Aaron is a Managing Director and Wealth Management Advisor who has been with the Kulhavi Team since 1998. He works with High Net Worth Individuals and their families and offers them a personalized approach for portfolio management and retirement planning. He is the team's lead for Executive Stock Option Plans and 529 planning.

Aaron holds the CERTIFIED FINANCIAL PLANNER™ certification and the Chartered Retirement Planning Counselor professional designation.
Aaron is a Senior Portfolio Manager who can help clients pursue their objectives by managing on a discretionary basis his own Personalized or Defined Strategies, which may incorporate individual stocks and bonds, Merrill model portfolios, and third-party strategies. A Senior Portfolio Manager may make their strategies available to clients working with other Merrill advisors.

Aaron graduated from the University of Michigan with a degree in psychology. He is a member of Legatus and a Founding Member of 100 Businesses Who Care and resides in Plymouth with his wife Carla and three children.

Aaron was named to Forbes "Best-in-State Wealth Advisors" list in April 2023, For the fifth consecutive year (*Source: The Forbes “Best-in-State Wealth Advisors” list, published annually Jan - April. Rankings based on data as of June 30 of prior year).
Named to the Barron's "Top 1,200 Financial Advisors" list, March 2022, 2021 & 2020 (*Source: The Barron’s “Top 1,200 Financial Advisors: State-by-State” list, published annually in March. Rankings based on data as of September 30 of prior year).




*Source: The Forbes “Best-in-State Wealth Advisors” list, published annually Jan - April. Rankings based on data as of June 30 of prior year.

Data provided by SHOOK® Research, LLC. Forbes Best-in-State Wealth Advisors ranking was developed by SHOOK Research and is based on in-person, virtual, and telephone due diligence meetings to measure best practices; also considered are: client retention, industry experience, credentials, review of compliance records, firm nominations; and quantitative criteria, such as: assets under management and revenue generated for their firms. Investment performance is not a criterion because client objectives and risk tolerances vary, and advisors rarely have audited performance reports. SHOOK’s research and rankings provide opinions intended to help investors choose the right financial advisor and are not indicative of future performance or representative of any one client’s experience. Past performance is not an indication of future results. Neither Forbes nor SHOOK Research receive compensation in exchange for placement on the ranking. For more information, please see www.SHOOKresearch.com. SHOOK is a registered trademark of SHOOK Research, LLC.


*Source: The Barron’s “Top 1,200 Financial Advisors: State-by-State” list, published annually in March. Rankings based on data as of September 30 of prior year.

The Barron’s “Top 1,200 Financial Advisors” ranking considered advisors with a minimum of seven years financial services experience and who have been employed at their current firm for at least one year. This is a list of the top advisors in each state, with the number of ranking spots determined by each state’s population and wealth. Other quantitative and qualitative measures include assets under management, revenues generated by advisors for their firms, and the quality of the advisors’ practices, regulatory records, internal company documents, and 100-plus points of data provided by the advisors themselves. Rankings and recognition from Barron’s are
no guarantee of future investment success and do not ensure that a current or prospective client will experience a higher level of performance results, and such rankings should not be construed as an endorsement of the advisor. Barron’s is a trademark of Dow Jones & Company, Inc. All rights reserved.

Michael began his financial services career with Merrill in 1992. His personalized approach to wealth management, combined with over 25 years of experience and insight, is designed to help clients simplify their financial lives. By guiding clients through candid but caring discussions about their wealth management concerns, Michael can recommend strategies that extend beyond investing. Doing so, he builds a close relationship with each client, seeking to understand each one's individual goals, ideas and family situation.
In addition to advising individuals, Michael works with small and mid-size companies to provide access to retirement products and services, including 401(k) plans that can address the evolving needs of the plan sponsor. He helps employers customize retirement benefit programs that are designed to attract and retain employees. In this effort, he seeks service-oriented providers who can offer diversified investments while meeting complex regulatory requirements. Michael also enjoys helping employees understand their benefits so they can take full advantage of the choices offered.
Michael is a graduate of Wayne State’s Business School and has worked on the Kulhavi team for the past seven years. He is also active in the Detroit Economic Club, Association for Corporate Growth as well as a member in the Detroit Chapter of Legatus. Michael and his wife Maureen live in Dearborn Michigan and have two children Maggie and Alex.