Probitas Planning & Wealth
Find Your Path to Financial Independence
As an independent advisory firm, Probitas Planning & Wealth puts clients at the center of every decision. We simplify a complex financial world with holistic planning that connects investments and risk awareness to what matters most to you.
Our focus is straightforward: clear guidance that supports your path toward long-term independence.
Ready to talk through your financial picture? Schedule a conversation with our team and let’s explore what long-term independence could look like for you.
Hard work built your wealth. Intentional planning gives it direction.
Services
Find Your Financial Independence
Retirement Income Planning
For most of your working life, the focus is accumulation. Retirement changes that equation.
Retirement income planning identifies which accounts to draw from, in what sequence, and how Social Security and pensions fit alongside them. The goal is income you understand and can plan your life around.
Estate and Legacy Planning
Estate planning can be uncomfortable because it asks you to think about circumstances nobody wants to picture. It is also an important part of making sure your financial decisions reflect your wishes.
We help coordinate the financial pieces of your estate plan so your intentions are clearly represented.
Investment Management
A portfolio is a means to an end, and that end is different for every household. Two people with similar balances can need very different approaches depending on their income needs, time horizon, and tolerance for volatility.
We assign a role to each part of your portfolio, then manage it as conditions and circumstances change.
Tax Planning
Taxes affect almost every decision in a financial plan. Which account you draw from, whether you convert, how you give, and what your heirs receive can all carry tax implications.
We plan for tax efficiency as part of the broader strategy rather than reacting once the year has already closed and options have narrowed.
Healthcare Planning
Medical costs can arrive at inconvenient moments and pull from accounts that were intended for something else.
Healthcare planning considers Medicare decisions, coverage gaps, and the possibility of extended care, then incorporates those costs into your income plan so a health event does not require an entirely different financial strategy.
Insurance and Annuity Solutions
Insurance and annuities can serve different purposes within a financial plan. Rather than beginning with a product, we begin with the need and consider whether a particular solution addresses it.
We look at how it works, what it costs, and how it fits alongside the rest of your plan.
Plan With Clarity, Not Guesswork
Financial independence looks different for everyone. Let’s talk through your priorities and build a strategy that connects every part of your financial life.
Our Mission
First and foremost, we are fiduciaries. That means your needs guide every recommendation. Our mission is to challenge the status quo with thoughtful planning, clear communication, and a coordinated team in estate, tax, and wealth planning, all working together under one roof.
Our Vision
We envision a more human financial industry where independent advice, real partnership, and intentional planning replace one-size approaches. We want to work with people who value clarity, collaboration, and a long-term view of what their money is meant to support and provide.
Our Process
Our process is designed to connect the moving parts of your financial life. We start with discovery, build an intentional strategy that fits your priorities. As we move forward, we stay involved through regular reviews so your approach remains aligned as life changes.
Latest Articles
Read updates that offer clear perspective and useful takeaways for moving forward. Each piece is meant to help you stay oriented, sort through change, and keep your plan aligned with what matters to you.
Planning Retirement Beyond Your Investment Portfolio
Building a successful retirement involves much more than growing your investment portfolio. While savings and investment performance play an important role, they represent just one part of the broader planning...
The New Retiree: Living with Purpose, Not Just a Paycheck
Retirement was once viewed as the final stage of a career—a time to step away from work and enjoy the years ahead. Today, many retirees see it differently. With longer...
Creating a Lasting Legacy: Strategies for First-Generation Wealth Building
Strategies to Manage and Grow Your Assets for the Next Generation If you have a desire to build wealth from the ground up for yourself and your loved ones, then...
Investing Fundamentals: Building Wealth for the Future
Learn the Fundamentals to Develop a Comprehensive Approach Effective financial planning and management can play a role in wealth building. A solid wealth-building strategy can help you prepare for potential...