Dace DeKruif


Silver Strand Financial Planning

Stewardship Advicer

Dace DeKruif


Silver Strand Financial Planning

Stewardship Advicer

As a Stewardship Advicer, I provide advice and guidance to empower people to live generously for the glory of God and worship the King of Kings with the resources that He has provided by making wise decisions with cash flow, planning for the future, and living a generous life. - Dace DeKruif, CFP®, CRC®

The goal is not to help rich people get richer, but for people to become more like Jesus.

Dace DeKruif is a Bloomfield Hills, MI fee-only Stewardship Advicer.  Dace begins every client engagement by helping the client define and create their own Personal Statement of Financial Purpose (PSFP).  The PSFP becomes the foundation for all other decsions going forward as it enables us to define the clients' priorities and also begins to help clients answer the question of how much is enough.  There are a variety of tools and resources that are used in this process including holistic financial planning, investment management, estate planning and so much more.  The ultimate goal of the work that is done is to enable Dace to become a guide and thinking partner who is helping Christians live Biblically generous lives for the love of God, the love of others, and their joy.  Along the way, the process is designed to help clients understand, organize, grow and protect their assets through life’s transitions. As a fee-only, fiduciary, and independent financial advisor, Dace DeKruif is never paid a commission of any kind, and has a legal obligation to provide unbiased and trustworthy financial advice.

Dace DeKruif is a Fee-Only financial advisor located in Detroit, MI, serving clients throughout southeast Michigan and across the country.

My goal is to love Jesus, love others, and live an abundant life. This is the same desire that I have for my clients. Over the last 20 years, I have found that by helping people have a better understanding of their financial lives I can help enable them to live this out. While I love helping people, it is secondary to the time I get to spend with my incredible wife Jennifer, our amazing daughter, and our golden doodle.

What I have come to understand is that an abundant life is not about numbers on bank statements but the moments in life - large and small. We embrace all that life has to offer: the craziness of everyday life, working in our garden, camping in the UP, summer days at the cottage, finding sunshine in the winter in Florida, and so much more. We also spend a lot of time watching our daughter swim, play volleyball, and play soccer. In the last several years, I have found a new adventure to experience some of God’s amazing world by taking up endurance challenges. I have had the opportunity to complete the Grand Canyon rim to rim to rim (R2R2R) and to run the full Lakeshore Trail at Pictured Rocks.

I have almost 20 years of experience providing clients with the advice they need to live an abundant life. This includes creating financial plans, managing investments, and helping people begin and stay on the path towards living an abundant life.

I am a Certified Financial Planner™ (CFP®) and a Certified Retirement Counselor® (CRC®). I am also a member of XY Planning Network and The National Association of Personal Financial Advisors (NAPFA).

Dace DeKruif is a Member of the National Association of Personal Financial Advisors

The National Association of Personal Financial Advisors (NAPFA) is a leading professional association of Fee-Only financial advisors - highly trained professionals who are committed to working in the best interests of those they serve.

NAPFA members live by three important values:

  • To be the beacon for independent, objective financial advice for individuals and families.
  • To be the champion of financial services delivered in the public interest.
  • To be the standard bearer for the emerging profession of financial planning.

At the heart of what I do, is to provide advice. Silver Strand Financial Planning (SSFP) does not exist to sell you products or services or solely provide guidance on what things to buy, SSFP was created to provide you and your family with high-quality ongoing advice and education. SSFP does offer investment management as many of my clients do not want to embark on this on their own, but there is no requirement to utilize SSFP for this service.

After spending over 20 years in the financial services, investment management, and financial planning industries, I realized that what I was doing did not align with who I was. I believe that true wealth is not just a combination of account balances but that an abundant life requires so much more.

There is a sense that everything we do once we graduate high school is all aimed at reaching the great goal of retirement. But I believe that is the wrong view. At Silver Strand Financial Planning, retirement is a point on a journey, not the end in itself. I believe that we need to find joy in the journey and by finding joy in the journey we can discover what living an abundant life means. It is the experiences along the way that make life great. 

There is so much in my life that I have done that actually subtracts from the financial balance sheet but adds significantly more to the life experience/memory balance sheet. At SIlver Strand Financial Planning, I will help you find your family’s balance and then provide ongoing advice to help you thrive and adjust as life changes.

Silver Strand Financial Planning provides all families I work with access to cutting-edge technology which will assist in the day-to-day analysis, tracking, and accountability. There are many options families can choose but the families I work with value the personal touch, individualized plans, timely advice, access, and shared values that Silver Strand Financial Planning brings to each relationship.

Fee-Only, Fiduciary, Independent: Three Important Criteria to Consider When Choosing a Financial Advisor.


  • Stewardship Guidance
  • Generosity Planning
  • Creating Your Personal Statement of Financial Purpose
  • Comprehensive Financial Planning
  • Budget & Cash Flow Management
  • College Education Planning
  • Investment Management
  • Tax Planning
  • Retirement Income Planning

Ideal Clients

  • Growing Families
  • Novice Investors
  • Sudden Money Situations
  • Business Owners and Executives

Working Together

  • A Guide and Thinking Partner
  • Complimentary Initial Consultation
  • Virtual Meetings
  • Flexible In Person Meetings
  • Clearly Defined Fees
  • No Product Sales

Professional Designations & Affiliations

  • Certified Financial Planner (CFP)
    Dace DeKruif is a CERTIFIED FINANCIAL PLANNER™ Professional - Click for Verification

    CFP® professionals are held to strict ethical standards to ensure financial planning recommendations are in your best interest. What’s more, a CFP® professional must acquire several years of experience related to delivering financial planning services to clients and pass the comprehensive CFP® Certification Exam before they can use the CFP® designation.

  • Certified Retirement Counselor® (CRC®)
    Dace DeKruif is a Certified Retirement Counselor® (CRC®)

    The Certified Retirement Counselor® (CRC) certification is independently accredited by the National Commission for Certifying Agencies (NCCA). Of over 100 financial designations, the CRC® is one of only a very few retirement and financial planning-related certifications independently accredited by the NCCA.

  • DACFP Certificate in Blockchain and Digital Assets
    Dace DeKruif earned the Certificate in Blockchain and Digital Assets℠

    Financial professionals who hold the Certificate in Blockchain and Assets℠ issued by Digital Assets Council of Financial Professionals (DACFP) have earned the essential knowledge and skills they need to provide their clients accurate, relevant, timely and valuable advice about blockchain and digital asset management. Graduates of the Certificate program have taken the only course of its kind about this emerging ecosystem created for financial advisors by leading financial advisors.

  • National Association of Personal Financial Advisors (NAPFA)
    Dace DeKruif is a NAPFA-Registered Financial Advisor

    The National Association of Personal Financial Advisors (NAPFA) is a leading professional association of Fee-Only financial advisors—highly trained professionals who are committed to working in the best interests of those they serve.

  • XY Planning Network
    Dace DeKruif is a Member of the XY Planning Network

    The XY Planning Network is the leading organization of fee-only financial advisors who are focused on working with Generation X and Generation Y clients. Our mission is to connect consumers with best-in-class financial advisors who specialize in working with clients just like you.

Contact Dace DeKruif

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Office Locations:

  • 581 Yorkton Ln
    Bloomfield Hills, MI 48304

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