Financial Planning
We provide flat-fee, advice-only, unbiased financial planning that addresses your unique needs and goals. We help you self-manage your investments, simply and effectively.
Workplace Wellness
We reduce financial stress in the workplace and help your employees reach their retirement goals.
Physician Financial Education
We speak at conferences, events and on podcasts to help doctors and other young professionals pay off student debt, create a financial plan, and invest tax-efficiently so they can focus on their lives and careers.
The Road To DIYing Your Finances
Since 2011 Aptus has been on a journey with hundreds of clients who’ve taken on the challenge of self-managing their investments. Our clients recognize that there’s never been a better time to be a DIY investor. They inspire their friends and colleagues to take the leap of faith. They pass along articles and share websites. They tell their family to be on guard for what advisors are selling. They realize that even as busy as they are, they can’t afford to completely outsource their investments. They do it themselves and they know you can too.
March 16, 2023
Effective Investing Doesn't Need To Be Complicated
One of our core philosophies at Aptus is “simplicity beats complexity.” We believe simplicity beats complexity in many facets of life, including investments. We encourage our clients to capture broad market returns across a range of asset classes utilizing low-fee index funds. Target-date index funds are appropriate for most people. Target-risk index funds might work better for folks who need static allocations. Others will want to fine-tune and optimize with individual index funds.
March 16, 2023
Invest Simply And Wisely Using A Waterfall Of Tax-Efficient Accounts
As we highlight in our Hierarchy of Financial Needs, your retirement outcome is more likely to be determined by your savings rate than it is to be driven by clever stock picking or crafty asset allocation decisions. The first step in investing, then, is to determine how much you can save. The next step is following a tax efficient waterfall. The last, and probably the easiest, step in investing is buying an appropriate mix of stocks, bonds and others assets.
March 16, 2023