Nate Byers, CPA/PFS
Helping families navigate the retirement transition
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Calculated Wealth
Nate Byers, CPA/PFS
Madison, WI
Serving Clients Nationwide
Helping families navigate the retirement transition
5 out of 5 Stars
Jump to Reviews
Areas of Focus
- Estate Planning
- Investment Management
- Retirement Planning
- Retiring Early (F.I.R.E)
- Tax-Smart Distribution Planning
About Nate Byers, CPA/PFS
I built Calculated Wealth around serving families transitioning through or living in retirement. Our focus on the retirement transition is deeply ingrained in our wealth planning process.I spent the first ten years of my career in public accounting, where I developed a deep background in tax. I leveraged this experience to help families navigate life's transitions since 2015. I've spent thousands of hours studying and seeking mentorship from the industry’s top experts to partner with motivated families on their wealth plans confidently.
Outside of work, I love spending time outdoors with my wife, Krystal, and our two sons, Brody and Kaden.
Professional Designations
- Certified Public Accountant (CPA)
- Personal Financial Specialist (PFS)
Affiliations
-
AICPA Personal Financial Planning (PFP)
- American Institute of CPAs
Primary Location
2921 Landmark Place, Suite 215-332 Madison, WI 53713-4247
Meeting Options
- Video Conference
- In-Person
- Phone
Compensation Methods
- Flat Fee
- Percentage of Assets Managed
What to expect in the first meeting
Click the "Book Intro Call" button above to schedule a complimentary introductory call. No need to bring anything to our initial call. Let’s spend 20 minutes getting to know each other and determine if a planning-only or full-service partnership is the best fit. If I’m not a good fit for you, I promise to help direct you to someone who is. I look forward to speaking with you.Offers Investment Management
Yes
About Calculated Wealth
We partner with motivated individuals and their families to facilitate financial stewardship.We work well with families managing closely held assets, successful first and second-generation business owners, professional real estate owners, and families with multi-generational and charitable planning goals.
We’ve intentionally designed Calculated Wealth with a boutique approach. Most advisory firms are obsessed with scale, stretching the advisor’s attention between 100+ families per advisor.
Instead, we prioritize deep connection, which requires intentionally limiting our partnerships to nice and deliberate families focused on the future.
Education
University of Wisconsin-Whitewater, MBA, Finance; B.A., Accounting
Volunteer Experience
Actively coaching youth sports for my two sons.
Hobbies and Interests
- Baseball
- Boating
- Cycling
- Eating Out
- Exercising
- Family
- Golf
- Sports
- Working Out
SEC Lookup
View DisclosureWho We Serve
- Baby Boomers
- Business Owners
- Corporate Executives
- DIY Investors
- Engineers
- Living in Retirement
- Physicians
- Sales Professionals
- Single Women
- Widow
- Women in Transition
To make Wealthtender free for readers, we earn a nominal monthly fee from financial advisors and firms in exchange for marketing services (including being featured on this profile page), subject to terms of use. This compensation creates a natural conflict of interest when we favor their promotion over others. Wealthtender is not a client of these advisors or firms. Testimonials may not be representative of other clients’ experiences and do not guarantee future performance or success.
Write a Review
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Investment Tax Planning
✅ Wealthtender Certified Advisor Review™
May 20, 2025
Nate uses his expert knowledge of both taxes and investments to provide strategies to provide for income in retirement that were tax efficient now as well as logical in the long run as many of my assets will be left to the next generation. Although I have a background as well in this field, his strong tax expertise helped my husband and I balance out our current income goals with our future transfer of assets to our children.
Relationship to Financial Advisor: Client as of May 20, 2025
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Thanks
✅ Wealthtender Certified Advisor Review™
May 5, 2025
Nate was a great in helping me with my questions and ideas in the strategy’s I was investing in. Im more confident and clear in the direction I’m investing. If you’re looking for a advisor that’s open to more strategy’s than buy and hold and using tactical strategies give Nate a call.
Relationship to Financial Advisor: Client as of May 5, 2025
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Great communication and follow through
✅ Wealthtender Certified Advisor Review™
Apr 30, 2025
Nate is a great communicator and always follows through on his promises. I take great comfort knowing that I have him watching out for me and is always willing to talk when I have a question.
Relationship to Financial Advisor: Client as of Apr 30, 2025
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: This client is related to the advisor, which may present a conflict of interest.
A very positive review of Nate Byers and his firm Calculated Wealth, LLC
✅ Wealthtender Certified Advisor Review™
Apr 30, 2025
I have followed the arc of of Nate’s professional career over the past 10 years, from the period when he was preparing my family’s trust tax returns as an employee of a CPA firm, through his period managing high net worth portfolios for an investment bank in Madison, Wisconsin, and then establishing his own firm. Throughout that period he has exhibited a clarity, maturity, and poise that I would have expected only from someone with a much longer professional history. He first advised me on my own management of family and personal trust assets, as I transitioned from my own more erratic and emotional approach towards using the quantitative tactical asset analysis techniques he employs. Several years ago I completely transferred management of my assets and estate arrangements to him. Other members of my family have made similar decisions, so that he now has a balanced overview of the interests of everyone. It has been a pleasure to work with him, and I recommend his services without any reservations.
Relationship to Financial Advisor: Client as of Apr 30, 2025
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
excellent service and performance
✅ Wealthtender Certified Advisor Review™
Apr 29, 2025
I found Nate Byers to be very personable, attentive and easy to work with. The fund has had excellent results in these chaotic times.
Relationship to Financial Advisor: Client as of Apr 29, 2025
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
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Who is Nate Byers and what does he do?
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FAQs
Who is Nate Byers and what does he do?
Nate Byers, CPA/PFS, is more than a financial advisor—he's a husband, father, and the Founder of Calculated Wealth. His mission is to help families navigate life's biggest financial transitions with confidence and clarity. As a CPA with deep tax expertise and years of wealth management experience, Nate empowers motivated families to make calculated financial decisions that align with their values and secure their future. Learn more about Nate
Why does Calculated Wealth take a "boutique approach" to wealth management?
Because your financial life deserves more than a cookie-cutter solution. Most advisory firms are obsessed with scale, stretching advisors across 100+ families. We've intentionally designed Calculated Wealth differently—we limit our partnerships to ensure deep connections and concierge-level service. This allows us to truly understand your complete financial picture and serve as your financial quarterback, coordinating all the moving pieces so you can focus on what matters most in your life. Discover our first step in building deep connection.
Where is Calculated Wealth located, and who do they serve?
Calculated Wealth is headquartered in Madison, Wisconsin. We proudly serve motivated families nationwide who are navigating retirement transitions, inheritance, business sales, or other major life changes. Thanks to virtual planning capabilities, we partner with deliberate families across the country who value professional partnerships and want a trusted advisor to guide them through life's financial complexities. Contact us.
Is Calculated Wealth a good fit for families approaching retirement?
Absolutely. As specialists in retirement transition planning, we understand the unique challenges of moving from accumulation to distribution. We know the anxiety around sequence of returns risk, tax planning in retirement, and creating sustainable withdrawal strategies. Our team helps families stress-test their plans through multiple scenarios, establish safe withdrawal rates, and coordinate Social Security, tax, and estate planning strategies to ensure a confident retirement transition. The Four Core Retirement Planning Principles
Can Calculated Wealth help with business exit planning strategy?
Yes. We work with business owners to plan their transition years before the exit, helping create tax-efficient strategies and purposeful use of new liquidity. As a CPA financial planner, Nate coordinates with your existing tax and legal professionals to ensure your business sale supports your ideal retirement. We help you avoid the common regret many business owners face by designing your next chapter with intention, ensuring your transition funds the retirement you've always envisioned. Learn more about our team.
Can Calculated Wealth help both spouses feel confident about their finances?
Absolutely, and it's essential to our planning process. We believe both partners must be engaged, heard, and aligned for effective wealth management. Our collaborative approach ensures both spouses understand the strategy, feel comfortable with the plan, and are prepared for all scenarios—including what happens if one spouse becomes unable to manage finances. We help couples align their retirement goals and create clarity around their financial future.
How can Calculated Wealth help me save on taxes through retirement planning?
We take a comprehensive approach to tax planning by coordinating your investment strategy with your retirement distribution plan. This includes analyzing Roth conversion opportunities, managing tax brackets in retirement, optimizing Social Security claiming strategies, and coordinating with your CPA on year-end tax planning. By serving as your financial quarterback, we ensure all your tax strategies work together toward your retirement goals. How Tax Planning Changes Through Retirement
Are there reviews for Calculated Wealth?
Yes! We have received excellent client reviews highlighting our communication, follow-through, and investment performance. Our clients appreciate our personalized approach, tax expertise, and the peace of mind that comes from having a trusted advisor who knows their complete financial picture. Read our client reviews to see why families choose to partner with us for their retirement transitions. Read our client reviews
Do I need a certain amount of assets to work with Calculated Wealth?
We offer two pathways to work with us. Our Retirement Transition Package is a flat-fee, financial planning-only service regardless of asset size, perfect for families who want focused retirement planning. Our Full-Service Wealth Management is designed for families who want ongoing investment management and comprehensive planning. During our discovery process, we'll help you determine which option best fits your situation and goals. Learn more about our packages.
How do I get started working with Calculated Wealth?
It begins with our complimentary Partnership Discovery Process—a no-pressure conversation to determine if we're a good fit for each other. We start with a 30-minute phone or virtual call to understand your situation and see if it matches our expertise. If there's mutual interest, we'll guide you through our complete discovery process, including creating your personalized Asset Map. Only after you fully understand how we can help do we discuss moving forward with an engagement. Schedule your discovery call
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