Headquarters:

888 W Big Beaver Rd. Suite 112, Troy, MI 48084

Phone: (888) 267-1321 | clientservices@citycenterfinancial.com

Advisory services offered through City Center Advisors, LLC a Registered Investment Advisor.  Insurance products offered through City Center Financial, LLC.  City Center Advisors, LLC and City Center Financial, LLC are affilliated entities.

City Center Advisors, LLC and City Center Financial, LLC do not provide tax or legal advice.  The information presented on this website is not specific to any individual’s personal circumstances.  No information contained in this website is intended to be tax, legal or investment advice.  Individuals should consult with their own tax, legal and investment professionals.

This website does not constitute a solicitation to purchase or sell securities in any jurisdiction in which City Center Advisors, LLC is not registered.  City Center Advisors, LLC is registered in the states of Michigan, New Jersey and Colorado.

City Center Advisors, LLC and City Center Financial, LLC are not affililiated with the Social Security Administration or any government organiztion.

 

© 2015 - 2017 by City Center Financial, LLC.

Kyle McCauley -

CRPC®, APMA®, NSSA®

Direct Line: 

(248) 275-1941

E-mail: kyle@citycenterfinancial.com

Managing Partner - City Center Financial

Kyle is one of the co-founders and Managing Partner of City Center Financial.  Kyle is passionate about the financial services industry as a whole, and specifically the segment of the industry that deals with the needs of the individual investor and retiree.  Kyle has been asked to train hundreds of financial advisors in the retirement planning market, and actively participates in the training of the advisors who work with him through Social Security planning.  Our clients continue to reap the benefits of Kyle's expertise in retirement planning solutions today.

Kyle first worked in the financial services industry as far back as 2006, although his focus was in working with younger people at that time.  In 2014, Kyle shifted his career focus to the needs of retirees and retirement planning.  Kyle has been the host of the syndicated show the Know Your Retirement® Show which was heard weekly across the country, educating retirees on the news, resources and information that can affect a retirement plan.

Kyle is a Chartered Retirement Planning Counselor (CRPC®) and an Accredited Portfolio Management Advisor (APMA®) through the College for Financial Planning. Additionally, Kyle holds a certificate as a National Social Security Advisor (NSSA®) and is also series 66 licensed, held at City Center Advisors, LLC, which holds him to a standard of fiduciary responsibility.

 

Kyle has a strong commitment to family, both immediate and extended. Kyle and his wife Pamela were married in 2008 and have two daughters.  Together, they're actively involved in their church, and enjoy traveling to see family across the country in New Mexico, Oregon, Alabama, Florida, Kentucky, Tennessee and Illinois.

Verified

The Chartered Retirement Planning Counselor℠ or CRPC® Professional Designation

Individuals who hold the CRPC® designation have completed a course of study encompassing pre-and post-retirement needs, asset management, estate planning and the entire retirement planning process using models and techniques from real client situations. Additionally, individuals must pass an end-of-course examination that tests their ability to synthesize complex concepts and apply theoretical concepts to real-life situations.

ISSUED TO

Kyle McCauley

STANDARDS

Higher Learning Commission (HLC)

The College for Financial Planning, Inc., is accredited by the Higher Learning Commission (HLC) and is a member of the North Central Association (NCA).

Colorado Commission on Higher Education (CCHE)

The College for Financial Planning has been authorized by the Colorado Commission on Higher Education (CCHE) to offer instruction for and to grant the Master of Science (MS) and Master of Science in Finance (MSF) degrees.

North American Securities Administrators Association (NASAA)

The North American Securities Administrators Association (NASAA) and numerous states have enacted regulations or legislation dealing with the use of “senior” designations used by financial planning practitioners, to separate designations that have credible requirements and academic rigor from those that have less stringent or no requirements.

Verified

The Accredited Portfolio Management Advisor℠ or APMA® Professional Designation

APMA® designees have completed a course of study encompassing client assessment and suitability, risk/return, investment objectives, bond and equity portfolios, modern portfolio theory and investor psychology. With hands-on practice in analyzing investment policy statements, building portfolios, and making asset allocation decisions including sell, hold, and buy decisions within a client’s portfolio. Individuals must pass an end-of-course examination.

ISSUED TO

Kyle McCauley

STANDARDS

Higher Learning Commission (HLC)

The College for Financial Planning, Inc., is accredited by the Higher Learning Commission (HLC) and is a member of the North Central Association (NCA).

Colorado Commission on Higher Education (CCHE)

The College for Financial Planning has been authorized by the Colorado Commission on Higher Education (CCHE) to offer instruction for and to grant the Master of Science (MS) and Master of Science in Finance (MSF) degrees.

North American Securities Administrators Association (NASAA)

The North American Securities Administrators Association (NASAA) and numerous states have enacted regulations or legislation dealing with the use of “senior” designations used by financial planning practitioners, to separate designations that have credible requirements and academic rigor from those that have less stringent or no requirements.

Verified

The National Social Security Advisor℠ or NSSA® Certification

Earners of the National Social Security Advisor Certificate have demonstrated the required knowledge necessary to assist clients in reviewing the many options that are available when receiving Social Security benefits as well as provide objective and unbiased Social Security education to the public. These earners are professional advisors who advise clients, colleagues, and others on the Social Security program and related benefits for adults aged 60-70.

ISSUED TO

Kyle McCauley

STANDARDS

Financial Industry Regulatory Authority (FINRA)

FINRA recognizes the use of the NSSA Designation requiring 8 hours of course study, a proctored exam, and a 16 hour continuing education requirement every 2 years to stay current on Social Security issues and regulation changes.

Media & Publications

"Telltale signs you're looking at a leveraged ETF are words like 'Ultra,' '3X,' '2X,' and 'Enhanced,' coupled with returns that are either significantly better, or significantly worse than the overall market," McCauley says.

"It [GIS] has a 3.06% dividend, a lower-than-industry average price-to-earnings ratio and positive accounting reports..."

"By using actively traded sector ETFs, we gain the ability to sell ETFs at any point throughout the trading day," he said. "That provides extra liquidity and nimbleness to avoid troubled market sectors, and take advantage of market sectors that are poised to do well."

April 26, 2017

"Those who save simply because they believe that they should save, tend to do so no matter what," said Kyle J. McCauley, managing partner at City Center Financial.

“A managed portfolio can generally be benchmarked by keeping the relative allocations split between the known benchmarks,” McCauley says. “An example of this would be a managed portfolio that consists of 60% equity positions and 40% bond positions. For such a managed portfolio, you would generally be fine to use 60% of the S&P 500 Total Return Index performance and 40% of the Bloomberg Barclays U.S. Aggregate Bond Total Return Index.”

"In fact, there's no direct way to replicate what the VIX Index is doing and in order to actually harness the VIX's movement you need to have substantially higher volatility than today's 12.78."

"From a financial point of view, it's more likely that tourism from Mexico will be dampened due to the continuing increase in the strength of the U.S. dollar than from a proposed wall"

"They put 5 percent or 10 percent of their paycheck in a separate account, every time, and just let the money sit there. They have no particular goal, other than to consistently save money. These individuals often amass savings accounts in the tens to hundreds of thousands of dollars."

"The question is this: “How many times in the last 15 years has the S&P 500 Price Return Index returned 4.86% +/- 2%.  Meaning, between 2.86% and 6.86%.”

The answer: Twice.  2 out of 15 or 13.33% of the time. Average returns are unpredictable and can lead to mistakes made by investors."

"There are two factors going on here.  The first is that we have, right now, many reluctant equity investors.  People and institutional money managers that have taken on more and more risk as interest rates have decreased over the last 20 years, in order to try to produce more returns."

Presentations

“Endowments – Bolster the Financial Stability of Your Organization for Today and Tomorrow”

Kyle McCauley, APMA®, and Managing Partner of City Center Financial, LLC

 

Building a donor base for any non-profit organization is hard work and necessary for survival. Diversifying the ways in which your organization can accept donations shows donors that your organization has long-term vision and a mindset that will increase their comfort in knowing that the money that they donate isn’t just making a difference today, but for years to come as well. You will leave this presentation equipped with the knowledge and tools to integrate or improve an endowment plan for your organization.

  • What is an Endowment Fund?

  • 4 Item Checklist to Start an Endowment Fund

  • Common Pitfalls of Endowment Funds and how to avoid them.

  • The Simplest Way to Begin – Deferred Gifts

  • Tax Considerations