Equity Planning Group
We provide investment advice and insurance solutions that afford our clients with peace of mind. Because we are independent, we are able to select the insurance companies whose products best suit our client's needs.
ABOUT US
We provide investment advice and insurance solutions that afford our clients with peace of mind. Because we are independent, we are able to select the insurance companies whose products best suit our client's needs.
Equity Planning Group, Inc., has been implementing financial strategies since 1985. Equity Planning Group provides financial planning and risk management for individuals, retirees, small business owners and corporations. A desire to fulfill people’s basic financial needs encouraged Mr. Goldberg to start his business. Through introductions and referrals, Equity Planning Group, Inc., Has continued to be a valuable source for financial guidance.
MEET OUR STAFF
SCOTT GOLDBERG
President, Investment Adviser Representative (IAR) and Resident Producer of Life, Accident and Health Insurance
Scott Goldberg serves as President of Equity Planning Group, Inc. He has been an Investment Advisory Representative since 2000 and is responsible for daily research, selection, and trading.
Scott is a native of West Bloomfield and grew up in the Farmington Hills area. He graduated from Michigan State University in 1999.
His interests include playing pinball, following college football, listening to music, traveling, and spending time with family and friends.
NATE GOLDBERG
Founder (Retired)
Mr. Goldberg managed his own firm from 1974 until retiring in 2025. In the past, he served on the Michigan CFP board. Before entering the field of money management, he worked as an accountant for a national CPA firm. He received his BS in accounting from Ferris State University in 1966.
Nate was a past board member of Yad Ezra, a full-service food pantry, and was the managing director of Thanksgiving Day Baskets. WWJ Newsradio 950 named him outstanding citizen of the week in 1999. He also volunteered at Fleischman Senior Residence and received the Program of the Year Award in 2010. In 2011, Nate and his family received the Jewish Family Service Lifetime of Caring Award.
Nate grew up in Northwest Detroit with five older siblings and currently resides in West Bloomfield with his wife, Nancy. They have 2 children and 2 grandchildren.
INVESTMENTS
As Registered Investment Advisors, it is our duty to:
- Minimize trading costs and taxes
- Research the appropriate investments for your time horizon and risk tolerance
- Conduct regular client reviews to ensure goals are on track
- Stand by our fiduciary responsibility to work in our clients’ best interest
Equity Planning Group, Inc. is a fee based asset management firm. The only investment fees they receive are from their clients. Portfolios are managed using a variety of different assets: money markets, bonds, equities, REIT’s, alternative commodities, mutual funds, ETF’s, stocks and individual bonds are utilized to achieve your financial goals.
Clients assets are held at Charles Schwab and Betterment. All funds are held in the client’s name and are segregated. Accounts can be viewed online to review confirmations, check balances, review accounts and monthly statements. Click one of the following links to log into your respective account: Charles Schwab or Betterment.
Equity Planning Group, Inc. invests using a value oriented strategy. We are patient investors, not market timers. We believe that a majority of market participants are short term investors, and these “speculators” create opportunities for those with longer time frames (5+ years). Our biggest competitive advantage is the ability to be patient, as we believe wealth is created over time.
INSURANCE
Insurance is a key component to any financial plan. Nate and Scott are licensed independent insurance agents. Being independent allows them to provide unbiased counsel which has been the cornerstone of Equity Planning Group, Inc. since it was founded in 1985. With access to dozens of insurance carriers, the agents at Equity Planning Group, Inc. are able to identify the most appropriate policies in order to meet their clients’ needs.
LIFE INSURANCE
The premature death of the primary breadwinner may leave a family without future income, as well as debt. Life insurance protects against that risk. In addition, life insurance proceeds are not taxable. So, when leaving an inheritance to your loved ones, life insurance is often the most efficient option.
DISABILITY INSURANCE
People are far more likely to become disabled during their working years than to die. Disability insurance is what protects against losing future income due to one’s inability to work.
BUY-SELL INSURANCE
Small Business owners are responsible for protecting what they’ve worked so hard to build. The potential risks vary greatly from business to business, so constructing a customized insurance plan is where we begin.
ANNUITIES
There are some advantages to investing a portion of your money into an annuity including tax deferral,transferring risk, and guaranteed income. As pensions decline in modern times, an annuity can help to structure payments on a regular basis, thereby creating your own pension.
In most cases, life insurance proceeds paid to beneficiaries are received income tax-free. That said, there are situations where taxes may apply, depending on how the policy is structured or how benefits are paid. We recommend speaking with a tax professional to understand how these rules apply to your situation.
