Calculated Wealth
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Calculated Wealth serves individual and high‑net-worth clients as well as small businesses, offering discretionary investment management and comprehensive financial planning that covers retirement, tax, estate, business, insurance, and cash‑flow matters. Clients receive a written or electronic financial plan and ongoing portfolio supervision tied to an individualized investment policy statement.
The firm primarily employs passive, asset‑allocation-driven portfolios built with index mutual funds and ETFs, while also providing tactical asset‑allocation strategies that rely on third‑party quantitative models and trend‑following analysis. Calculated Wealth implements portfolios on a discretionary basis, accommodates reasonable client‑imposed restrictions, and conducts periodic reviews and rebalancing in line with each client’s objectives and risk profile.
Distinctive features for a small, recently founded SEC‑registered adviser include the combination of a low‑cost passive core with systematic, model‑driven tactical strategies and the willingness to implement client‑ or vendor‑provided tactical allocations. The firm discloses it does not accept third‑party compensation, does not vote client proxies (leaving voting to clients), and uses outside quantitative research — operational choices that differ from many peers of similar size.
Client services
Expertise
Fee options
Financial Planning fixed fee ranging from $4,500 to $60,000 (negotiable); annual Comprehensive Financial Planning fee ranging from $10,000 to $60,000 paid monthly or quarterly in advance
$0 - $1,000,000: 1.00% $1,000,001 - $3,000,000: 0.75% Above $3,000,000+: 0.50%
$400 per hour for financial planning
Account minimum: $500,000
Main office
See office2921 Landmark Place, Suite 215 #332
Madison WI 53713-4247
Advisors at this office
2
Offices (2)
Most active in
California · Florida · Minnesota · Ohio · Texas · Wisconsin
Also doing business as
Calculated Wealth · Calculated Wealth LLC · Stillpoint Capital
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Advisors at this firm
Craig R
CFP®, Series 65
Roseville, MN
Calculated Wealth
Craig Ratz is a CFP® and holds a Series 65 license, with five years of industry experience. He has worked at Calculated Wealth LLC since 2023, following roles at Guncheon Financial, LLC and BMO Harris Bank. Calculated Wealth serves individual and high-net-worth clients as well as small businesses, offering discretionary investment management and comprehensive financial planning across multiple areas. The firm primarily utilizes passive, asset-allocation-driven portfolios combined with tactical strategies based on third-party quantitative models and trend-following analysis.
Piotr W
CFP®
Madison, WI
Calculated Wealth
Piotr Wolynski is a CFP® professional at Calculated Wealth with over 11 years of industry experience. He previously worked at BMO Wealth Management and Matter Family Office. Calculated Wealth serves individual and high-net-worth clients as well as small businesses, providing discretionary investment management and comprehensive financial planning. The firm combines low-cost passive portfolios with systematic, model-driven tactical strategies and emphasizes client-specific customization and ongoing portfolio supervision.
Nathan B
PFS™
Madison, WI
Calculated Wealth
Nathan Byers is a financial advisor at Calculated Wealth with a PFS™ credential and seven years of industry experience. His prior work includes roles at Johnson Block and Company Inc. and BMO Harris N.A. He also owns NKB LLC, which provides tax consulting, tax preparation, and financial education through a dedicated website. Calculated Wealth serves individual and high-net-worth clients as well as small businesses, offering discretionary investment management and comprehensive financial planning. The firm primarily uses passive, asset-allocation-driven portfolios supplemented by tactical strategies based on quantitative models and trend analysis.
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