Enders Wealth Management

Enders Wealth Management Securities offered through Cetera Wealth Services, LLC, member FINRA/SIPC. Cetera is under separate ownership from any other named entity.

Advisory Services offered through Cetera Investment Advisers LLC, a registered investment adviser. Working in the financial services industry since 1995, Kimberly Crichton Enders is a CERTIFIED FINANCIAL PLANNER™ with firsthand knowledge in most areas of personal finance. Kim has been a financial planner for over 25 years, having worked in the banking, insurance, and wire-house/stock brokerage fie

lds. This has kept her training ongoing, so she is well versed in the areas of investments, insurance, qualified plans, tax planning, estate planning and cash flow planning. A driving force behind Kim’s success in the financial services industry is her passion for education and helping her clients through knowledge. To earn the CFP® certification marks, Kimberly completed a rigorous comprehensive financial planning curriculum and currently maintains the marks by being held to a strict code of professional conduct known as the CFP Board’s Code of Ethics. She graduated from Michigan State University, earning her Bachelor’s Degree in 1995, and then Northwestern University for her CERTIFIED FINANCIAL PLANNER™ Certificate in 2015. Practice Specialties:
Personal Financial Analysis
Retirement Income Strategies
Portfolio Reviews
Fee-Only Planning


Summit Financial Networks is a region of Cetera Advisor Networks LLC. Securities and advisory services offered through Cetera Advisor Networks LLC, member FINRA/SIPC, a broker-dealer and a registered investment adviser.

It’s January, so we are back to regularly scheduled programming talking about more personal finance and less football. ...
01/11/2026

It’s January, so we are back to regularly scheduled programming talking about more personal finance and less football. I want to give a huge THANK YOU to our Texas advisor, Issac Power, for all his insight as he took over our socials for the last few months. If you, or someone you love, is a professional athlete….he’s a great advisor to have on your team.

My name is Kimberly, and I will be your social media tour guide for the next six months.  I am a Certified Financial Planner Professional here at Enders Wealth Management and I will be writing about after building generational wealth, the savvy strategies we use to transition wealth to our beneficiaries. No, it’s not gonna be a drawn out life insurance pitch…nobody has the patience for that. Myself included.

I want to talk about using personal finance strategically. Topics that other people on the Internet aren’t talking about because they’re not “cool “ like beneficiary designations, qualified charitable distributions, stepped-up cost basis for stocks, family foundations, trust planning and basically harnessing the tax code to work in your favor. I have met with thousands of people in my career and have seen these strategies used in the wild first hand. Sometimes it was brilliant and sometimes it blew up in people’s faces. My New Year’s resolution is to share this information with all of you so you can side step those financial landmines and successfully transfer your wealth to the people you want to receive it.

As we pregame for this… I encourage you to follow your favorite YouTube, Instagram or TicToc influencer to learn how make your fortune… that’s not what we’re going to be talking about here. It can be through the stock market, real estate, building a business, building a brand, playing sports or selling photos of your feet…you do you. I’m not here to judge. Once you’ve created your empire, it’s time for us to chat. I’ll be sharing the secrets (that aren’t really secret, just nobody talks about it ) of how to successfully transfer that wealth to your next generation, your community and your charitable endeavors….. all of which will be very unique to you.

There is an old saying in the business that it’s not about how much money you make, it’s about how much money you keep. Come with me on this journey over the next few months and let’s talk about how to keep what you worked hard to make.….and then give it away.

-k

12/01/2025

Happy Monday!
Sadly, this is our time together comes to a close. Today we recap the final regular-season games for Baylor and Michigan, bringing an end to the 2024 season for both programs. I’ll admit I was grotesquely optimistic about both teams back in August, but here we are—time to head into the offseason.
Baylor 27 – Houston 34
Well, I was hoping this excerpt would be discussing which bowl game Baylor would be going to and how happy I am that they won their final outing. But that is not the case as Baylor falls to 5-7, losing by 7 points in their last game at home. If you happen to run into any college seniors who just played their last snap this weekend, please tell them congratulations on an incredible career and remind them to smile because it happened, not cry because it’s over.
Michigan 10 – Ohio State 31
For one shining moment in the first quarter—after an early turnover—it felt like Michigan might actually pull off the upset and sneak into both the Big Ten Championship and the College Football Playoff conversation. Then Ohio State remembered they have arguably the best offense in America, paired it with a monstrous defense, and held the Wolverines to 10 points. A 9-3 season used to feel like a strong year in Ann Arbor. In 2024, it feels… meh. That’s modern Michigan football in a nutshell: 9 or 10 wins is the baseline, and everything else (Big Ten title hopes, playoff dreams, bragging rights) usually comes down to this one Saturday in November. With the loss, Michigan now waits idly for a mid-tier bowl bid, which somehow makes a nine-win season feel like a losing one.

Thanks for following along this season—it’s been a pleasure. See you in 2025!

11/28/2025

Happy Friday!
And a very Happy Thanksgiving to everyone! I hope you all stuffed yourselves silly, slipped into glorious food comas, and enjoyed the football feast—both yesterday’s games and the ones still to come this weekend.
Let’s dive in: we’ve got Baylor vs. Houston, Michigan vs. Ohio State to preview, and a quick recap of Lions vs. Packers.
Baylor vs. Houston
Baylor, Baylor, Baylor. The season has been what it’s been—full of obstacles, wins, and losses—but none of that matters now. This team needs a full-on Hoosiers- or Miracle-level speech in that locker room before kickoff. Houston is reeling after getting stunned by TCU last week. Let’s pounce on a wounded team, grab that doggone sixth win, and punch our ticket to a bowl game. For recruiting, for morale, for everything—this one is an absolute must. Let’s go get it. Sic ’em!
Michigan vs. Ohio State
Here it is: The Game. The one it seems to always come down to. Blowouts are rare in this rivalry, and I expect another tight, gritty battle—not a shootout, but a defensive slugfest where offense comes at a premium. Michigan has owned this series the last four years, but with a new head coach in Ann Arbor, can the streak continue against an Ohio State team that looks stronger and stronger every season? I’m not convinced. The Wolverines have leaned heavily on the run game all year, and it’s worked—mostly because the schedule has been kind. This young Michigan squad now has to grow up fast and play with the big boys if they want a shot at the College Football Playoff.
Lions vs. Packers
Wow. How lucky can one franchise be to roll out three straight franchise quarterbacks? Yesterday felt less like a Thanksgiving Day game and more like a January playoff preview. With the division tightening up—the Packers and Bears both sitting at 8-3—the Lions now need help and have to win out, starting with the rematch against Chicago. The offense is banged up and desperately thin, especially after losing a major playmaker at receiver. Bringing Frank Ragnow out of retirement to shore up a battered offensive line is a lifeline, but it’s still an uphill climb. Adapt and survive—that’s the motto in Detroit right now.

11/26/2025

Happy Wednesday!
With the college football regular season winding down and our time together coming to a close, I’ve started asking myself, “What else do we still need to cover?” We’ve talked taxes, NIL, insurance, estate planning, contracts, and more—but there’s one topic we haven’t hit yet that might be the most important of all:
How do you choose the right financial advisor?
At some point in your career (probably sooner than you think), someone calling themselves a “financial advisor” will sit down in front of you. They’ll have glossy folders, impressive titles, and a pitch about products, performance, or “exclusive opportunities.”
Here’s the truth I want you to remember:
The product matters… but the person matters way more.
Any advisor can sell you an insurance policy, an investment account, or a hot stock tip. What’s harder to find—and infinitely more valuable—is an advisor who is truly selling themselves: their character, their process, their loyalty to you over the long haul.
At the end of the day, most financial advisors are salespeople on an extended timeline. Some are incredible, some are average, and some are outright dangerous. That’s why interviewing and choosing the right one isn’t a two-minute decision—it’s a lifetime decision.
The advisor you pick today will likely be in your corner (or dragging you down) for decades, unless you deliberately fire them. Treat the selection process with the same intensity you bring to the weight room or film study.
Look for someone who puts your interests first, who explains things clearly without pressure, and who you’d actually trust with your mom’s money.
Because once you sign, they’re on your team—for better or worse.
Choose wisely. Your future self will thank you. 🏈💰

11/24/2025

Happy Monday!
There’s a term for coaches on the “hot seat” when losses pile up and fans start calling for their jobs. Well, after this weekend’s slate, I’m the one feeling the heat! Before we get to next week’s chaos, let’s recap Baylor vs. Arizona, Michigan vs. Maryland, Lions vs. Giants, and our Game of the Week: Oregon vs. USC.
Baylor vs. Arizona
This one was tight early, then turned into a blowout. The bigger story broke the day before kickoff: Baylor’s president announced that head coach Dave Aranda would return through at least 2026. Announcing an extension and then immediately losing is… not ideal. Same old script—offense disappears for long stretches, defense can’t get enough stops. Baylor is now one win away from either ending the season next week or punching a bowl ticket. I’ve already turned the page. Dwelling on this loss helps no one. One hill left: Houston.
Michigan vs. Maryland
Michigan fans, I’ve got good news and bad news.
Good news: You survived the trap games (barely) and still control your path to the College Football Playoff.
Bad news: You’re not running the ball 50 times against Ohio State and living to tell about it.
Michigan leaned heavily on the ground game against Maryland, which fits their identity—but that identity gets tested in a big way next weekend. Elite defenses like Ohio State’s don’t let you dictate tempo the same way. Can the Wolverines run effectively against the No. 1 team in the country, or will they need to open up the passing game earlier than they’re comfortable with? We’re about to find out.
Lions vs. Giants
Holy cow, what a game. The Giants led almost the entire way, only for Detroit to tie it late, force overtime, and steal the win. Give New York credit—with their coaching staff gutted and the team playing for pride (and a high draft pick)—every player left it all on the field. That kind of desperation is tough to beat on any given Sunday.
It’s a little concerning that the Lions needed heroics to beat a team in full rebuild mode, but winning on the road in the NFL is never easy, no matter the opponent. Survive and advance—Detroit did just that.
Oregon vs. USC (Game of the Week)
Oregon took care of business 42–27, but the real headline came in the post-game press conference. Ducks head coach Dan Lanning (politely) called out the SEC, pointing out that while the Big Ten was beating each other up in conference play, several top SEC teams scheduled late-season “cupcake” games—the kind you usually see in September.
He’s not wrong, and the numbers back him up. At one point this season, the Big Ten had seven teams ranked in the AP Top 15: Indiana, Oregon, Penn State, Ohio State, Illinois, Michigan, and USC. For a conference that’s historically been top-heavy, that depth is insane. The Big Ten has been the most entertaining and competitive league in college football this year—and if this is a preview of things to come in the expanded alignment, sign me up.
Enjoy the week, stay off my case (for now), and get ready—next weekend is going to be wild! 🏈

11/21/2025

Happy Friday!
College football is hitting its peak, and every NFL game now carries playoff weight. Let’s break down three matchups worth watching this weekend:
Baylor vs. Arizona
Baylor just parted ways with their athletic director, which puts extra heat on the coaching staff over these final two games. A new AD could easily clean house if there’s no winning culture to point to. Right now, the entire focus should be simple: one more win = bowl eligibility. This week it’s a road trip to Arizona, followed by Houston at home. I like Baylor’s chances much more against Arizona than Houston. The offense has shown all season it can score almost at will—the defense just needs a couple of key stops. Get those, and the Bears are bowling.
Michigan vs. Maryland
This feels like the ultimate trap game for Michigan. Next week is The Game against Ohio State—one with massive Big Ten and CFP implications—and it’s impossible for players and fans not to look ahead. Maryland isn’t a pushover, and after barely surviving Northwestern, another gritty, low-scoring win is very much in play. The Wolverines have to stay locked in the present, block out the Ohio State noise, and take care of business this weekend. Win this one ugly if necessary, and they keep their January hopes alive.
Lions vs. Giants
At 6-4, Detroit is heading into the home stretch. Sitting third in the NFC North behind Green Bay (fine) and… somehow the 7-3 Bears (how?!) is wild. Chicago has stolen multiple games in the final seconds this year. The good news? The Lions close the season with two games against those same Bears. That gives Detroit a real shot to climb the division standings and lock up a playoff spot. The first-round bye is likely gone, so now it’s all about securing home-field advantage in the wild-card round. The Giants, on the other hand, are in full transition mode—head coach fired, star running back out, and probably just trying to limp to the finish line. Next year’s roster could be dangerous with the right pieces, but right now they’re a team the Lions should handle comfortably at home.

Enjoy the games this weekend, and let’s go get those wins! 🏈

11/19/2025

Happy Wednesday!
Today we’re blending football and finance to talk about a reality many athletes face: the sudden end of income. College football is exciting, and some players dream of going pro. But for the vast majority, the journey looks very different once their final game ends in December—especially if they’re not part of the College Football Playoff or a bowl game. Starting that December, the monthly checks stop. Completely.

What was once a predictable deposit—arriving like clockwork—disappears overnight. No more athletic scholarships, no more stipends. Even if an agent covers training expenses or draft prep, that’s not income; it’s a loan against a future that may never come. Fast-forward through Pro Day in March, the NFL Draft in April, and rookie minicamp in May. For many, that minicamp is the last time they step on an NFL field. No contract. No roster spot. Suddenly, a young athlete who has poured years into this dream is left with $0 coming in, no clear place to live, and the very real pressure of supporting themselves—and possibly a family. I’m not sharing this to scare anyone. I’m sharing it so we can plan.

Yes, someone might get drafted in the first round and sign a life-changing deal. But many others will watch the draft come and go without their phone ringing. Some will keep grinding—trying to earn a camp invite, chasing the dream in Canada, the UFL, or arena leagues—while needing to pay rent and put food on the table today. The most dangerous path is letting time slip by without a backup plan. We’ve all heard the rare success stories of players who finally “make it” at 28, 29, or 30. We know them by name because they’re the exception, not the rule. Build the plan now. Protect your future—whether the dream comes true or not. You’ve already proven you can outwork everyone. Now out-plan them too.

11/17/2025

Happy Monday!

This weekend was stressful, to say the least, and it came with some heartbreak. Without further ado, let’s talk about Baylor vs. Utah, Michigan vs. Northwestern, Lions vs. Eagles, and—for the game of the week—Texas vs. Georgia.
Baylor vs. Utah
This was the toughest remaining game on Baylor’s schedule. Facing the #13 Utes was always going to be a battle, but the defense never showed up. I’m not sure if it’s a talent issue, personnel mismatch, or something else, but with two games left, something has to change. The goal is a bowl berth, and being this close yet so far is tearing me apart. The offense doesn’t worry me—putting up 20+ points with a complete unit is solid—but a defense surrendering 40+ points isn’t a winning formula. I still believe in this team; it’s just a matter of making it happen on Saturdays.
Michigan vs. Northwestern
A win is a win. Michigan looked ugly on offense, but they found a way to get it done. That’s sometimes the true measure of a good team: can they win the “should-win” games even when they’re off? If this Wolverines squad can play that poorly and still come out on top, it speaks volumes about their potential. One more tune-up game stands before Ohio State, which could decide whether Michigan makes the CFP.
Texas vs. Georgia
Here’s my take: Kirby Smart is turning Georgia into the new Alabama. The roster reloads every year, and the defense consistently produces high-caliber NFL talent. Texas kept it close until the fourth quarter, when Georgia scored a touchdown, then ran a surprise onside kick and punched in another score. In the SEC, home-field advantage matters more than in any other conference. It’s the closest thing college football has to NFL-level play—looking at the league as a whole, not cherry-picking outliers like Ohio State. Who knows how the SEC will shake out with Texas A&M mounting a 27-point comeback to win at home? The regular-season finale between Texas and Texas A&M might end up being the game of the year.
Lions vs. Eagles
This game exposed just how far the Eagles’ offense has fallen. They’ve regressed sharply since last year’s Super Bowl run—which was expected to some degree—but this drop-off is extreme. While the offense has declined, the defense has somehow elevated its play, adding key pieces to an already dominant unit. The Lions proved they’re not afraid to play bully ball on defense, going man-to-man against elite receivers and declaring, “Our guys are better than yours.” I do think this Lions team is volatile; the offense doesn’t always string together consistent scoring drives. But if they can get the offense firing on every possession—putting up points routinely—this is a deep-playoff squad.

11/14/2025

Happy Friday!
The end of the week ushers in the weekend — and what a slate we have: Baylor vs. Utah, Michigan vs. Northwestern, and Detroit Lions vs. Philadelphia Eagles.

Baylor vs. Utah
The name of the game? One more win. Six victories mean bowl eligibility, and we can file this season under “what could have been.” Offensively, this roster is loaded with talent. Defensively? Not so much — and it showed. The Big 12 felt wide open this year, but Texas Tech has emerged as the clear giant, fueled by a massive NIL overhaul that lured top-tier players. Millions spent, results delivered. This season is laying the foundation for the new era of college football: money talks, rosters win.
Michigan vs. Northwestern
Michigan finds itself in an intriguing spot: third in the Big Ten, with a season-defining clash against Ohio State looming. A win there could punch their ticket to the conference championship. But first, two trap games: Northwestern and Purdue. Both winnable. Both critical. Indiana has shown cracks — shaky performances against Michigan and Penn State suggest they’re not the powerhouse many thought. Coming off a bye, Michigan must start fast. A slow opener against Northwestern risks a quick deficit and a rattled rhythm heading into the Ohio State showdown.
Lions vs. Eagles
This is bigger than people think.
This could have been last year’s NFC Championship — and it might be again this postseason. Both teams are loaded, and both have been elite in recent years. This feels like the NFC’s version of Bills/Ravens vs. Chiefs — a measuring-stick matchup. The question: Which team is the rising power… and which is the established king? The Lions’ playoff legitimacy hangs in the balance.

11/12/2025

Happy Wednesday!
For today’s football-and-finance chat, let’s talk about the wizarding world of social media. It influences us every day—from how we dress to what we think and say. It has its upsides, but the downsides often outweigh them. Whether it’s scams or influencers peddling “secret hacks,” sorting truth from fiction can feel overwhelming.
You might scroll TikTok and stumble on someone hyping an investment, with comments either screaming “scam” or shouting support. My advice? Even if the source seems expert, pause and consider your situation. Everyone’s circumstances, risk tolerance, values, and goals are unique—what works for one person may flop for another.
Always run big decisions by a neutral third party (someone with no skin in the game) and play devil’s advocate: weigh the pros and cons from every angle before you commit.

11/10/2025

Happy Monday!
With Baylor and Michigan both on bye weeks, we'll stick to our usual Lions vs. Commanders breakdown. I'm in a different mood today, though, so we'll also touch on a couple of other NFL games: Patriots vs. Buccaneers and Dolphins vs. Bills.
Lions vs. Commanders
This was a win every day of the week. Facing a banged-up Commanders team, I felt strongly about Detroit securing the W. The offense delivered a 44-point explosion with no empty possessions, showcasing its full potential. The Lions improve to 6-3—which normally would be cause for celebration—but the NFC is as loaded as it's ever been. Five or six other teams in the conference sit at 6-3 or better, so climbing into the playoff picture will be an uphill battle. And once they're in, the competition will be fierce, to say the least.
Patriots vs. Buccaneers
Imagine someone telling you before the season that Drake Maye—the same quarterback who looked like a bust last year—would now be an MVP frontrunner. You'd be stunned. Yet here we are: the Patriots sit at 8-2 after beating a strong Tampa Bay squad led by Baker Mayfield, a loaded offense, and a notoriously stout defense. Some fans are thrilled to see New England winning again; others, not so much. Since Mike Vrabel took over as head coach, the team has rallied behind his leadership, showing real life on offense—and a Vrabel defense is always a good defense.
Dolphins vs. Bills
There are plenty of great football movies—Friday Night Lights, When the Game Stands Tall, and a personal favorite, The Replacements. But Any Given Sunday perfectly encapsulates this game. Miami delivered an absolute masterclass, making a Bills team—widely seen as Super Bowl contenders—look downright awful on defense. The Dolphins hung 30 points on them despite entering the game at 2-7.

11/07/2025

Happy Friday!
With this being the shortest Friday post of the year—Michigan and Baylor both on bye—look for multiple Games of the Week on Monday. Today, we’ll focus solely on Lions vs. Commanders.
Washington has lost its franchise quarterback for the season, which naturally boosts my confidence in Detroit’s offense against a team that appears to be checking out. The Commanders’ 3-6 record feels misleading: at times they’ve fielded a healthy roster, at others they’ve been severely short-handed. We’ve reached the point where teams either limp to the finish or scrap for a wild-card spot. In a battered division, I can’t predict whether Washington will fight or simply roll over. Either way, the Lions should capitalize.

Address

38700 Van Dyke Avenue #125
Sterling Heights, MI
48312

Website

Alerts

Be the first to know and let us send you an email when Enders Wealth Management posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Enders Wealth Management:

Shortcuts

Share

Category