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Invested in You

About Us

Since 1984, Variable Concepts has served as a trusted guide for individuals and families, providing customized financial services to help them reach their goals. As an affiliate of Cadaret, Grant & Co., Inc., we’re an experienced team of client-driven and relationship-based people who focus on understanding your unique aspirations and priorities. Let us help you plan for the big moments in your life: buying a home, having a child, taking a trip, planning for retirement or sending your kids to college. Life is about more than money – when you work with Variable Concepts, you’ll find sound advice and someone who cares about helping you make the right decisions.

What To Expect

1

We’ll meet in-person, wherever works best for you, to discuss your personal needs and goals.

2

Then, we’ll build a financial plan tailored to accomplish those goals, while managing risk at every stage of your life.

3

Finally, we’ll check in regularly to talk about how your life goals are being met and if any adjustments are needed.

Financial Services

Financial Planning

We’ll expertly manage your finances so that your goals and aspirations can be achieved. We’ll help you navigate the financial surprises that inevitably arise in every stage of life.

Wealth Management

We’ll make informed recommendations about which investments to choose for your personal assets based on your income, values and expectations.

Tax Services

We offer comprehensive tax planning and tax preparation services because taxes are an integral part of any financial plan.

Mutual Funds & Annuities

We’ll help you select the portfolio that matches your goals and risk tolerance, then review it on an ongoing basis.

Stocks, Bonds & CDs

We offer a variety of investments that will meet your financial objectives.

Life, Health & Disability

We have access to an array of options for protecting your health and sustaining your earning ability. Provide your family the financial safety they deserve.

Corporate Services

Qualified Plans

  • 401k & 403b
  • Profit sharing
  • SEP
  • Simple IRA
  • Defined Benefit
  • IRA

Group Company Benefits

  • Health insurance
  • Life insurance
  • Disability insurance
  • Retirement plans
  • Vision & dental plans
  • Section 125 plans

Voluntary Employee Benefits

  • Term & universal life
  • Vision
  • Dental
  • Disability
  • Accident & hospital indemnity
  • Legal & identity theft coverage

Our Team

Aaron

Aaron Pike

President, Registered Principal

Aaron works with individuals to create goals-based financial plans and with corporations to implement retirement plans while educating employees from enrollment to retirement.

Valentino

Valentino Ciullo

Chairman, Registered Principal

Val develops strategies to help his clients achieve their financial goals and brings years of experience to the team.

Angie

Angie Kreitzburg

Office Manager, Tax Specialist

Angie keeps the office running smoothly while also managing tax preparation and planning services.

Paul

Paul Ondersma

Registered Representative

Paul works with individuals to manage their savings and investments to maximize risk-adjusted returns, and he specializes in creating financial plans for women.

Jack

Jack Bytwerk

Group Benefits Specialist

Jack works with companies to design and implement employee benefit programs for their team including health, life, disability, dental, vision, legal and identity theft plans.

Chuck

Charles Bush

Benefits Specialist

Chuck analyzes, designs, implements and maintains employee benefit offerings for small to medium size firms with a specific emphasis on direct communication with employees.

Vivian_Square

Vivian Filer-Thomas

Group Benefits Counselor

Vivian specializes in worksite benefits and works with insurance brokers and insurance companies to bring the best enrollment services to their clients.

Contact Us

161 Ottawa Ave. NW, Suite 204
Grand Rapids, MI 49503
Tele 616.774.8555
Fax 616.774.0150
apike@variableconcepts.com

Parking / Building Entrance

Enter the Ellis Parking garage behind the Waters Center from either Pearl Street or Lyon Street. We’ll provide a validation ticket for free parking.

We share a building with Homewood Suites, so you can enter through the main hotel entrance on Ottawa Avenue. The elevator is located on the right-hand side, just past the center staircase. Take it to the 2nd floor and turn right. Our door is on the right, at the end of the hall.