Calculated Wealth

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Client assets under management

$200,778,956

Clients

194

21% high-net worth

Advisors

of 5 employees

Firm type

Supported

1-3 advisors or $200M+ in AUM

Clients per advisor

High

Average account size

$1,034,943

About

Calculated Wealth LLC is an SEC‑registered investment adviser that works with individuals, high‑net‑worth clients, and small businesses to provide financial planning and discretionary portfolio management. Its planning services span business planning, retirement and distribution strategies, tax and estate considerations, insurance reviews, and investment analysis.

The firm primarily constructs strategic, passive portfolios using index funds and ETFs with periodic rebalancing, while also offering a tactical asset allocation option that relies on quantitative, third‑party research and systematic, trend‑following models. It may implement client‑selected software recommendations as part of portfolio construction and uses both fundamental and technical analysis when appropriate.

Distinctive features include a compact advisory team overseeing a substantial asset base and a planning practice that offers both fixed‑fee and hourly engagements, with comprehensive planning integrated into certain managed‑account relationships. Calculated Wealth recommends major custodians for client accounts and leverages external research and technology to support its tactical strategies rather than relying solely on in‑house active management.

Client services

Financial planning Portfolio management

Expertise

Business ownership considerations Cash flow / budgeting College savings (529s, UTMA, etc.) Tax strategies for small businesses

Occupation focus

Founder/Business Owner

Fee options

Fixed

Financial Planning fixed fees ranging from $4,500 to $60,000

Percentage

$0 - $1,000,000: 1.00% annually $1,000,001 - $3,000,000: 0.75% annually Above $3,000,000+: 0.50% annually

Project-based

$400 per hour for financial planning

Other

Account minimum: $500,000 Fee-only: Financial Planning fixed fees ranging from $4,500 to $60,000; hourly rate of $400/hour; Comprehensive Financial Planning annual fee $10,000 to $60,000

Main office location

Calculated Wealth

2921 Landmark Place, Suite 215 #332

Madison WI 53713-4247, United States

Number of offices

Most active in

California · Florida · Minnesota · Ohio · Texas · Wisconsin

Disclosures

Business activities & affiliations

Is not active or affiliated with:

Insurance agent

They sell insurance products and may earn commissions on those sales.

Broker-dealer / trader

They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.

Bank

They're affiliated with a bank that may offer its own financial products and services.

Trust company

They provide trust and estate administration services, typically for separate fees.

Fund sponsor

They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.

Accountant / CPA / tax prep

They offer tax and accounting services, typically for separate fees.

Lawyer

They provide legal services, typically billed separately.

Real estate agent

They facilitate real estate transactions and may earn commissions.

Other specialized services

They may provide services such as pension consulting or municipal advisory work, typically for separate fees.

Forms ADV

Form ADV Part 2: Client Brochure Form ADV Part 3: Client Relationship

Quick links

Website 608-400-4072

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 currently works at Calculated Wealth, where he has been since 2023, following roles at Guncheon Financial and BMO Harris Bank. Calculated Wealth serves individual investors, high-net-worth clients, and small businesses by providing comprehensive financial planning and discretionary portfolio management. The firm combines passive, strategic asset allocation with a tactical quantitative approach, implementing client-specific investment policies on a discretionary basis without accepting third-party compensation.

Business ownership considerations Cash flow / budgeting College savings (529s, UTMA, etc.) Tax strategies for small businesses Founder/Business Owner

Piotr W

CFP®

Madison, WI

Calculated Wealth

Piotr Wolynski is a CFP® professional at Calculated Wealth with six years of prior experience at BMO Wealth Management and Matter Family Office. He has been with Calculated Wealth since 2024 and has one year of industry experience. Calculated Wealth serves individual investors, high-net-worth clients, and small businesses by providing comprehensive financial planning and discretionary portfolio management. The firm combines passive, strategic asset allocation using index funds and ETFs with a tactical approach that employs third-party quantitative models and trend-following assessments.

Business ownership considerations Cash flow / budgeting College savings (529s, UTMA, etc.) Tax strategies for small businesses Founder/Business Owner

Nathan B

PFS™

Madison, WI

Calculated Wealth

Nathan Byers is a financial advisor at Calculated Wealth with six years of industry experience and holds the PFS™ designation. His work history includes roles at Johnson Block and Company Inc., BMO Harris N.A., and JBC Wealth Advisors, LLC. Outside of his advisory work, he is involved in tax preparation and consultation through NKB LLC and serves as a tax supervisor at Johnson Block and Company Inc., as well as providing financial education via a dedicated website. Calculated Wealth serves individual investors, high-net-worth clients, and small businesses by offering comprehensive financial planning and discretionary portfolio management. The firm combines passive, strategic asset allocation with a systematic quantitative/tactical strategy, tailoring portfolios to client-specific investment policies and implementing decisions on a discretionary basis.

Business ownership considerations Cash flow / budgeting College savings (529s, UTMA, etc.) Tax strategies for small businesses Founder/Business Owner

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