Madison, WI Office

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.