Calculated Wealth
5.0 stars · 1 review · Serves Nationwide · Specializes in Pre-Retirees (5-10 years out), Retirees
Everything we do—from planning to investing—is focused on helping pre‑retirees and retirees confidently navigate the retirement transition and create a dependable retirement income plan.
Services
- 401(k) & IRA Management
- Asset Allocation
- Business Succession Planning
- Cash Flow Management
- Charitable Giving
- Estate Planning
- Family Wealth Transfer
- Financial Planning
- Investment Management
- Life Transition Planning
- Philanthropic Planning
- Portfolio Management
- Portfolio Rebalancing
- Retirement Planning
- Social Security Planning
- Tax Planning & Strategy
- Wealth Management
Pricing
- Retirement Transition Package — $3,800 one-time
- Full Service Wealth Management — 0.5%–1% of AUM
Reviews
Deric Bownds
5 stars
2026-03-02T14:58:33.833+00:00
I have followed the arc of of Nate’s professional career over the past 10 years, from the period when he was preparing my family’s trust tax returns as an employee of a CPA firm, through his period managing high net worth portfolios for an investment bank in Madison, Wisconsin, and then establishing his own firm. Throughout that period he has exhibited a clarity, maturity, and poise that I would have expected only from someone with a much longer professional history. He first advised me on my own management of family and personal trust assets, as I transitioned from my own more erratic and emotional approach towards using the quantitative tactical asset analysis techniques he employs. Several years ago I completely transferred management of my assets and estate arrangements to him. Other members of my family have made similar decisions, so that he now has a balanced overview of the interests of everyone. It has been a pleasure to work with him, and I recommend his services without any reservations.
Frequently asked questions
- Who is your typical client?
- Our typical client has saved $500,000 - $10,000,000 towards their retirement. They often have a mix of assets in various accounts that need help simplifying and converting into a retirement paycheck. They also see value in tax and legacy planning. Why such a large range of savings? Because families within that band have similar needs and wants from their nest egg. We have extensive experience working with clients above that range, but we find families outside of that range aren't "typical."
- How do we discover if we’re a good fit for each other?
- Before becoming a client, we take you through our complimentary partnership discovery process before you pay us a single dollar or trust us with a nickel of your nest egg. This process is designed to walk through your current financial situation and assess what actions you should consider taking. It allows you to learn how we think, and it allows us to discover if we’re a good fit for you. If after those interactions, we see a mutual benefit to engage in an on-going partnership we will take the necessary steps to begin our partnership. Visit calcwealth.com/our-process/ for specific details.
- After we start working together, what happens?
- After we begin our partnership, we take what we learned from our Partnership Discovery Process and put it into action. The initial focus often falls into one of three categories: - Retirement Income – Cash Flow Optimization - Risk Management – Asset Protection - Income Taxes - Retirement Portfolio The order depends on your facts and circumstances
- How do you invest your own money?
- My entire investment portfolio consists of low-cost ETFs, with no individual stocks, bonds, or mutual funds. I believe in a dynamic, globally diversified investment philosophy built on dual momentum and trend following. My goal isn’t to outperform the market; instead, it’s to pursue a greater reliability of outcomes. A copy of my investment statement (values redacted) is available upon request. While this is how I choose to invest my money, some of my clients prefer a more traditional buy-and-hold portfolio, which is similar to what you find at most advisory firms. My number one job is to protect you from running out of money, which includes ensuring you can stick to your investment plan so ultimately together we decide which strategy is best for you to achieve those goals.