built on Trust

    Client Service Built on Trust

    With our staff of Certified Financial PlannersTM and Chartered Retirement Planning CounselorsSM,
    we can offer advice and comprehensive solutions for all of your financial planning needs.

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Voya has announced changes that will impact the State of Michigan 401(k) and 457 Plans (the Plans). Effective July 31, 2017, three funds will be removed as investment options under the Plans and new funds will be added to the line-up.


Transfers out of the closing funds must be complete by market close on July 28th or balances will automatically transfer to an alternative fund in the plan.


Also effective July 31, 2017, the name of the RidgeWorth Ceredex Small Cap Equity Fund will become Virtus Ceredex Small-Cap Value Equity Fund. This is a name change only.


All of these fund changes are part of the core plan options under the Plans. Mainstay utilizes the Brokerage Link option available to State of Michigan plan participants. To discuss these changes to the State of Michigan 401(k) and 457 plan, do not hesitate to contact us toll-free at 1-866-444-6246.

As a reminder, effective January 1, 2015, the loan rules were amended to permit up to two outstanding loans total from the 401(k) and 457 plans at any one time, reduced from seven. The new loan provision, effective January 1, 2016, further revises the number of loans permitted at a time from two to one.

While it is possible there are times a loan from your 401(k) or 457 plan may be your only or best option, taking that loan can have a detrimental effect on your retirement savings. There are many factors that should be taken into consideration before looking to your retirement savings account as a revenue source.

If you are considering taking a loan from your SOM 401(k) or 457 and would like to discuss how this may impact your retirement plan or to explore other possible revenue sources, do not hesitate to contact us toll-free at 1-866-444-6246.

The State of Michigan has announced investment option changes for the State of Michigan 401(k) and 457 plans.

Effective January 10, 2014 Jennison Large Cap Growth Fund will replace Rainier Large Cap Growth Fund and Vanguard Emerging Markets Index Fund will replace SSgA Emerging Markets fund. These new investment options will provide similar investment strategies and risks, but the overall expenses for the investment options will be lower.

All balances and future contributions will be automatically transferred to the new finds and balances in those new funds will be available to trade on January 13, 2014.

Effective January 1, 2015, loan rules for the 401(k) and 457 plans will be amended to allow for up to two outstanding loans total from the plans at one time. In addition, effective January 1, 2016, the number of loans permitted at one time will be reduced to one.

There are many factors to consider before utilizing your 401(k) or 457 plan for a loan. Contact one of our Certified Financial PlannersTM toll-free at 1-866-444-6246 to discuss your personal situation and the impact this loan could have on your long term retirement plans.

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    • Americas Top Wealth Advisors 2020
    • Financial Advisor
    • 2018 Top 100 Barron's
    • Financial Times
    • Financial Planning

      Recent Media Appearances

      Bloomberg

      David Kudla, Mainstay Capital Management founder and chief executive officer, discusses Fed policy and how tariffs could change market outlook.

      FOX Business

      Mainstay Capital Management CEO David Kudla joined Maria Bartiromo on Fox Business TV to discuss the economy and where stocks are headed next.

      CNBC

      CNBC’s Steve Liesman interviews Federal Reserve President Charles Evans live from the ENGAGE Undergraduate Investment Conference.