The courage to live
your life.
Sometimes the missing piece isn’t more money. It’s knowing whether what you have actually gets you where you want to go.
Fiduciary retirement planning
The Virtus Effect
Improvement has a name.
When the separate pieces of your financial life start working together, your life can change too. And as your life changes, your plan should grow with you.
Your wealth should be determined by the quality of your life, not the size of your bank account.
Same balance. Different life. That’s not luck. That’s the Virtus Effect.
See the Effect in motionTwo people can hold the same number and live completely different retirements.
Without
The same balance
$2.4M
- You know what you have, but not what you can actually do with it.
- Big decisions still come with second-guessing.
- When markets move, your confidence moves with them.
With
The same balance
$2.4M
- You understand what your money actually allows you to do.
- Big decisions come with clarity instead of second-guessing.
- When markets move, your life doesn’t have to move with them.
Same amount of money. Completely different retirements. The difference is the plan.
See how a plan is builtThe two panels above illustrate what planning changes about the same balance. They are not a forecast, a performance figure, or any client's results.
One hour. You do the talking.
No cost. No obligation.
Who we are
Personal by design. Bigger where it matters.
You know the people working on your plan, and they know you. But the team around you goes much further. Through our partners, we bring investment management, technology, research, and specialized resources to the table.
Think of it as a family office feel, built for mom and pop on Main Street.
At the table
An independent RIA built around your interests. We’re the people across the table who know you, build the plan, and bring all the pieces together.
Investments
Gives you access to a deeper bench of investment research, technology, and resources. You work with us, with the resources of Brookstone behind you.
Insurance
Expands what we’re able to bring to you, from insurance and advanced planning to the experience you have as a client. You work with us, with a much bigger team behind us.
What the plan is for
The families thriving in retirement were never the ones with the tidiest spreadsheet. They were the ones free to spend real time, and real money, with the people they loved.
Tyler Wrezinski & Andrew Hall, CPA · Co-Founders
The workbench
Nine free tools
Descriptive only. Each one adds up the numbers you give it and shows you today. Nothing here projects, forecasts, or advises.
- Social Security Claiming ExplorerWhen should you start Social Security?
- Income Floor CalculatorWill your checks cover your bills?
- Tax-Bracket MapperHow much federal tax, and what does your next dollar pay?
The guides
Twelve free guides
The worksheets and primers we hand across the table.
- The Possibility Planner: A Retirement StarterWhat your money needs to do so you can actually use it.
- The Federal Retirement Decision GuideHow your pension, survivor election, Social Security, TSP, health coverage, life insurance, and taxes fit together.
- The Retirement Tax Traps ChecklistEight checks to run while the choice is still yours.
Start reading
The ideas behind the plan
The Income FloorRead the article
Sequence of ReturnsRead the article
The New ScoreboardRead the article
Tax Preparation vs. Tax PlanningRead the article
Four Federal Retirement Decisions to Understand Before You RetireRead the article
The Roth Conversion WindowRead the article
The latest essays
Who we serve
About five years from retirement or already there.
You’ve spent decades building your savings. Now the questions are changing.
Can we retire? What can we spend? How do taxes fit in? What happens when the market falls? Can we help our kids? Are we actually using this money to live the life we worked for?
That’s who we built Virtus for.
Federal Employees
You have a retirement system with its own rules, decisions, and opportunities. We’ve spent years helping federal employees put those pieces together.
See how this worksReady to Retire
You’ve done a good job saving. Now you need to turn what you’ve built into income, decisions, experiences, and a life you’re comfortable actually living.
Already Retired
You’ve made the transition, but the planning didn’t stop. Spending, taxes, investments, family, legacy, and life keep changing. Your plan should too.
One hour. You do the talking.
If you're within five years of retirement or already there, this is a chance to put everything on the table. What you've built. What you're worried about. And what you actually want this next part of your life to look like.
Just a conversation about where you are, where you want to go, and whether we can help connect the two.
For those within five years of retirement or already there, with $1 million or more set aside. No cost. No obligation.