Michael Cayen, CRC®

Michael Cayen, CRC®

Certified Retirement Counselor® and Financial Advisor

Michael Cayen very much enjoys his career as a financial advisor. He sees many clients that are very busy with their careers, families, and social life and do not have time or the knowledge to get through the financial maze. Mr. Cayen takes great pride in helping people, either by reaching a certain financial goal, educating them, or helping them plan for a comfortable retirement. Michael learned from his parents growing up to always be a hard worker, and is constantly doing his best to provide a great experience for his clients. He follows some simple but vital business principles including always putting his clients interest first, disclosing all fees, doing the right thing for his clients and returning phone calls promptly.

Michael graduated from Michigan State University with a Bachelor of Arts degree in 1993. He started working at M3 Investment Services in 1998, soon after the firm was started. He holds Series 6, 63, 65, and Insurance licenses, and is currently working as a Certified Retirement Counselor®. Michael belongs to NTSA (National Tax-Deferred Savings Association) and Financial Service Institute, and received the NTSA Elite Advisor Award* in 2017.

Michael has been married for 12 years to his loving wife, Kristen, and has 2 daughters, 7-year-old Morgan and 5-year-old Taylor. He enjoys playing many sports like basketball, tennis and golf that help him keep in shape.


The NTSA Elite Advisor Award is an annual member recognition program that has been established to honor advisors who have helped shape best practices in serving clients in the 403(b) and/or 457 retirement industry, as well as to acknowledge their specific accomplishments and/or contributions. The NTSA Elite Advisor Award recognizes the very best advisor members of NTSA who have done the most to help individual plan participants accumulate assets for retirement. The focus is on advisor best practices for advocacy, leadership, practice management and legacy within the 403(b) and/or 457 retirement industry, directly impacting the ability for Americans to build a successful retirement, especially through retirement plans. In addition, the NTSA Elite Advisor Award proclaims to the industry, to the federal, state and local legislatures, and to the public that the NTSA and its advisors — as trained, experienced professionals — are critical to helping Americans in the non-profit sector achieve individual retirement security. 

Awards are not indicative of future performance. Working with an award winner is no guarantee of future financial success. Individuals should conduct their own evaluation.