YouR money. Your path.

You don’t want to be sold anything. You don’t want to pay someone to manage your investments when you know you can DIY. You are looking for clear-eyed financial mentorship, personalized guidance, and simple, unbiased investment advice. You can do it yourself. You don’t have to do it alone.

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Our Services

Aptus Financial provides flat-fee financial services focused solely on what is best for our clients.

Financial Planning

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.

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Workplace Wellness

Workplace Wellness

We reduce financial stress in the workplace and help your employees reach their retirement goals.

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Physician Financial Education

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.

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Focused on early-Career Physicians and Other Professionals

Since our inception in 2011, we've worked with hundreds of early-career physicians and other young professionals across the United States via videoconferencing. We've helped people like you think about their goals, manage their cash flows, address contingencies, and invest simply and effectively in their own accounts.

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Core Blog Posts

The Road To DIYing Your Finances

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

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Effective Investing Doesn't Need To Be Complicated

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

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Invest Simply And Wisely Using A Waterfall Of Tax-Efficient Accounts

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

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