For Individuals

Financial Planning and Wealth Management

We Help You Grow, Protect, and Pass on Your Wealth

Whether you’re planning for retirement, navigating tax complexities, or building a legacy, our fiduciary advisors create strategies tailored to your goals. With decades of West Michigan experience, we provide local insight and national expertise.

Financial Planning for Every Life Stage

Real financial confidence comes from a plan built for your goals, whether that’s early retirement, world travel, or leaving a legacy. We look at your income, spending, debts, and risk comfort level to create a plan for your life now and in the future.

Lifelong Investment Management

Your investments should match your goals and timeline. As independent advisors, we focus on spreading risk, keeping costs low, managing taxes, and adjusting your portfolio as needed to grow and protect your wealth.

Retirement Planning

  • 401(k) and IRA strategies
  • Pension decisions
  • Social Security optimization
  • Withdrawal planning
  • Income tax efficiency during retirement

Retirement planning is about building an income plan for your future. We partner with people at every stage, from new savers to those preparing to take required minimum distributions.

Estate Planning &
Wealth Transfer Strategies

  • Advanced trust strategies like SLATs, IDGTs, ILITs, and more
  • Wealth transfer planning to reduce or eliminate estate taxes
  • Asset protection to guard against legal or financial threats
  • Incapacity planning (POAs, living wills, health care directives)
  • Charitable giving through donor-advised funds or charitable trusts
  • Succession planning for family-owned businesses
  • Ongoing estate plan updates as your circumstances change

We partner with you and your legal team to build an estate plan that reflects your goals and adapts as life changes. Our focus is protecting your assets, honoring your wishes, and helping you pass on wealth efficiently and tax‑smart. We also review plans regularly and work with your estate planning attorney to ensure they stay aligned with changing laws and family needs.

Tax Planning

  • Annual income tax planning and return reviews
  • Coordination with your CPA or tax preparer
  • Roth conversion strategies
  • Lifetime income tax projections
  • Medicare premium optimization
  • Tax-smart charitable giving and estate strategies
  • Tax-deferred contribution guidance (401(k), HSA, etc.)
  • Planning for stock options, RSUs, and equity events
  • Inherited IRA management

Proactive, tax-efficient wealth management is wise stewardship. Whether you’re facing a big income event or planning long-term tax strategy, we have the experience to help you keep more of your financial resources.

Business Transition Succession Planning

  • Business valuation coordination
  • Buy-sell agreement planning
  • Exit strategy development
  • Tax mitigation during ownership transitions
  • Integration with your personal estate and wealth plans

As a business owner, your personal and business wealth are connected. We provide small business succession planning for a smooth transition, whether you’re retiring, selling, or passing your business to family.

Executive Equity
Compensation Services

Our advisors help you:

  • Understand your equity compensation plan
  • Evaluate vesting and tax impacts
  • Coordinate with your investment and retirement strategies
  • Diversify concentrated holdings

We ensure that your equity benefits work as part of a holistic wealth strategy. If you receive stock options, RSUs, or performance shares, we will clarify and advise on decisions about tax timing, payouts, and risk.

Insurance and
Asset Protection

We evaluate and recommend:

  • Life insurance
  • Disability insurance
  • Long-term care solutions
  • Liability coverage
  • Strategic trust structures to shield assets from creditors

Protecting and growing your wealth are equally important. Our insurance and asset protection strategies help you prepare for unexpected events and secure your family’s financial future.

Philanthropic Planning
and Guidance

Options include:

  • Donor-advised funds
  • Charitable remainder trusts
  • Gifting strategies
  • Long-term legacy planning

If giving back matters to you, we help build philanthropy into your wealth plan. Whether you want to start a family foundation or support causes you care about, we provide strategies that maximize both impact and tax benefits.

Why Choose CapTrust Wealth Advisors?

CapTrust is a trusted wealth advisor for every phase of your financial journey.

Fiduciary Advice

Advice in your best interest

Independent Structure

Free from product sales or third party influence

Experienced Team

Decades of experience across disciplines

Collaborative Approach

Work hand-in-hand with your CPA and attorney

Personalized Service

Strategy tailored to your unique goals

West Michigan Roots

Local knowledge and commitment with national perspective

Ready to Talk About
Your Financial Future?

Whether you’re building wealth, preparing for retirement, or planning your legacy, CapTrust Wealth Advisors offers trusted financial planning and wealth management services to clients in West Michigan and across the country.

Call today or schedule a consultation to start building your secure financial future.

Take The First Step