Nate Byers, CPA/PFS
Founder and Fee-Only Retirement Financial Advisor in Madison, Wisconsin
Nate Byers, CPA/PFS, is the founder and lead financial advisor at Calculated Wealth, a fee-only fiduciary retirement-planning firm headquartered in Madison, Wisconsin. He helps people approaching or living in retirement coordinate investments, retirement income, taxes, and other major financial decisions.
Who Nate Helps
People Nearing Retirement
Recently Retired Households
Individuals Navigating Retirement Income, Tax Decisions, or Portfolio Changes
People Seeking A Second Opinion After an Unsatisfying Advisory Experience
Why Nate Is Qualified
Nate brings 10 years of public accounting experience and a deep background in tax to his work helping families navigate their complete financial picture. Since 2015, he has focused on holistic financial planning, combining his CPA and PFS credentials with extensive industry education and mentorship from leading experts. His ongoing commitment to learning allows him to bring thoughtful, well-rounded guidance to families as they build and manage their wealth.
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EXPERIENCE
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How Nate Helps
Nate takes a holistic approach to retirement planning and wealth management, helping families make informed decisions before and during retirement. He provides guidance on retirement and income planning, develops tax-aware strategies, manages investments with long-term goals in mind, and coordinates with CPAs, attorneys, and other professionals. By bringing these pieces together, Nate helps create a cohesive financial strategy designed to support both today’s needs and tomorrow’s goals.
How to Work With Calculated Wealth
Option 1
Retirement Transition Package
A flat-fee planning-first engagement for people who want clarity before deciding on a long-term advisory relationship.
Option 2
Full-Service Wealth Management
An ongoing planning and investment management relationship for households seeking continuous guidance and implementation.
What Nate Believes
Retirement planning requires a different approach than simply accumulating wealth. Nate provides practical advice and clear explanations to help families understand how their investments and financial plan work together. From building sustainable retirement income to managing investments around changing goals, he focuses on turning complex financial decisions into a clear, actionable strategy.
Insights & Articles
Frequently Asked Questions
Who is Nate Byers?
Nate Byers, CPA/PFS, is the founder and lead financial advisor at Calculated Wealth. He specializes in fee-only fiduciary retirement planning for people approaching or living in retirement.
Does Nate Byers specialize in retirement planning?
Yes. Nate focuses on helping people nearing or living in retirement make decisions about retirement income, tax planning, investment management, and other important financial choices.
Is Nate Byers a fee-only advisor?
Yes. Nate is compensated directly by clients for advisory services and does not receive commissions or product-based compensation.
Is Calculated Wealth a fiduciary?
Calculated Wealth is a registered investment adviser and provides advice under a fiduciary standard of care.
Does Nate work with clients in Madison in person or virtually?
Yes. Nate works with clients in Madison, Wisconsin and also meets virtually with clients who prefer online meetings.
What is a CPA/PFS credential?
CPA/PFS stands for Certified Public Accountant / Personal Financial Specialist. It is a professional credential for CPAs with advanced expertise in personal financial planning.