Calculated Wealth
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.
0
Client Reviews
0.5% to 1%
Percentage of Assets (AUM)
$0
Minimum Annual Income
$600K
Minimum Investible Assets
Meet The Team Behind Calculated Wealth
Nate Byers, CPA/PFS
Helping retirees turn a lifetime of saving into a confident retirement plan
You did the hard part: you saved, invested, and lived below your means.
Now the game changes.
Together, we build a clear, repeatable retirement plan—cash flow, taxes, and investments—that lets you spend with confidence and stop second‑guessing every decision.
Now the game changes.
Together, we build a clear, repeatable retirement plan—cash flow, taxes, and investments—that lets you spend with confidence and stop second‑guessing every decision.
Are You Our Ideal Client?
We work best with people & businesses that fall into these categories.
Financial Requirements
Minimum Investible Assets
$600,000
Minimum Annual Income
N/A
Specialties We Work With
Services We Offer
✔ 401(k) & IRA Management
✔ Cash Flow Planning
✔ Estate Planning
✔ Financial Planning
✔ Life Transition Planning
✔ Portfolio Management
✔ Social Security Planning
✔ Wealth Management
✔ Charitable Giving
✔ Philanthropic Planning
✔ Portfolio Rebalancing
✔ Retirement Planning
✔ Tax Strategy
✔ Investment Management
✔ Asset Allocation
✔ Business Succession Planning
✔ Family Wealth Transfer
Our Ideal Client Profile
You’ve saved diligently, lived within your means, and now retirement is getting real. You want a partner to help you navigate the next chapter and make good decisions with what you’ve already built.
Most clients are nearing retirement or recently retired, have meaningful savings in 401(k)s, IRAs, and brokerage accounts, and want their investments, taxes, and estate planning to finally work together instead of in silos.
Most clients are nearing retirement or recently retired, have meaningful savings in 401(k)s, IRAs, and brokerage accounts, and want their investments, taxes, and estate planning to finally work together instead of in silos.
We're Probably Not A Good Fit If
✗ We’re not a match if you’re chasing hot investments, market predictions, or prefer quick answers over thoughtful planning. We focus on diligent savers nearing or in retirement who want a collaborative partner to help them make good decisions with what they’ve already built.
How We Work
1
Introductory Phone Meeting
Before committing your time or ours, this 20-minute phone call will allow us both to make sure your situation matches our expertise.
2
Plan Collaboration Meeting
Together we will build a preliminary plan—a chance for you to see how we think and assess if we’re a good fit to deliver the value you need.
3
Think it over
Take your time before deciding, ask: Do I trust CW? Will CW's value exceed cost? Does CW's approach make sense? Do CW's recommendations fit your needs?
4
Get started Meeting/Paperwork
During this meeting, we will answer any questions you have and if you are ready, start the paperwork to begin our partnership.
Transparent Pricing
Full Service Wealth Management
0.5% to 1% Percentage of Assets (AUM)
Ideal for those seeking a true full-service partnership—combining financial, tax, estate, risk planning, and investment management in one comprehensive relationship
Retirement Transition Package
$3,800 - $3,800 One-Time Financial Planning Fee
Ideal for families preparing for retirement who want to start with financial planning before full wealth management. A 3‑month bootcamp with support and follow‑up access for up to a year.
Frequently Asked Questions
Get answers to the most common questions about Calculated Wealth
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."
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.
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.
What if our fee exceeds the value you’re receiving?
If at any time you perceive the value that you’re receiving doesn’t exceed the price you’re paying, I will refund your last payment and we can part ways as friends. This is true whether we’re working in an advice-only arrangement or a full-service wealth management setting.
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.
- 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.
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.
About Calculated Wealth
Calculated Wealth partners with motivated individuals and their families to navigate life’s biggest financial transitions—especially retirement and business sales.
We’ve intentionally built a boutique firm instead of a volume practice. Most advisory firms chase scale, stretching each advisor across 100+ families; we’d rather know fewer families really well.
That means prioritizing deep connection and intentionally limiting our partnerships to kind, thoughtful, and future‑focused families who want to be deliberate with the money they’ve worked hard to build.
We’ve intentionally built a boutique firm instead of a volume practice. Most advisory firms chase scale, stretching each advisor across 100+ families; we’d rather know fewer families really well.
That means prioritizing deep connection and intentionally limiting our partnerships to kind, thoughtful, and future‑focused families who want to be deliberate with the money they’ve worked hard to build.
Schedule an Introductory Call
Before committing your time or ours, this 30-minute phone call will allow us both to make sure your situation matches our expertise.
Disclaimer
Sam’s List is a platform that connects users with independent financial professionals, including accountants, bookkeepers, fractional CFOs, and financial advisors. Sam’s List does not provide, endorse, or guarantee any financial, accounting, or investment services. Some professionals on this platform participate in paid programs for additional visibility or leads. Users are responsible for conducting their own due diligence before engaging with any professional. Learn more in ourTerms of Service.
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