Creative Financial Planning Advisors
47yrs
Top advisor by experience in South Bend
42yrs
Michael Fred
Full name on record: Michael Eugene Fred
Financial advisor at Merrill Lynch, Pierce, Fenner & Smith
Based in South Bend, Indiana, Michael Fred is a financial advisor with 42 years of industry experience. Michael joined Merrill Lynch, Pierce, Fenner & Smith in 2003, a firm offering investment management, retirement plan consulting, and selecting outside investment managers. The firm is paid through a percentage of assets, flat fees, and commissions.
At a glance
Experience42 years (since 1984)
How that compares ?Top 2% by experience in Indiana
Office100 N Michigan St, South Bend, IN 46601
How the firm is paid ?Percent of assets, Flat fee, Commissions
Typical client at the firm ?$860,085
Advisors at the firm25,559
States licensed ?2 states
Services through Merrill Lynch, Pierce, Fenner & Smith
Investment management for individuals and small businessesInvestment management for businesses and institutionsRetirement plan consultingChoosing other investment managersEducational seminars and workshopsOther services
Specialties, designations like CFP®, and languages spoken appear here when advisors claim their profiles.
Licenses
Exams passed, from the official record. Tap a license to see what it allows.
Series 63Uniform Securities Agent State Law Examination
Career
- 2003 – now
Questions to ask Michael
Tailored to Michael’s registration and firm.
- What's your succession plan, and who would work with me if you retire?
- At a firm this size, will I work with you directly or with a service team?
- If you use outside managers, how are they chosen and what do they cost on top of your fee?
- Where would my money be held, and will I get statements directly from that firm?
- What would I pay in total each year, in dollars, including fund and trading costs?
My notes and scorecard
Sign in to keep private notes, score your first meeting, and track this advisor alongside others.
About Michael
How do I contact Michael?
Call Merrill Lynch, Pierce, Fenner & Smith at 800-637-7455 and ask for Michael Fred. Michael works from the South Bend, IN office.
How long has Michael been a financial advisor?
Michael has been in the industry since 1984, about 42 years. Top 2% by experience in Indiana.
What licenses does Michael hold?
Series 63. Tap any license on this page to see what it allows.
Is Michael a fiduciary?
Michael is registered with an advisory firm. Ask whether they act as a fiduciary for all the advice they give you.
How is Michael paid?
Merrill Lynch, Pierce, Fenner & Smith reports being paid by a percentage of the assets they manage, flat or fixed fees, commissions on some products. Ask Michael for your total yearly cost in dollars.
Official record as of October 3, 2026.
This profile is for information only and is not financial advice or a recommendation.
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