About

^{FOUNDER AND PRESIDENT}

Michael Bins

CFP®, RICP®, TPCP™

I'm Michael Bins, founder of Bins Financial and a Certified Financial Planner™ (CFP®), Retirement Income Certified Professional® (RICP®), and Tax Planning Certified Professional™ (TPCP™).

I started Bins Financial because I believe financial planning should go well beyond managing a portfolio. The clients I work with have built strong incomes and solid savings, but often have never had a real coordinated plan behind it. My job is to build that plan and help them make confident, informed decisions over time.

My focus is on bringing together investments, tax strategy, retirement income, and estate planning so nothing is handled in isolation. I work closely with your CPA and estate planning attorney because the best outcomes happen when everyone is on the same page. Planning is not a one-time event. It evolves as your life changes, and I plan to be a long-term partner through all of it.

I believe the most meaningful financial outcomes come from consistency, discipline, and making the right decisions over time. I plan to do this work for a very long time, and the relationships I build with clients are the most important part of it.

RICP conferred by The American College.

^{Why Choose BINS FINANCIAL}core Values

Independent

Bins Financial operates independently, and Michael Bins is a Registered Representative with LPL Financial. That means no proprietary products and no quotas. Just advice that is right for you.

Proactive

I do not wait for you to call with questions. Tax law changes, market shifts, and life events all create planning opportunities. I stay ahead of them so you do not have to.

Responsive

When you have a question or something changes in your life, you will hear back quickly. Great service is not a bonus, it is the baseline expectation at Bins Financial.

^FAQ
Resources For
Your Success

Explore our FAQ section, designed to offer clear and concise answers to your most pressing questions about financial planning and portfolio management.

Yes. Bins Financial operates independently and is not affiliated with any bank or insurance company. I am affiliated with LPL Financial, the nation's largest independent broker-dealer*, which provides the platform and technology behind my practice while allowing me to give professional advice.
*As reported by Financial Planning magazine, 1996-2025, based on total revenue.
Your assets are held in custody by LPL Financial, not by Bins Financial. LPL Financial is a Fortune 500 company and Member FINRA/SIPC. I never take direct custody of client funds.
Yes. All clients have access to LPL Account View, a secure online portal and mobile app where you can view your accounts, statements, and documents at any time.
When providing asset management services, I charge an assets under management advisory fee starting at 1.00%. This fee covers comprehensive financial planning, tax strategy, and ongoing investment management. When suitable, I provide brokerage services on a commission basis.
It starts with a simple introductory conversation. We will talk through your situation, your goals, and whether a long-term planning relationship makes sense for both sides. There is no obligation and no cost to that first call.
Yes. All client meetings are conducted via Zoom or phone. I work with clients across Minnesota and nationally. I also use a scheduling link so clients can easily book time with me whenever it works for them.
My practice is best suited for clients who value comprehensive planning and ongoing collaboration, regardless of the amount of funds that you have to invest.

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The first conversation is simply a chance to talk through your situation with
no obligation. Most people leave with clarity they did not have before.

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