Lelich Financial

Call us today!                                                                                                       (248) 649-0400                                                                                                                                    

My name is William (Bill) Lelich, and I would like to introduce myself to you.  After graduating from the University of Michigan-Ann Arbor with a business concentration degree, I pursued my MBA at the University of Detroit-Mercy, majoring in finance and accounting.

Throughout my career, I’ve had the privilege of combining my education with hands-on experience to help individuals and businesses make informed, sound financial decisions. It’s my mission to not just offer services, but to build lasting, trust-based relationships with my clients.

Ethics and Integrity

In my line of work, I believe in a guiding principle: the needs of my clients always come first.  This is more than just a commitment—it’s a core part of my professional philosophy.  I approach each situation with an ethical mindset, ensuring that my advice and actions align with your best interests.

My approach is centered around a needs analysis that evolves thorough listening and discovery.  By understanding your unique objectives and goals, I can provide guidance that is not only productive, but truly meaningful to you.  I see myself as a partner in your financial journey, one who is there to help, lead, and guide you.

One of the most important values I hold is integrity. It’s not always about what’s most profitable for me; it’s about ensuring your needs are met and maintaining a strong, ethical relationship with you. There have been many instances where I’ve had to say “no” or dissuade clients from options that weren’t in their best interest, even when it could have been more profitable for me.

This commitment to integrity is foundational to the way I work. I’m not just here to offer a service; I’m here to build trust and ensure your success, even if it means putting my personal gain aside.

A significant part of my work is education. I believe that my clients should feel informed and confident about the decisions they’re making, so I always take the time to explain options clearly and evaluate the pros and cons.

I make sure to voice my concerns when necessary—ensuring that the decisions you make are in your best long-term interest, not just in the short term. This is about providing the full picture, so you can make well-informed choices.

Tax Services

I provide comprehensive tax preparation for individual filing of 1040's and small businesses.  My services are designed to help you navigate the complexities of the tax system with ease and confidence.  Tax planning and preparation are critical components of financial success, and my goal is to ensure that you are taking advantage of all available deductions, credits, and strategies to minimize your tax liability.

I guarantee the preparation of your return, and will never provide one of the worst expenses: tax return loans.  The annual interest rate factored out on most of these is exorbitant!

Medicare

I keep getting approved and licensed with more Medicare health insurance plans.  I represent multiple insurance carriers (ex: BC/BS, UnitedHealthcare®, Aetna, Humana, HAP, Wellcare) and can help you find the one to meet your specific needs. 

You can select your current provider or enroll in a different plan. 

With so many plans, it can be confusing and overwhelming.  Let me help you navigate your options.

The open Annual Enrollment begins October 15th through December 7th.  Let’s review your current needs and write a specific plan for you. 

Please call me to make an appointment.

By submitting the information above, you are agreeing to be contacted by a Licensed Sales Agent by email or phone call to discuss information about Medicare Insurance Plans.  This is a solicitation for insurance.

I do not offer every plan available in your area.  Any information I provide is limited to those plans I offer in your area.  Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

Mortgage and Refinancing

My team and I beat the bank rates 90% of the time.  They have so much overhead with their layers of management.  With over 15 markets to shop, we will find you the best loan that fits your specific needs.  Depending on your credit score, loan to value, loan size, etc., we will work with you to give you the best rate and customize your loan, saving you thousands of dollars.  If you have a credit score over 620, you deserve the better rate.  Call us today to do a cost-benefit analysis and show you your savings.  NMLS# 1438337  

Budget and Financial Planning

I will show you the inexpensive way to budget yourself, and set you on a Financial Plan that will save you thousands over time.  Many brokers overcharge you for the services they provide.  I will guide you to a very prudent way to outperform your current broker and save you commissions and fees.

To start, we all need to have a budget.  From here you can begin to set up a plan.   We all can benefit from quality financial planning.   But first there are some fundamentals that need to be addressed.  Many people overlook these, and are not being cautious in their investment portfolio.

Credit Repair

I will examine your current credit situation and if needed, get you back on your feet and begin to improve your credit score, which has become so unfairly over factored in your financial status.

Property and Causality Insurance

I’ve been in the Insurance business for over 25 years.  Many of the policies are incorrectly written and need review and a professional analysis.  Your Auto, Home, and Umbrella policies can be a financial lifesaver when written correctly.

Life and Annuities

Many people are over insured and lack key coverage in a different area.  Life insurance is important, but other coverage is overlooked.  Life insurance can be the best way to fund your estate (inexpensively) and offer the liquidity to meet your estate demands and responsibilities.

Annuities have changed so much in the last 10 years.  There are great products out here in which many people don’t know. 

The key is not to lose your gains, because it takes too long to recoup the losses.  If you lose 20% one year, you have to do over 25% the next year to recapture the gains.

This is the answer to your smart wealth preservation.

Call us today to discuss any of your financial needs.