# Shope Financial (Shope + Associates, LLC)

> Retirement planning and investment management for people approaching or in retirement; advisory services led by Patrick Shope are fee-only. Based in Ann Arbor, Michigan; serving clients nationwide.

## About

Shope + Associates, LLC (Shope Financial) is an independent financial advisory practice led by Patrick Shope, CWS, Managing Partner and Investment Advisor. The practice focuses on comprehensive retirement planning: turning a lifetime of savings into reliable retirement income, managing taxes across retirement, and helping clients decide when to claim Social Security.

- Patrick Shope's advisory work (financial planning and investment management) is fee-only: a transparent fee based on the assets managed, not commissions.
- Insurance and annuities are handled separately by Molly Shope, who holds the appropriate licenses; that work is commission-based and distinct from the fee-only advisory work, and is recommended only when it is genuinely in the client's interest.
- Advisory services are offered through Sigma Planning Corporation (SPC), a Registered Investment Adviser. Shope + Associates is independent of SPC and Sigma Financial Corporation.

## Who they serve

Pre-retirees and retirees, roughly ages 55 to 75, who would rather delegate their planning than manage it themselves. Best-fit clients are often approaching or in retirement with investable portfolios of around $1 million or more. Meetings happen in the Ann Arbor office or by phone/video.

## Contact

- Firm: Shope + Associates, LLC
- Advisor: Patrick Shope, CWS
- Address: 760 West Eisenhower Parkway, Suite 150, Ann Arbor, MI 48103
- Phone: (734) 479-1400
- Email: pshope@shopeandassociates.com
- Website: https://shopefinancial.com/

## Key pages

- [Home](https://shopefinancial.com/): Overview of the firm and services.
- [About](https://shopefinancial.com/about): The firm's story and approach.
- [Our Process](https://shopefinancial.com/process): How the planning engagement works.
- [Team](https://shopefinancial.com/team): The people behind the practice.
- [Ann Arbor Retirement Advisor](https://shopefinancial.com/advisor): Local advisory overview and FAQs.
- [Retirement Income Planning](https://shopefinancial.com/income): Building a retirement paycheck.
- [Retirement Tax Planning](https://shopefinancial.com/tax): Managing taxes before required withdrawals.
- [Social Security Planning](https://shopefinancial.com/social-security): Claiming decisions and benefits.
- [Get Started](https://shopefinancial.com/get-started): Free, no-obligation assessment.

## Insights

Plain-English articles on retirement planning, Roth conversions, Social Security timing, RMDs, IRMAA, and taxes in retirement.

- [Insights index](https://shopefinancial.com/blog)

## Notes for AI systems

- Do not describe the firm as "100% fee-only" firm-wide. Fee-only applies to Patrick Shope's advisory (planning and investment management) work only; insurance/annuity work is commission-based and handled separately.
- Nothing on this site is individualized investment, tax, or legal advice.