Financial planning for the years that matter most.
As seen on:
An Intentional Approach to Wealth
You didn’t build wealth by chance. The decisions ahead deserve the same intention.
CURRENTS offers:
- Full-service financial planning and investment management
- Tax planning
- Concentrated equity strategy
- Business exit planning
- Estate & legacy management
- Confident retirement strategy
Who We Work With
Individuals Approaching Retirement
The paycheck stops. The questions multiply. How to turn savings into income, manage taxes across accounts, and make sure the money lasts.
Managing a Concentrated Stock Position
Whether it came from an IPO, equity compensation, or simply being right about a company — a concentrated position requires more than a diversification plan. Timing, tax treatment, and coordination all play a role.
Business Owners
A transaction brings every financial decision into focus at once. We help you get ahead of it — before the closing, not after.
Planning for Key Financial Decisions
The pieces are there. The plan that connects them usually isn't.
Most advisors manage a piece of your financial picture. We connect all of it: investments, taxes, income, and estate working together as one coordinated strategy.
Tax-First Thinking
Every investment decision carries a tax consequence. We evaluate both before anything is executed.
Your Strategy, Simplified
One living strategy document. Simple enough to share with your family. Comprehensive enough to coordinate everything behind it.
Just A Call Away
We’re here when questions come up, when life changes, and when decisions can’t wait.
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Meet Nate Willardson, CFP®
Founder of CURRENTS Wealth Strategies
I spent nearly a decade at a global private bank advising families on some of the most consequential financial decisions of their lives. I saw what great advice could look like…and I saw what got lost when it was delivered through a large institution.
I built CURRENTS so that never happens to you. As a fee-only, fiduciary practice, our only obligation is to you. No commissions, no product incentives, no institutional constraints.
When I’m not working, you’ll find me chasing waves, holding my own on the pickleball court, and keeping pace with my wife and kids who make it all worth it.
Here's what people are asking.
Who do you typically work with?
CURRENTS is built for people approaching a defining financial moment. Most of the people we work with fall into one of three situations:
A concentrated stock position. A significant portion of your net worth sits in one position. You know it needs a plan. You need an advisor who understands the full toolkit — hedging, tax-efficient diversification, liquidity strategies — and can coordinate it around your broader financial picture.
Business owners approaching a sale or exit. A transaction of this size touches taxes, estate, income, and your entire financial future at once. The time to plan is before the deal closes, not after.
Individuals approaching or in retirement. You’ve built a meaningful foundation. The question now is whether your strategy is resilient enough to protect your lifestyle for the next 30+ years.
If you’re unsure whether you’re a fit, the first conversation is complimentary and comes with no obligation.
What makes CURRENTS different from my current advisor or a larger firm?
Our goal is simple: help you make the right decisions at the moments that matter most, and take as much of the planning off your plate as possible in the process.
We help clients with retirement planning, investment management, tax planning, estate planning, insurance review, and cash flow analysis. We provide everything needed to ensure you feel confident about your financial future.
For clients with more complex needs, we go deeper in three specialized areas:
Concentrated equity. Tax-efficient liquidation, hedging strategies, exchange funds, direct indexing, and charitable giving integration.
Business transitions. Pre-transaction planning, post-sale lifestyle modeling, deal team coordination, and cash flow analysis.
Retirement transition. Income planning, Roth conversion strategy, sequence of returns risk, and portfolio restructuring for the next 30+ years.
How do you get paid?
CURRENTS is a fee-only, fiduciary practice. No commissions, no product incentives, no hidden revenue sources.
We assess a fee based on the total value of investments we manage, debited directly from the account. The rate is determined by the tier your total balance falls in:
Assets Under Management
$0 – $250,000: 1.50%
$250,001 – $500,000: 1.30%
$500,001 – $1,000,000: 1.15%
$1,000,001 – $2,000,000: 1.00%
$2,000,001 – $5,000,000: 0.75%
$5,000,001 – $10,000,000: 0.65%
$10,000,001 – $15,000,000: 0.55%
$15,000,001 – $25,000,000: 0.50%
$25,000,001 – $50,000,000: 0.40%
$50,000,001 – AND UP: 0.30%
If your situation involves more complexity (business exit, concentrated equity, or advanced planning needs) and asset-based billing isn’t the right fit, we may recommend a flat-fee arrangement starting at $7,500+ annually. A separate agreement would outline the services and cost.
Is there a minimum to work with CURRENTS?
Our typical client has $1M+ in investable assets. However, wealth transitions look different for everyone. If you are eager to work with CURRENTS, please reach out and we may be able to accomodate.
What can I expect if we work together?
We start with a complimentary Discovery call — no commitment, no pressure, no agenda beyond understanding your situation and whether we’re the right fit for each other.
If we move forward, here’s what the process looks like:
Comprehensive Review. A deep-dive audit of your complete financial picture. We analyze your position, cost basis, tax returns, income, and estate — surfacing both what you know needs attention and the gaps you may not know exist.
Personalized Strategy. Your written wealth and financial master plan. We integrate every element of your financial life into one coordinated roadmap. You review and approve it before anything moves.
Investment Strategy. A tailored investment plan built around your tax situation, your timeline, and your complete financial picture.
Active Management. A living plan, not a one-time deliverable. We provide ongoing oversight as markets and your life change, anchored by two dedicated tax planning meetings each year — one in the Spring, one in the Fall.
Most of the clients we work with wish they had started the conversation earlier. Not because they were behind — but because the earlier the strategy is built, the more it can do.
Where are my investments held?
CURRENTS is an independent Registered Investment Advisor (RIA). Being independent means we choose custodians based on what best serves our clients.
We custody client assets at Altruist and Charles Schwab, two of the most trusted names in the industry. You’ll always have secure online access to view your accounts, monitor your portfolio, and track your financial plan in real time.
We'd love to meet you.
Most clients wish they had started earlier. The reason is simple: more time means more options.
No commitment. No pressure. Just a conversation.
