How the relationship starts
Book a discovery call, call (617) 992-0305, or start the free financial snapshot. Bring the messy version: a liquidity event, a portfolio you do not recognize, or a plan that is three houses behind your life.
Questions we hear
How do I choose a fiduciary financial advisor?
Ask whether the adviser is a fiduciary at all times, how it is paid, and who holds your assets. Read its Form ADV Part 2A and Form CRS on the SEC's adviserinfo.sec.gov site, and ask what services and conflicts apply to you. Vital Investment Management, LLC is a fee-only SEC-registered investment adviser; its Form ADV and CRS are linked on our Disclosure page.
What does high-net-worth retirement planning cover?
For households with $1,000,000 or more to invest, it usually means coordinating retirement income, taxes, investments, and estate documents in one plan rather than reviewing each piece alone. See financial planning and how we work. This is general education, not personalized advice.
Which tax-advantaged accounts should I know about?
Common ones include employer plans such as 401(k) and 403(b) plans, traditional and Roth IRAs, SEP and SIMPLE IRAs for business owners, health savings accounts, and 529 education plans. Rules and limits change; confirm them with your CPA. Our tax-efficient investing guide and owner retirement plans guide go further.
What is investment management here?
A fully customized portfolio inside a fee-only fiduciary relationship, tied to a personalized financial plan. Public markets, and when suitable, private investments and interval funds.
Where do you work?
Coastal New England from Maine to Rhode Island. The office is 80 Front Street, Marblehead. We are not a Boston-metro firm.
Who is a typical client?
Households that typically have $1,000,000 or more to invest. Often ages 50–75. Homeowners of coastal property. Owners, professionals, and families after a sale or inheritance.
What is an interval fund?
A 1940 Act fund that offers limited, periodic repurchase opportunities instead of daily liquidity. That limited liquidity is useful for long-term capital and a problem if you need the cash next quarter. You can lose money. This is not a recommendation of any fund.
Are you fee-only?
Yes. Vital Investment Management, LLC is a fee-only SEC-registered RIA, CRD 300811. There is no product shelf to clear.
How do I start?
https://VIMadvisor.as.me/ConsultWithRusty or (617) 992-0305.