Navigating market currents
to preserve lasting wealth
with disciplined strategies.
An Intentional Approach to Wealth
You didn’t build wealth by chance.
But the decisions ahead — retirement, a business exit, a liquidity event — are where carefully built wealth gets mishandled. Not from bad intentions. From fragmented advice, missed coordination, and decisions made without the full picture in view.
That’s what CURRENTS is built for.
Who We Work With
Individuals Approaching or In Retirement
The paycheck stops. The questions multiply. How to turn savings into income, manage taxes across accounts, and make sure the money lasts — these decisions can't wait.
Executives With Concentrated Equity
Significant stock positions require more than a diversification plan. Timing, tax treatment, and coordination across your broader financial picture all play a role.
Business Owners Facing a Sale or Exit
A transaction brings every financial decision into focus at once. We help you get ahead of it — before the closing, not after.
Family Legacy and Wealth Transfer
How wealth is structured, titled, and passed forward is as important as how much there is. We help families get intentional about both.
Inheriting Wealth
An inheritance arrives with both opportunity and complexity. How it's structured, invested, and integrated into your existing plan shapes everything that follows.
The pieces are there. The plan that connects them usually isn't.
Families with significant wealth have a portfolio. A CPA. Maybe an estate attorney. But most still can’t answer a simple question: what is my financial strategy for this year, and why? If that gives you pause, you’re not alone.
Investments, taxes, income, and legacy planning don’t exist in isolation. When they’re not coordinated, decisions made in one area quietly undermine the others. Most advisors manage a piece of it. We connect all of it into a clear, coordinated strategy so you can answer “what” and “why” with confidence.
Tax-First Thinking
Every investment decision carries a tax consequence. We evaluate both across accounts, across timing, and across your broader plan before anything is executed.
One Page. One Direction.
Every client has one living strategy document that captures what we’re focused on this year and why. Simple enough to share with your family. Comprehensive enough to coordinate everything behind it.
Insight Before Action
Before recommending anything, we need to understand your complete picture including the decisions already in motion. Strategy without context is just advice.
Planning for Key Financial Decisions
Meet Nate Willardson, CFP®
founder of CURRENTS Wealth Strategies.
With extensive experience at a leading global private bank, I’ve worked closely with high-achieving individuals and families to build and preserve multi-generational wealth.
Now, I’ve created CURRENTS Wealth Strategies specifically for those preparing for or are in retirement who want a more intentional, holistic approach—one that goes beyond traditional portfolio management to integrate your values, vision, and life priorities.
We focus on turning your unique definition of success into lasting impact.
Strategy that goes beyond the portfolio
CURRENTS manages investment portfolios with institutional rigor. That's the foundation. What surrounds it is what makes the difference: a coordinated strategy across taxes, income, estate, and structure, built around a single clear direction for the year ahead.
Schedule your free consultation today and take the first step toward achieving your financial goals.
Institutional Investment Management
Your portfolio is managed with the discipline and precision that high-net-worth situations require. Tax-aware positioning, asset location, and rigorous ongoing oversight.
Coordination Across All Pieces
Investments, income, estate structure, and tax planning all inform each other. When they're not connected, decisions made in one area quietly undermine the others.
Dedicated Tax Strategy
We meet formally each Spring and Fall to review and identify opportunities. And we're in communication proactively throughout the year, not just at scheduled check-ins.
One Page. One Direction.
There may be hundreds of pages of supporting analysis behind your plan. What you see is one clean, focused strategy document. Updated as your situation evolves, easy to understand, and built to keep everyone aligned on what matters most right now.
We'd love to meet you.
We’ll talk through where you are, what decisions you’re facing, and whether CURRENTS is the right fit for your situation.
Schedule a 30-minute discovery call to discuss your goals and planning considerations.
