Cannon Mountain cliff face in New Hampshire’s White Mountains

About the firm

A fee-only fiduciary firm, not an advisor on an island.

Vital Investment Management is an independent, fee-only RIA founded by David Eads, CFP®. In 2025 we opened a New England office so East Coast clients have the same depth of firm behind them, led locally by Rusty Tredwell.

Schedule time with Rusty

USS Constitution firing a salute while underway in Boston Harbor on Independence Day

About us

Our goals are perfectly aligned with yours.

We are a fee-only fiduciary firm. We always put our clients' best interests first. Clients come to us for personalized, tailored investment management and financial planning. They stay because of the trust they have built with their advisor.

Vital Investment Management, LLC was formed in 2019. We are not in business to become the largest wealth management firm. We seek to provide 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 New England and Colorado mean you get a local relationship and a full firm: planning specialists, investment process, and a service team that answers the phone.

Read more about the firm on vimadvisor.com, including the About Us page. If you own a business and want that work to lead, Dillon Goodman's owner practice is at vimsmallbusiness.com.

Senior Financial Advisor, New England

Rusty Tredwell

Thirty years across Fidelity and PIMCO, now leading Vital’s New England office from Marblehead.

In 2025, Vital opened a New England office to service our clients on the East Coast. Rusty Tredwell leads that office from Marblehead, Massachusetts, so East Coast families work with an advisor who is here, not a time zone away.

He came to this practice after three decades on the institutional side of the business: trader, consultant, and senior relationship lead for investors who write policy statements, not product brochures.

He earned a B.A. from Providence College in 1993. He began at Fidelity as a trader and fixed-income specialist, then spent nearly a decade as an investment consultant at Fidelity’s Strategic Advisers. From 2007 to 2022 he was a Senior Vice President at PIMCO, working with RIAs, family offices, and large institutional relationships on custom portfolios, complex credit, and investor policy.

That background is the point. Clients do not need another person reciting market commentary. They need someone who has sat with sophisticated capital, can explain a portfolio in plain English, and still understands that savings, retirement, taxes, and the next decade have to fit on the same page.

Rusty’s role is to make the household plan and the investment portfolio talk to each other, and to stay with you after the first plan is written. Tailored investment decisions for each client’s portfolio are made in New England by Rusty, after thorough review with each client.

Opened Vital’s New England office in 2025
Based in Marblehead, Massachusetts
B.A., Providence College
Senior Financial Advisor, Vital Investment Management
Portfolio decisions made in New England after client review
Senior Vice President, PIMCO (2007–2022)
Investment consultant and fixed-income specialist, Fidelity (1994–2007)
Series 63 and Series 65

Founder, CEO & Managing Member

David Eads, CFP®

The firm’s founder. A CERTIFIED FINANCIAL PLANNER™ professional who built Vital as a fee-only fiduciary, not a product desk.

David Eads, CFP®, founded Vital Investment Management in 2019 to build an independently owned, fee-only Registered Investment Adviser that still feels local. He is the firm’s Founder, Chief Executive Officer, Managing Member, and Chief Compliance Officer.

Unlike a broker-dealer, Vital does not earn commissions for selling securities. Compensation is disclosed in a signed advisor–client agreement, typically as a percentage of the assets we manage. The firm is required to meet the fiduciary standard: to act in clients’ best interests at all times.

David is a CERTIFIED FINANCIAL PLANNER™ professional with a career in tactical investment strategy, comprehensive planning, and the quieter work of staying close to families over decades. He has been featured in Financial Planning magazine.

His standard for the firm is simple: decisions are made by people who know the client, families are treated like family, and the goal is peace of mind, not becoming the largest shop in the book. The Colorado office in Loveland remains the firm’s home; the New England office extends that same culture to the East Coast.

Founder of Vital Investment Management (2019)
CEO, Managing Member, and Chief Compliance Officer
CERTIFIED FINANCIAL PLANNER™ professional
Featured in Financial Planning magazine
Based with the firm’s Colorado office in Loveland

Planning Specialist, Estate & Retirement

Cindy Bragdon, CFP®, CTFA

Decades in estates, trusts, and fiduciary work, brought to the retirement and legacy questions families usually postpone.

Cindy Bragdon is Vital’s Planning Specialist, with a focus on estate planning, retirement, and the transfer of both wealth and decision-making.

She spent more than twenty years as an estate and trust paralegal and nearly fifteen years as a trust officer, including a long tenure at First Western Trust / First Western Financial. She holds the CFP® certification and the Certified Trust and Fiduciary Advisor (CTFA) designation.

Cindy helps clients design strategies for the seamless management of assets during life, and in the event of advanced age, incapacity, or death. Her work includes tax-aware wealth transfer, philanthropic goals, and protecting a family from a forced or chaotic transition.

She coordinates with your attorney and other advisors. The documents have to work in a real family, and, when it applies, a real operating business, not only on letterhead.

CFP® professional and Certified Trust and Fiduciary Advisor (CTFA)
20+ years as an estate and trust paralegal
Nearly 15 years as a trust officer
Specialist in estate, retirement, and succession planning

Two offices, one firm

New England and Colorado.

Rusty works with clients across Massachusetts, New Hampshire, and Maine from 80 Front Street in Marblehead. The Colorado office in Loveland is home to founder David Eads, CFP®, and the Service Team at (970) 776-3316.

Portland Head Light, Cape Elizabeth, Maine, with surf on the granite shore — New England
80 Front St, Marblehead, MA 01945
Opened in 2025 to service clients on the East Coast. Led by Rusty Tredwell.

How we work when it matters

Fiduciary, always

We are fee-only. We do not get paid to put you in a product. If a recommendation is not in your interest, it is not on the table.

Planning and investing together

Savings, retirement, taxes, the portfolio, and the estate plan belong in the same conversation. The company is in the room too, when you own one.

Local judgment

You work with Rusty in New England, backed by David Eads, CFP®, and the Colorado team. Tailored investment decisions for each client’s portfolio are made here by Rusty, after thorough review with each client, not outsourced to a national script.

Peace of mind over scale

Vital was not built to become the largest firm on the map. We take on work we can do well, and we stay in it.

The next step is a conversation, not a commitment.

A discovery call with Rusty is confidential, fiduciary, and pressure-free. Bring the mess. That is the point.

Meet with Rusty (617) 992-0305 Service Team (970) 776-3316