Our Qualifications

Consolidated Financial Management & Tax Service offers clients an impressive depth of expertise in income tax preparation, investment planning, insurance, and estate planning.

During our 40 years in business, we have provided comprehensive tax and financial advice to a great number of clients.

Timo L. Nicholaou, President holds a variety of professional designations, and is well versed in a number of tax and financial disciplines. Our combined education and experience position us to offer broad-based financial advice that our clients can trust. Timo is Series 7 Security Licensed with FINRA, Series 63 & 65 with the State of Michigan, holds his Life & Health Insurance License with the State of Michigan, and his EFIN & PTIN Registration with Internal Revenue Service.

To meet with a CFM&TS advisor, contact us today.