Michael A. Nowak
Investment Advisor Representative

Michael has been helping his clients reach their goals for over 15 years. He believes that planning is the most important element in any financial strategy. Michael’s passion is to serve his clients in the most efficient and ethical manner. He is available most anytime day or night to address the needs and concerns of his clients.

Michael received his education from Ferris State University.  He continues to engage in ongoing professional development opportunities in an effort to be on the cutting edge of the financial and insurance industries.

Michael and his wife Shelby reside in Kalamazoo MI with their two young daughters, Reagan and Madaline.  Michael is an active partner at the Bridges Bible Church in Portage. He stays active with golfing and refereeing high school football and basketball.


SMG Financial Advisors utilize a unique planning system, consisting of:

  • Risk Assessment
  • Retirement Analysis
  • Social Security software to help mitigate risk that individuals will face.
  • Incorporates alternative investments along with traditional asset classes.


Joe Garcia – MBA, CLTC
Investment Advisor Representative

Joe has been in the financial services industry for over twenty years.  His military background has prepared him for the approach he takes both in his personal and business life and that is planning first, which is the most important element in financial planning.  Joe’s passion is to make sure he enriches the lives of others through sound financial planning and strategies, while maintaining high integrity and ethical standards.

Joe received his undergraduate education from Western Michigan University and his graduate degree from Michigan State University where he received his MBA.  Joe also holds a Certified Long-Term Care designation (CLTC) and is currently enrolled in American College.  His commitment to education shows his commitment to his clients and his career.

Joe and his wife Jessica reside in Portage Michigan and have two children Alex and Megan.  Although they are empty nesters now, the family remains close as Alex has begun his career in the Financial Services industry and Jess and Joe give their time and resources helping the Salvation Army with special projects.