Plan with Purpose.
Prosper with Crystal Coast.
Crystal Coast Wealth Advisors honors both the beauty of Northern Michigan’s crystal-clear lakes and the idea behind a kaleidoscope—where the same crystals create endlessly unique patterns.
That’s how we approach portfolios: while the tools are the same (stocks, bonds, ETFs, etc.), every client’s design is uniquely tailored. Whether you’re focused on long-term growth, income, or tax efficiency, your portfolio reflects your individual goals and needs.
Client solutions
Retirement, Your Way
Retirement involves many important decisions, and we’ll guide you through each stage to build confidence in your future.
Growing Your Nest Egg
We help you choose the right savings vehicles, explore options like Roth conversions, and evaluate whether alternatives to your
Leaving a Legacy
We help you protect what you’ve built, with strategies like trusts or donor-advised funds to ensure your values and assets are passed on with purpose.
Creating Income
Together, we build a smart, tax-efficient withdrawal strategy tailored to your lifestyle and goals—including early retirement if that’s your plan.
Social Security Strategies
Social Security can be one of your most valuable retirement assets—and the timing of your claim can make a big difference.
Maximizing Your Benefit
We help you evaluate the best time to claim based on your age, income needs, health, and long-term goals—so you don’t leave money on the table.
Navigating Life Changes
Whether you’re widowed, divorced, or still working, we guide you through how these factors affect your benefit and what options are available to you.
Coordinating with Other Income
Your Social Security decision doesn’t happen in a vacuum. We look at the whole picture to help integrate your benefit into a broader income and tax strategy that supports your lifestyle.
Unexpected Turns
Some life events are impossible to anticipate, but the right financial plan can help you stay grounded and prepared.
Caring for a Child with a Disability
We guide families through planning for long-term care, government benefits, and financial security, helping ensure your child is supported with or without you there.
Facing Loss Early
The emotional toll of losing a spouse too soon is immense. We help you navigate the financial aftermath with compassion and clarity, from managing benefits to adjusting long-term goals and preserving your future stability.
Planning for the Unknown
We help build flexibility and contingency planning so that your finances remain resilient even when life takes a turn.
Sudden Wealth Strategies
Whether from years of disciplined saving, a business sale, or inheritance, unexpected wealth brings both opportunity and complexity.
Making It Meaningful
We help you align your wealth with your values—whether that means giving to charity, supporting family, or investing in your community.
Planning Your Legacy
Deciding how to share your wealth isn’t always simple. We guide you through questions like: Should my beneficiaries inherit equally? Are there smarter ways to give?
Managing the Tax Impact
With significant assets, tax strategy becomes essential. We work with you to minimize taxes, preserve wealth, and create a long-term plan that protects what you’ve built.
Women & Wealth
Bridging the Wage & Career Gaps
From the gender pay gap to time away from the workforce for caregiving, we help you build strategies that make up ground and keep your long-term goals on track.
Planning for Longevity
Women tend to live longer, which means retirement savings need to last longer too. We help you plan for a sustainable income, rising healthcare costs, and long-term security.
Owning Your Financial Future
Whether you’re managing money on your own, navigating life changes, or simply wanting more control, we’re here to empower your financial decisions with clarity and confidence.
Protect & Preserve
A strong financial plan doesn’t just grow your wealth—it protects it. We help you manage risk so you can move forward with confidence.
Strategic Use of Insurance
Whether you’re a business owner, planning for retirement, or safeguarding against unexpected events, we help you understand which insurance tools support your goals and protect your assets.
Portfolio Risk & Income Stability
We assess how much risk you’re really taking and whether your investments support lasting, reliable income. Dividends, liquidity, and smart diversification all play a role.
Defense as Part of the Plan
Risk isn’t just about the market. We help prepare for legal exposure, health challenges, and other disruptions—so your plan stands strong through whatever comes.
At your service
Debbie Craig — Senior Portfolio Manager
As a Financial Advisor since 2000, Debbie’s mission is to help her clients create a more financially independent and affluent financial future than they can alone by providing objective, creative solutions to help invest, build, and manage their wealth.
She achieves this by focusing on client education and trust as the cornerstone of client relationships.
Nothing is more important than trust in her relationships with her clients. She prides herself on bringing intelligence (as evidenced by my CFP® and MBA) balanced with the human element in all her client interactions. She develops a trusting relationship with clients so that as life’s transitions occur, both expected and unexpected, everyone is comfortable and honest with each other.
Andy Nuber — Financial Advisor
Andy’s journey to the financial industry began at The Ohio State University. During his time there, Andy not only excelled academically but also showcased his talents as a member of the Ohio State Bass Fishing Team, competing in national events and engaging in various charity initiatives.
Following his graduation in 2021, Andy embarked on a career in Mortgage underwriting where he honed his skills in financial analysis, risk management, and real estate. However, his desire to return to the Northern outdoors led him to Traverse City.
Andy’s alignment with Crystal Coast Wealth Advisors stems from a commitment to long-term financial planning and client-centric values.
Address
Charlevoix, MI 49720
Phone
