Nate Byers, CPA/PFS – Lead Advisor & Founder

Nate spent the first ten years of his career in public accounting, where he developed his deep background in tax. He leveraged this experience to help families with their holistic financial picture since 2015. He’s spent thousands of hours studying and seeking mentorship from the industry’s top experts to confidently partner with motivated families on their wealth plans.

Outside of work, he loves getting outside with his wife Krystal and two sons (Brody & Kaden). He often shares snippets of their adventures through his client-only newsletter. He’s a huge nerd for personal development and health and wellness topics.

EXPERIENCE

• Public Accounting, where I developed a deep tax and tax planning background.
  • Worked closely with business owners and real estate entrepreneurs looking to keep more of what they earned.
  • Developed my wealth planning process for retirees looking to keep more of their nest eggs.
• Private Bank Wealth Management, where I consulted on hundreds of wealth planning engagements for high-net-worth and ultra-high-net-worth families.
  • Worked with business owners to navigate the complexities of life after ownership.
  • Solidified the one page retirement roadmap.

Craig Ratz, CFP™ – Lead Advisor

Craig is a Lead Advisor at Calculated Wealth with over 20 years of industry experience. Craig takes a comprehensive, full balance sheet approach that helps successful families take action on what’s important to drive exceptional outcomes today and through times of transition.

Outside of work, he loves getting outside and traveling with his wife Kari, and finding opportunities to spend time with his three adult children.

EXPERIENCE

• Recovering chemical engineer.
• Private Bank Wealth Management, where I consulted on hundreds of wealth planning engagements for high-net-worth and ultra-high-net-worth families.

Kingston Hollman – Compliance Consultant

Kingston supports Calculated Wealth as the Assistant Compliance Officer. Kingston is actively involved in his local church, community, and enjoys spending time with family. Kingston honorably served four years in the U.S. Air Force. He graduated from Elmhurst University with a bachelor’s in finance and MBA.

Outside of work, he enjoys taking advantage of the abundance of activities that St. Paul, MN has to offer.

As a registered investment advisor, we are held to the fiduciary standard of care. We are legally and ethically required to act in your best interest when providing personal financial advice. To provide transparency and avoid conflicts of interest, we do not receive compensation from the sale of investment or insurance products. The fee you pay is for the value we expect to deliver. All financial recommendations are tailored to fit your personal objectives and values.