MICHAEL GAVIN is a CERTIFIED FINANCIAL PLANNER™ professional, Wealth Management Specialist, Investment Management Consultant, branch manager with Raymond James Financial Services, Inc. (RJFS), and managing member of Gavin Financial Group. He is a graduate of Michigan State University with a B.A. in Financial Administration. He also earned a Masters Degree in Finance, Investments and Banking from the University of Wisconsin where he was responsible for the active management of a large endowment for the school through the Applied Securities Analysis Program.

Prior to joining Gavin Financial Group, Michael was an Equity Analyst for Provident Capital Management in Philadelphia and a Mutual Fund Product Representative for Kemper Financial Services in Chicago. Michael is a member of the CFA Institute, the Investment Analysts Society of Detroit, the Financial Planning Association, and the Northeastern Michigan Estate Planning Council. He began his career in the financial industry in 1992.

He has been recognized as a Rising Star for RJFS for his client commitment and dedication to service and integrity. He has been a member of the Executive Council for RJFS and is currently a Chairman’s Council member which is made up of the firm’s most successful advisors. Michael was recognized as a member of the 2020, 2021 & 2022 Forbes Best-in-State Wealth Advisor list and 2020 Financial Times Top 400 Financial Advisers list*.

Michael is actively involved in the community volunteering his time with the United Way and other community and religious organizations. He is currently a board member and past president serving Big Brothers Big Sisters in the Great Lakes Bay Region. He is currently an executive board member of the United Way of Midland County.

Membership is based on prior fiscal year production. Re-qualification is required annually. The ranking may not be representative of any one client's experience, is not an endorsement, and is not indicative of an advisor's future performance. No fee is paid in exchange for this award/rating.

The Forbes ranking of Best-In-State Wealth Advisors, developed by SHOOK Research, is based on an algorithm of qualitative criteria, mostly gained through telephone and in-person due diligence interviews, and quantitative data. Those advisors that are considered have a minimum of seven years of experience, and the algorithm weights factors like revenue trends, assets under management, compliance records, industry experience and those that encompass best practices in their practices and approach to working with clients. Portfolio performance is not a criteria due to varying client objectives and lack of audited data. Out of approximately 34,925 nominations, more than 6,550 advisors received the award. This ranking is not indicative of an advisor's future performance, is not an endorsement, and may not be representative of individual clients' experience. Neither Raymond James nor any of its Financial Advisors or RIA firms pay a fee in exchange for this award/rating. Raymond James is not affiliated with Forbes or Shook Research, LLC. Please visit https://www.forbes.com/best-in-state-wealth-advisors for more info.

The Financial Times 400 Top Financial Advisors is an independent listing produced annually by Ignites Research, a division of Money-Media, Inc., on behalf of the Financial Times (April 2020). To qualify for the list, advisers had to have 10 years of experience and at least $300 million in assets under management (AUM) and no more than 60% of the AUM with institutional clients. The FT reaches out to some of the largest brokerages in the U.S. and asks them to provide a list of advisors who meet the minimum criteria outlined above. These advisors are then invited to apply for the ranking. Only advisors who submit an online application can be considered for the ranking. In 2020, roughly 1,040 applications were received and 400 were selected to the final list (38.5%). The 400 qualified advisers were then scored on six attributes: AUM, AUM growth rate, compliance record, years of experience, industry certifications, and online accessibility. AUM is the top factor, accounting for roughly 60-70 percent of the applicant's score. Additionally, to provide a diversity of advisors, the FT placed a cap on the number of advisors from any one state that's roughly correlated to the distribution of millionaires across the U.S. The ranking may not be representative of any one client's experience, is not an endorsement, and is not indicative of an advisor's future performance. Neither Raymond James nor any of its Financial Advisors pay a fee in exchange for this award/rating. The FT, Ignite Research, and Money-Media, Inc. are not affiliated with Raymond James.

The Investment Management Consultant title is awarded to those who complete the Raymond James Institute of Investment Management Consulting program.

Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, CFP® (with plaque design) and CFP® (with flame design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.

Raymond James is not affiliated with the above organizations and/or charitable causes.