New England & Colorado
Vital Investment Management is a fee-only fiduciary firm. Clients come to us for personalized financial planning and investment management: savings, retirement, taxes, and estate planning in one relationship. Rusty Tredwell leads the New England office from Marblehead; the Colorado team in Loveland is the same firm, not a distant call center.
Meet with Rusty · See How We Work
Call Rusty at (617) 992-0305 or call the Service Team at (970) 776-3316.
About us
We are a fee-only fiduciary firm. We always put our clients' best interests first.
Vital Investment Management clients come to us for personalized, tailored investment management and financial planning. They stay because of the trust they have built with their advisor.
We strive to give clients a unique wealth management experience: investment decisions made by people who know them, in New England and in Colorado, and relationships that feel like family rather than a household number.
The firm is not in business to become the largest wealth management shop. We seek peace of mind and the best service you will ever receive. Vital Investment Management reported over $333 million in assets under management as of August 17, 2026.
Offices in Marblehead, MA and Loveland, Colorado mean East Coast clients work with Rusty locally, while the Colorado team provides the same depth of service the firm was built on.
Visit the main Vital Investment Management website for the full firm. Business owners who want a practice built around the company can start with Dillon Goodman at vimsmallbusiness.com.
Rusty Tredwell
Senior Financial Advisor, New England
David Eads, CFP®
Founder, CEO & Managing Member
Cindy Bragdon, CFP®, CTFA
Planning Specialist, Estate & Retirement
Individual portraits for now. A firm team photo will replace this grid once Rusty is added to the group picture.
Free tools & resources
Built for individuals and families who want something useful before they book time, and for owners who need the company in the same picture. No login required to start.
Detailed fact finder
The PreciseFP organizer collects the facts a real plan needs: the business, the household, taxes, insurance, and the goals sitting on top of both.
Fill in what you have. Come back for the rest.
A complete fact finder before the first planning meeting
Start Your Free Financial Planning OrganizerFree financial snapshot
A short eMoney snapshot for owners and 1099 workers who want a first look at cash flow, savings, and whether the current path can fund the life they are building.
About 10 minutes
A simple on-track picture you can bring to Rusty
Am I On Track? Free Financial SnapshotWhite-labeled planning guides you can keep. Enter your name and email to unlock a PDF, mark it up, and bring the questions to a discovery call if you want a second set of eyes.
Clear comparison of Solo 401(k), Safe Harbor 401(k), traditional 401(k), Profit Sharing, SIMPLE IRA, and SEP IRA: contribution limits, eligibility, testing, loans, Roth options, and deadlines.
Enter your name and email to unlock this resource.
A plain-language summary of common trust types, formation, modifications, and when a revocable or other structure usually belongs in a plan.
Enter your name and email to unlock this resource.
A decision guide for whether a distribution from a traditional IRA is likely to be penalty-free, including exceptions and pro-rata rules.
Enter your name and email to unlock this resource.
Questions that help you decide whether a Roth conversion fits your retirement income plan, tax picture, and five-year rules.
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These tools and guides are for educational purposes only and do not constitute personalized financial, tax, or legal advice. Please consult a qualified professional for advice specific to your situation.
The quiet pressure
Most people we sit with are not careless. They are busy. Work, family, and the year got the best of their attention. Planning and investment management grew up in the gaps.
Emergency reserves, next year’s taxes, and long-term investing often live in the same account. A good year can still feel tight if every dollar is asked to do three things.
A model allocation is a starting point. It does not know when you want to retire, what you will owe in taxes, or how much cash you may need next year.
Social Security, withdrawal order, Roth conversions, and who can sign if you cannot should not be annual surprises. They belong in one conversation.
Markets move. Life moves faster. You need a fiduciary who already knows the story, not a new person each time you call.
Wealth management
Start with the household: savings, retirement, taxes, portfolios, and the estate plan. If you own a business, treasury and a future transition sit in the same practice.
The household, in one view
One coordinated plan for what you earn, what you save, what you will need, and how to get there.
Explore Financial PlanningPersonally tailored portfolios
A portfolio built around your time horizon, taxes, and the life you are trying to fund, not a model off the shelf.
Explore Investment ManagementLed with Cindy Bragdon
A funded, followable estate plan: wills, trusts, beneficiaries, and the conversations families usually postpone.
Explore Estate PlanningFor business owners
Operating cash, reserves, and short-term decisions that finally have a system.
Explore Treasury ManagementFor business owners
A realistic path from “someday” to a transition you can live with.
Explore Business Transition & SaleNot sure where to start
The discovery call is for sorting the pile, not for a pitch.
Why Rusty & the Vital team
Rusty Tredwell is a Senior Financial Advisor at Vital Investment Management, based in Marblehead, Massachusetts. He spent nearly fifteen years as a Senior Vice President at PIMCO after a decade at Fidelity. He leads the New England office so East Coast clients do not have to translate their household, their retirement date, or their next decade for the person advising their life.
Trust, not theater
Vital Investment Management reported over $333 million in assets under management as of August 17, 2026. The number matters less than how the firm is structured: independent, fee-only, and small enough that your story does not get lost.
Fee-only
No commissions. No product shelf. Fiduciary standard.
$333M+
Firm AUM as of August 17, 2026. Not a performance claim.
Two offices
New England with Rusty in Marblehead. Colorado with founder David Eads, CFP®.
Start before the meeting
A practical, one-sitting checklist to see whether savings, taxes, retirement, and the investment portfolio are actually working together. Use it on a Sunday night. Bring it to the discovery call if you want a sharper conversation.
We will email the checklist. You can unsubscribe any time. This is not an offer of advisory services.
A discovery call with Rusty is confidential, fiduciary, and pressure-free. Bring the mess. That is the point.
