--- title: Resources | Exchange Capital Management description: Our team of independent, fee-only financial advisors have created free resources to help build on your financial growth and literacy. Explore infographics, eBooks, tools, videos, and articles. --- [![ECM_Hi_Res_Logo](https://www.exchangecapital.com/hubfs/Logo/ECM_Hi_Res_Logo.bmp "ECM_Hi_Res_Logo")](https://www.exchangecapital.com?hsLang=en-us) [(734) 761-6500](tel:7347616500) [![Login](https://no-cache.hubspot.com/cta/default/2173418/b6517516-71e3-47b5-9b09-b50b5b2980b2.png)](https://cta-redirect.hubspot.com/cta/redirect/2173418/b6517516-71e3-47b5-9b09-b50b5b2980b2) [![WealthyStreet Academy](https://no-cache.hubspot.com/cta/default/2173418/2827678b-1867-4d1f-8b28-a81bae5d0b93.png)](https://cta-redirect.hubspot.com/cta/redirect/2173418/2827678b-1867-4d1f-8b28-a81bae5d0b93) ** ** ** [![Exchange Capital Management](https://www.exchangecapital.com/hubfs/Logo/ECM_Hi_Res_Logo.bmp "Exchange Capital Management")](https://www.exchangecapital.com/?hsLang=en-us) [(734) 761-6500](tel:7347616500) 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](https://www.exchangecapital.com/hubfs/2024%20Website%20Redesign%20-%20Get%20a%20Grip%20on%20Capital%20Gains%20CTA.png "Get a Grip on Capital Gains ")](https://www.exchangecapital.com/resources/infographics/get-a-grip-on-capital-gains?hsLang=en-us) [Get a Grip on Capital Gains](https://www.exchangecapital.com/resources/infographics/get-a-grip-on-capital-gains?hsLang=en-us) [![The True Value of A Fee Only Advisor](https://www.exchangecapital.com/hubfs/2024%20Website%20Redesign%20-%20The%20True%20Value%20of%20A%20Fee%20Only%20Advisor%20CTA.png "The True Value of A Fee Only Advisor")](https://www.exchangecapital.com/resources/infographics/the-true-value-of-a-fee-only-advisor?hsLang=en-us) [The True Value of a Fee-Only Advisor](https://www.exchangecapital.com/resources/infographics/the-true-value-of-a-fee-only-advisor?hsLang=en-us) [![What is Financial Planning](https://www.exchangecapital.com/hubfs/2024%20Website%20Redesign%20-%20What%20is%20Financial%20Planning%20CTA.png "What is Financial Planning")](https://www.exchangecapital.com/resources/infographics/what-is-financial-planning?hsLang=en-us) [What is Financial Planning](https://www.exchangecapital.com/resources/infographics/what-is-financial-planning?hsLang=en-us) [![When should i claim social security](https://www.exchangecapital.com/hubfs/_2024%20Orange%20Website%20Redesign%20-%20Social%20Security%20Now%20or%20Later%20CTA.png "When should i claim social security")](https://www.exchangecapital.com/resources/infographics/social-security-now-or-later?hsLang=en-us) [Social Security: Now or Later?](https://www.exchangecapital.com/resources/infographics/social-security-now-or-later?hsLang=en-us) [![Cyber Security Phishing Guide](https://www.exchangecapital.com/hubfs/2024%20Orange%20Website%20Redesign%20-%20Cyber%20Secutity%20Phishing%20Guide%20CTA.png "Cyber Security Phishing Guide")](https://www.exchangecapital.com/resources/infographics/cyber-security-phishing-guide?hsLang=en-us) [Cyber Security: Phishing Guide](https://www.exchangecapital.com/resources/infographics/cyber-security-phishing-guide?hsLang=en-us) [![Setting Your Child up to be a millionaire](https://www.exchangecapital.com/hubfs/2024%20Orange%20Website%20Redesign%20-%20Setting%20Your%20Child%20up%20to%20be%20a%20millionaire%20CTA.png "Setting Your Child up to be a millionaire")](https://www.exchangecapital.com/resources/infographics/setting-your-child-up-to-be-a-millionaire?hsLang=en-us) [Setting Your Child up to Be a Millionaire](https://www.exchangecapital.com/resources/infographics/setting-your-child-up-to-be-a-millionaire?hsLang=en-us) [![20 Questions to ask any financial advisor](https://www.exchangecapital.com/hubfs/2024%20Orange%20Website%20Redesign%20-%2020%20Questions%20CTA.png "20 Questions to ask any financial advisor")](https://www.exchangecapital.com/resources/infographics/20-questions-to-ask-any-financial-advisor?hsLang=en-us) [20 Questions to Ask Any Financial Advisor](https://www.exchangecapital.com/resources/infographics/20-questions-to-ask-any-financial-advisor?hsLang=en-us) [![How to protect yourself from identity theft](https://www.exchangecapital.com/hubfs/2024%20Orange%20Website%20Redesign%20-%20%20How%20to%20protect%20yourself%20from%20identity%20theft%20CTA.png "How to protect yourself from identity theft")](https://www.exchangecapital.com/resources/infographics/how-to-protect-yourself-from-identity-theft?hsLang=en-us) [How to Protect Yourself from Identity Theft](https://www.exchangecapital.com/resources/infographics/how-to-protect-yourself-from-identity-theft?hsLang=en-us) [![Cant Count on the Coupon](https://www.exchangecapital.com/hubfs/2024%20Orange%20Website%20Redesign%20-%20Cant%20Count%20on%20the%20Coupon.png "Cant Count on the Coupon")](https://www.exchangecapital.com/resources/infographics/cant-count-on-the-coupon?hsLang=en-us) [Can't Count on the Coupon](https://www.exchangecapital.com/resources/infographics/cant-count-on-the-coupon?hsLang=en-us) [![Breaking Down Roth Conversions ](https://www.exchangecapital.com/hubfs/2024%20Orange%20Website%20Redesign%20-%20Breaking%20Down%20Roth%20Conversions%20CTA.png "Breaking Down Roth Conversions ")](https://www.exchangecapital.com/resources/infographics/breaking-down-roth-conversions?hsLang=en-us) [Conversion Conundrum](https://www.exchangecapital.com/resources/infographics/conversion-conundrum?hsLang=en-us) [![What Stock Should I Donate?](https://www.exchangecapital.com/hubfs/2024%20Orange%20Website%20Redesign%20-%20Donation%20Frustration%20CTA.png "What Stock Should I Donate?")](https://www.exchangecapital.com/resources/infographics/donation-frustration?hsLang=en-us) [Donation Frustration](https://www.exchangecapital.com/resources/infographics/donation-frustration?hsLang=en-us) [![Wired to Fail: How the Stock Market Conspires Against Us](https://www.exchangecapital.com/hubfs/2024%20Orange%20Website%20Redesign%20-%20Wired%20to%20Fail%20CTA.png "Wired to Fail: How the Stock Market Conspires Against Us")](https://www.exchangecapital.com/resources/infographics/wired-to-fail?hsLang=en-us) [Wired to Fail](https://www.exchangecapital.com/resources/infographics/wired-to-fail?hsLang=en-us) [![A Treacherous Trek](https://www.exchangecapital.com/hs-fs/hubfs/2024%20Orange%20Website%20Redesign%20-%20A%20Treacherous%20Trek%20CTA%202%20.png?width=324&name=2024%20Orange%20Website%20Redesign%20-%20A%20Treacherous%20Trek%20CTA%202%20.png "A Treacherous Trek")](https://www.exchangecapital.com/resources/infographics/a-treacherous-trek?hsLang=en-us) [A Treacherous Trek](https://www.exchangecapital.com/resources/infographics/a-treacherous-trek?hsLang=en-us) [![Buying Advice vs Buying a Product](https://www.exchangecapital.com/hubfs/2024%20Orange%20Website%20Redesign%20-%20Buying%20Advice%20vs%20Buying%20a%20Product.png "Buying Advice vs Buying a Product")](https://www.exchangecapital.com/resources/infographics/buying-advice-vs-buying-a-product?hsLang=en-us) [Buying Advice vs Buying a Product](https://www.exchangecapital.com/resources/infographics/buying-advice-vs-buying-a-product?hsLang=en-us) [![Social Security and Divorce](https://www.exchangecapital.com/hubfs/2024%20Orange%20Website%20Redesign%20-%20Social%20Security%20and%20Divorce%20CTA.png "Social Security and Divorce")](https://www.exchangecapital.com/resources/infographics/social-security-and-divorce?hsLang=en-us) [Social Security and Divorce](https://www.exchangecapital.com/resources/infographics/social-security-and-divorce?hsLang=en-us) [![Risky Retirement](https://www.exchangecapital.com/hubfs/2024%20Orange%20Website%20Redesign%20-%20Risky%20Retirement.png "Risky Retirement")](https://www.exchangecapital.com/resources/infographics/risky-retirement?hsLang=en-us) [Risky Retirement: The Essential Guide to Cutting the 9-to-5 Before 65](https://www.exchangecapital.com/resources/infographics/risky-retirement?hsLang=en-us) ** ## eBooks Strategy guides that break down finances concepts in more depth [![How to Transition from Saving to Spending](https://www.exchangecapital.com/hubfs/2024%20Orange%20Website%20Redesign%20-%20How%20to%20Transition%20from%20Saving%20to%20Spending%20CTA.png "How to Transition from Saving to Spending")](https://www.exchangecapital.com/resources/ebooks/how-to-transition-from-saving-to-spending?hsLang=en-us) [How to Transition from Saving to Spending](https://www.exchangecapital.com/resources/ebooks/how-to-transition-from-saving-to-spending?hsLang=en-us) [![How to Teach your kids about money](https://www.exchangecapital.com/hubfs/2024%20Orange%20Website%20Redesign%20How%20to%20Teach%20your%20kids%20about%20money%20CTA.png "How to Teach your kids about money")](https://www.exchangecapital.com/resources/ebooks/how-to-teach-your-kids-about-money?hsLang=en-us) [How to Teach Your Kids About Money](https://www.exchangecapital.com/resources/ebooks/how-to-teach-your-kids-about-money?hsLang=en-us) [![Giving on Principle ](https://www.exchangecapital.com/hubfs/2024%20Orange%20Website%20Redesign%20-%20Giving%20on%20Principle%20CTA.png "Giving on Principle ")](https://www.exchangecapital.com/resources/ebooks/giving-on-principle?hsLang=en-us) [Giving on Principle: Exploring the Use of Donor-Advised Funds](https://www.exchangecapital.com/resources/ebooks/giving-on-principle?hsLang=en-us) [![Getting Started](https://www.exchangecapital.com/hubfs/2024%20Orange%20Website%20Redesign%20-%20Getting%20Started%20CTA.png "Getting Started")](https://www.exchangecapital.com/resources/ebooks/getting-started?hsLang=en-us) [Getting Started: The Essential Guide to Navigating Employer Retirement Plans](https://www.exchangecapital.com/resources/ebooks/getting-started?hsLang=en-us) ** ## Download Kits Downloadable resource packs designed to help you understand and take charge of your financial situation [![Jailbreak your 401k ](https://www.exchangecapital.com/hubfs/2024%20Orange%20Website%20Redesign%20-%20Jailbreak%20your%20401k%20CTA.png "Jailbreak your 401k ")](https://www.exchangecapital.com/resources/download-kits/jailbreak-your-401k?hsLang=en-us) [Jailbreak your 401k](https://www.exchangecapital.com/resources/download-kits/jailbreak-your-401k?hsLang=en-us) ** ## Media Library Watch & Listen Kevin McVeigh Explains the Client-Advisor Relationship How to Research a Financial Advisor Using BrokerCheck What is an Independent Fee-Only Fiduciary Advisor? Mike Reid, CFA on Local 4 Detroit ** ## FAQs Popular questions and answers within the industry and specific to Exchange Capital Management [More FAQs →](https://www.exchangecapital.com/faqs-preview?hsLang=en-us) ** ** What is a fiduciary? Fiduciaries are obligated to put your best interests first at all times and provide unbiased advice that works to establish loyalty to the client, not a financial company. To learn more, check out our [infographic](https://www.exchangecapital.com/fee-only-advisor-infographic-lp?hsLang=en-us). ** ** What's the difference between fee-only and a stock broker? In short, a stock broker is never held to the fiduciary standard, they're transaction based, incentivized with commissions and product sales, and have a non-transparent compensation structure. In other words, they can make financial decisions solely based on their own personal gain. Sometimes this can be great for the investor, but only if the broker's objectives align with the client's. Whereas, a fee-only fiduciary advisor is held to the fiduciary standard 100% of the time, with complete transparency. They are strictly compensated by the [established fee structure](https://www.exchangecapital.com/services/cost-of-service-preview?hsLang=en-us), meaning they're not influenced by commissions or sales. This allows the financial decisions between advisor and client to be entirely based on the goals of the client. ** ** Why would I need a financial advisor? If you can't confidently answer "yes" to all of these questions, you would benefit from hiring a financial advisor: - Do I have the experience to independently handle the complexities of my financial situation? - Do I have the time to research, apply, monitor and adjust my planning and investment portfolio? - Do I have the desire to do so? - Do I have the long-term discipline to independently make prudent decisions not based on emotion? - Finally, do I have confidence that a contingency (someone in place of me) has the experience, time, desire and discipline? ** ** How do I know you won't take the money and run? As [fiduciaries](https://www.exchangecapital.com/team-preview?hsLang=en-us), we are held to legal and ethical standards that ensure we act in your best interests, not our own. This protects your investments by providing safeguards that every fiduciary must follow.  ** ##### Market Knowledge ###### Read the Blog Gather insight from some of the industry's top thought leaders on Exchange Capital's team.  ** ##### More Guidance ###### [Explore Free Resources ](https://www.exchangecapital.com/resources?hs_preview=JvUytiCL-6242156730&hsLang=en-us) [Get access to educational eBooks, infographics, cheat sheets, and so much more!](https://www.exchangecapital.com/resources?hs_preview=JvUytiCL-6242156730&hsLang=en-us) ** ##### What's the Buzz ###### Check out the Newsroom  Discover what Exchange Capital Management is saying in print and broadcast media. ### Exchange Capital Management, Inc. 110 Miller Ave. First Floor Ann Arbor, MI 48104 [(734) 761-6500](tel:%20734-761-6500) [info@exchangecapital.com](mailto:%20info@exchangecapital.com) ### Contact Us Copyright © 2024 Exchange Capital Management, Inc. All Rights Reserved. ![](https://www.facebook.com/tr?id=350100005512119&ev=PageView&noscript=1) ![](https://px.ads.linkedin.com/collect/?pid=1789714&fmt=gif) ```json { "@context" : "https://schema.org", "@type" : "VideoObject", "contentUrl" : "https://2173418.fs1.hubspotusercontent-na1.net/hubfs/2173418/Website%20Images/Kevin%20McVeigh%20on%20Client%20Relationships.mp4", "dateModified" : "2022-06-01T06:53:55.021Z", "duration" : "PT45S", "height" : 720, "name" : "Kevin McVeigh on Client Relationships", "thumbnailUrl" : "https://api-na1.hubapi.com/filemanager/api/v3/files/thumbnail-redirect/6462039970?portalId=2173418&size=medium", "uploadDate" : "2018-11-06T19:10:02.125Z", "width" : 1280 } ``` ```json { "@context" : "https://schema.org", "@type" : "VideoObject", "contentUrl" : "https://2173418.fs1.hubspotusercontent-na1.net/hubfs/2173418/Videos/Video%20-%20BrokerCheck%20Video%20-%20How%20to%20Research%20a%20Financial%20Advisor%20Using%20BrokerCheck%20Tutorial%20Video%20-%20M.mp4", "dateModified" : "2022-06-01T06:53:44.861Z", "description" : "", "duration" : "PT2M47.7S", "height" : 1080, "name" : "Video - BrokerCheck Video - How to Research a Financial Advisor Using BrokerCheck Tutorial Video - M", "thumbnailUrl" : "https://api-na1.hubapi.com/filemanager/api/v3/files/thumbnail-redirect/25832119869?portalId=2173418&size=medium", "uploadDate" : "2020-02-13T18:01:27.877Z", "width" : 1728 } ``` ```json { "@context" : "https://schema.org", "@type" : "VideoObject", "contentUrl" : "https://2173418.fs1.hubspotusercontent-na1.net/hubfs/2173418/Website%20Images/FON%20Video.mp4", "dateModified" : "2022-06-01T06:53:45.532Z", "duration" : "PT2M28S", "height" : 720, "thumbnailUrl" : "https://api-na1.hubapi.com/filemanager/api/v3/files/thumbnail-redirect/6462198191?portalId=2173418&size=medium", "uploadDate" : "2018-11-06T19:10:15.499Z", "width" : 1280 } ``` ```json { "@context" : "https://schema.org", "@type" : "VideoObject", "contentUrl" : "https://2173418.fs1.hubspotusercontent-na1.net/hubfs/2173418/Videos/Video%20-%20WDIV%20Broadcast%20ft.%20Mike%20Reid%20-%20MP4%20-%2011-6-18-1.mp4", "dateModified" : "2022-06-01T06:53:54.304Z", "duration" : "PT2M18S", "height" : 720, "name" : "Video - WDIV Broadcast ft. 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