Fee-Only · Fiduciary · Infinitus Wealth Management
Financial Planning in Nashville, Built Around a Custom Portfolio
Financial planning and investment management should not operate separately. At Infinitus Wealth Management, your financial plan and portfolio are developed together—connecting your goals, retirement needs, tax considerations, and long-term strategy with a custom portfolio of individual stocks and bonds.Your plan determines where your money needs to go. Your portfolio is built to help take it there. We manage both through one coordinated strategy designed to help you reach your financial goals—and build beyond them.
Strategy designed and managed by Erik James Roberts, MBA — Founder & Chief Investment Officer, Infinitus Wealth Management. Wharton MBA · Fee-only fiduciary.
A plan tells your money where to go. A portfolio takes it there. We build both — together.
Comprehensive planning, included at no additional cost for every portfolio we manage. See our fees
⎯ The Complete Picture
What Financial Planning Should Include
A real financial plan answers the questions that matter most: When can I step away from work — and on what monthly income? How do we fund education without slowing our own progress? What happens to the business, the equity compensation, the family home? How much of what we earn do we actually keep after taxes? A plan worth the name connects every one of those answers to the dollars that will fund them.
At Infinitus, planning covers the full landscape of your financial life, organized around your goals rather than around products:
Retirement & Financial Independence
Projections of what your assets can sustainably provide, the age independence becomes possible, and the income plan that carries you through it.
Cash Flow & Savings Strategy
A clear picture of what comes in, what goes out, and how surplus is put to work with intention every year.
Business & Exit Planning
The value inside your business, treated as the asset it is — before, during, and after a sale.
Protection & Insurance Review
An objective look at life, disability, and liability coverage — from a firm that sells none of it.
Tax-Aware Investing
Asset location, gain budgeting, and withdrawal sequencing designed so more of your return stays yours. Coordinated with your CPA.
Equity Compensation & Concentration
RSUs, options, founder shares, and concentrated positions planned as part of the whole — captured, diversified, and directed toward your goals.
Education & Family Goals
Funding strategies for children and grandchildren that fit alongside, not against, your own independence.
Estate & Legacy Coordination
Beneficiary alignment, charitable strategy, and coordination with your estate attorney so what you built goes where you intend.
⎯ Planning + Investing, One Desk
The Plan and the Portfolio, Under One Roof
The most valuable thing a financial plan can have is a direct line to the portfolio that funds it. When the two are built together, every projection connects to real holdings, every goal has an engine behind it, and every adjustment happens in one motion — this is the advantage clients choose us for.
Every client portfolio is built in-house — led by our founder and Chief Investment Officer — from individual stocks and bonds, drawing on twelve proprietary strategies that combine into one custom portfolio per client. When your plan calls for growth, income, capital preservation, or tax efficiency, that call is implemented directly in securities you own outright, with all the precision direct ownership makes possible. Active, personalized management means the plan is not a document about your portfolio. It is the operating manual for it.
Because we are a fee-only independent fiduciary, the economics stay clean: one transparent asset-based fee, no commissions, no products to place. For clients whose portfolios we manage, comprehensive financial planning is included at no additional cost — one fee covers the plan and the portfolio together, because to us they are the same work. Our complete fee schedule is published on our Fees & Pricing page, and your assets are held at an independent custodian, explained on our Custody & Security page.
⎯ Keep More of What You Earn
Tax-Smart by Design
Few things improve lifetime results as reliably as tax efficiency — and few places reward it like Tennessee. Financial planning in Nashville begins with a genuine head start: no state income tax on wages or investment income, which means every tax-smart decision you make at the federal level compounds that much further.
Our planning work treats tax efficiency as a design principle, not an afterthought. Three disciplines do most of the work:
Asset location. Different account types are taxed differently, so where an investment lives can matter nearly as much as what it is. We think in three layers — taxable, tax-deferred, and tax-free — and position holdings by which layer treats them best.
Gain budgeting. Because your portfolio is built from individual securities, gains and losses can be realized position by position, with intent. That precision is difficult to achieve inside pooled funds — and it is one of the practical advantages of direct ownership.
Withdrawal sequencing. In retirement, the order in which accounts are drawn shapes the tax bill on every dollar of income. We model that order as part of the plan, alongside opportunities such as Roth conversions in lower-income years — always in coordination with your CPA, who governs the filing decisions.
⎯ Built For Your Situation
Planning for Every Chapter of Wealth
Financial planning is not one-size-fits-all, because wealth is not built one way. A founder two years from a sale, an executive with vesting equity, a family stewarding generational assets, and a couple entering the retirement they worked decades for are all planning — but they are planning for different things. Our client work is organized around those realities:
⎯ A Living Plan
A Plan That Stays Current
The plans that change lives are the ones still accurate three years later. Markets move, tax law evolves, businesses grow, families flourish — and a great plan grows right along with them. Ours is built to stay in motion: projections refreshed as conditions change, the portfolio realigned as the plan updates, and formal reviews held at a rhythm we set together, so your plan is always as current as your life.
⎯ Getting Started
From First Call to Fully Invested.
01
Discovery Call
A no-pressure conversation about your goals, holdings, and what you want your wealth to do — by phone, video, or in person.
02
Strategy Review
We review your holdings, goals, and risk profile, then share observations on how your portfolio is positioned and where a tailored approach may help.
03
Onboarding
A fully digital onboarding — accounts opened and transfers authorized with a few e-signatures, most holdings moving over exactly as they are.
04
Active Management
We build and manage your portfolio — with ongoing research, tax-aware adjustments, and regular portfolio reviews as markets and your life evolve.
Already working with an advisor? We initiate the transfer with your former firm for you — no awkward phone call on your end — and most accounts move in-kind, exactly as they are. See how switching works →
Schedule a Consultation
Investment-Focused Wealth Management
Confidential discussion
No Obligation
Explore our Investment Strategies
⎯ Frequently Asked Questions
Financial Planning in Nashville: What Clients Ask Us
What does financial planning cost at Infinitus? For investment management clients, comprehensive financial planning is included at no additional cost. Infinitus is fee-only: one transparent asset-based fee covers the plan and the portfolio together — never commissions, never a separate planning bill. The full schedule is on our Fees & Pricing page.
What is included in a financial plan? The complete picture: retirement income projections, savings and cash-flow strategy, tax-aware investment planning, education funding, equity compensation and concentrated-stock planning, business exit planning, insurance review, and estate coordination with your attorney — all connected to the portfolio that funds them.
Is Infinitus a fiduciary? Yes. We are an independent, fee-only registered investment adviser, legally obligated to act in your best interest at all times, with no commissions or third-party compensation of any kind.
How is Infinitus different from other financial planners in Nashville? The plan and the portfolio come from the same desk. We build each portfolio in-house from individual stocks and bonds using twelve proprietary strategies, so every planning decision is implemented directly in securities you own — a level of integration and precision that sets the relationship apart.
How often is my financial plan updated? Continuously. Your plan is a living framework — projections are revisited as markets, tax law, and your life evolve, with formal reviews at a rhythm we set together and any time a major decision calls for one.
Do you coordinate with my CPA and estate attorney? Yes, with your permission. We prepare the investment and planning analysis, your CPA governs tax filing decisions, and your attorney drafts estate documents. Infinitus does not provide tax or legal advice.
Can you plan around my business, equity compensation, or an upcoming exit? Yes. Business owners, executives with equity compensation, and founders approaching a sale are core client segments — we plan for the value inside the business as part of your total balance sheet, before, during, and after a transaction.
How do I get started? With a conversation. We learn your goals and your full picture, then show you what a plan and portfolio built for you would look like — before you commit to anything.
⎯ Local Roots, National Reach
Nashville-Based, Serving Institutions Nationwide
Based on Music Row, we work with endowments, foundations, and nonprofit organizations across Nashville and throughout the country. The region's growth has brought a deepening institutional presence — universities, hospitals, community foundations, and charitable organizations — that need thoughtful, transparent investment management aligned with their missions.
Whether your organization stewards its first endowment or a long-established fund, the conversation starts the same way: directly, and on your terms.
Infinitus Wealth Management is a fee-only, independent registered investment adviser located in Nashville, Tennessee. This page is provided for general informational and educational purposes only and does not constitute personalized investment, tax, or legal advice, an offer to buy or sell any security, or a recommendation of any specific strategy. Financial planning frameworks described here, including asset location and withdrawal sequencing, are illustrative; their suitability depends on individual circumstances, and tax matters should be confirmed with a qualified tax professional. Investing involves risk, including the possible loss of principal. Past performance is not indicative of future results. Diagrams on this page are conceptual illustrations, not depictions of actual client portfolios or outcomes. Advisory services are provided only to clients under a written agreement. Registration as an investment adviser does not imply a certain level of skill or training. For information about our fees, see our Fees & Pricing page and our Form ADV Part 2A.