Disciplined planning. Tax-efficient strategy. A wealth framework engineered for what comes next — retirement, legacy, and the decades that follow.
Twelve precision questions. A personalized score from 0 to 165. Your custom roadmap with the gaps most advisors miss.
The average American household near retirement holds substantial wealth — and substantial blind spots. Tax leakage. Misaligned allocations. No plan for the gap between today's income and tomorrow's expenses.
Strategic structure isn't about beating the market. It's about engineering decisions that compound over decades.
of Americans say they aren't on track to retire when they want to.
of retirees underestimate the tax impact on their distributions.
don't have a written, actionable financial plan.
the wealth accumulation among those who plan vs. those who don't.
"Lasting wealth isn't accidental. It's architected."
Matthew founded Modulus Wealth on a simple belief: durable wealth isn’t built on predictions — it’s built on structure. With a background in engineering, supply chain, and technology, he spent a decade solving complex problems in fast‑moving environments before bringing that same discipline to financial planning.
Today, he helps tech professionals, business owners, and pre‑retirees create financial systems that are clear, repeatable, and resilient. His approach is grounded in precision: understanding the moving parts of a client’s financial life, engineering decisions that stand up to market cycles, and building a plan that removes guesswork from the future.
Clients come to Matthew when they want a single point of accountability — someone who can translate complexity into confidence. His work is methodical, fiduciary, and deeply personal, designed to help people protect what they’ve built and make intentional decisions about what comes next.
Six pillars of strategic planning, integrated into a single framework. No silos. No conflicting advice.
Income strategy, withdrawal sequencing, Social Security optimization, and long-term sustainability modeling for the next 30+ years.
Roth conversions, tax-loss harvesting, charitable structuring, and year-round coordination with your CPA to minimize lifetime tax drag.
Wealth transfer structures, beneficiary alignment, trust coordination, and legacy frameworks that survive generational shifts.
Risk-calibrated portfolios. Disciplined rebalancing. Cost-conscious implementation. Built around your timeline — not the market's mood.
Life, disability, and long-term care analysis to identify coverage gaps and eliminate redundant premiums you no longer need.
Gifting strategies, generation-skipping plans, and family governance frameworks for households thinking beyond their own lifetime.
We start with a conversation about what you actually want — and what you're actually worried about. Numbers come later.
A full audit of your current position: tax exposure, allocation, liabilities, insurance gaps, and beneficiary alignment.
A written plan with specific recommendations, sequencing, and a clear rationale for every decision we make together.
Implementation, monitoring, and quarterly reviews. We adjust as your life and the markets evolve.
The questions we hear most often. If yours isn't here, the assessment will surface it — or you can reach out directly.
Ask a Different QuestionOur fee structure is transparent and aligned with the scope of planning and the services we provide. We’ll review the details together during your consultation so you have a clear understanding of costs.
We work best with households who are serious about long-term planning and have meaningful assets to coordinate. The exact threshold varies — the assessment helps us both determine if we're a fit.
We act as fiduciaries — legally required to put your interests first. We don't earn commissions on products. Our income depends entirely on the quality of advice we deliver and the relationships we sustain.
You'll see your Retirement Readiness Score immediately, along with personalized observations. If you'd like to discuss your results, you can book a complimentary strategy call directly from the results page.
Yes — and we encourage it. The best financial outcomes come from a coordinated team. We regularly work alongside tax professionals and estate attorneys to keep your plan aligned across disciplines.
We are licensed to advise clients in CA, WA, IL, and ME. If you're outside these states, please reach out — we may still be able to help or refer you to a trusted partner.
Take the Retirement Readiness Score and see exactly where your strategy is solid — and where the gaps are. No commitment. Just useful information.
Begin the AssessmentIf you'd rather skip the assessment and go straight to a conversation, reach out directly.