About Northern Financial Management

Steve Schade
Branch Manager and Investment Advisor Representative


After attending flight school, Steve pursued a degree in business at Northern Michigan University. He enjoyed a ten year career in sales before moving to Traverse City in 1996 with his wife Bev, and their four children.

Before becoming a partner at Northern Financial Management, Steve was employed for twelve years as senior financial advisor with JP Morgan Chase.

Steve likes spending time with his family, being outdoors, and especially quality time with his grandkids.

Dave Graf
Investment Advisor Representative


Dave earned his degree in economics from Denison University.  He’s also a National Outdoor Leadership School (NOLS) graduate.  After Denison he joined Playmakers in Okemos, MI, one of the premier running stores in the US.  In 2003 he decided to pursue his interest in investing and financial planning and joined Mass Mutual’s East Lansing office.  In 2009 Dave moved from East Lansing to Traverse City with his wife, Nicole, daughter, Natalie and son, Jake.  In 2017 Dave joined Northern Financial.  Dave enjoys playing outdoors; especially coaching soccer, running, boating, riding bikes, and watching his kids play soccer.

David Beauchamp, CFP


Dave started in the financial services industry with us in 1989, and has taught financial seminars at Northwestern Michigan College since 1994. He has a B.A. in Financial Administration from Michigan State University and holds the Certified Financial Planner™ designation (CFP™).

Dave focuses on all areas of financial planning and personal protection. He works with a diverse group of individuals and small businesses including federal, postal and school employees with a focus on maximizing their pensions. In addition, Dave is an authorized agent for Blue Cross and Blue Shield of Michigan and is responsible for all group insurance for the agency.

Dave is a member of the Financial Services Institute (FSI) in Washington, D.C. . FSI advocates for Main Street Americans’ access to unbiased, affordable financial advice, delivered by a growing network of over 35,000 independent financial advisor members.

When not in the office, Dave enjoys cooking, downhill skiing, spending time at the beach and being a soccer dad.

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Northern Financial