Grounded Wealth

Registered Investment Advisory

You've built something
worth protecting.

The system around it wasn't built for you. So we built a different one — human-led, grounded in intelligence, designed around your life.
Thrive financially. Live fully.

  • One Household, One Membership
  • Ten Domains, One Practice
  • Digital First, Human Always
  • Fee-Only, Fiduciary Always

Partners

Advisors our members trust — partnering with Altruist, April, Charles Schwab, and more.

Where Our Members Come From

  • American Family
  • Lowe's
  • Shopify
  • 3M
  • U.S. Bank
  • Allina
  • Hasbro

Companies listed are representative employers of current and former members. Listing does not imply endorsement, partnership, or recommendation by these organizations.

Most people are drifting.

Earning without direction.

Spending without intention.

Investing without clarity.

Life gets pushed to later.

Most advisors are built around portfolios.
We're built around your life.

The traditional model starts with your portfolio and works outward. We start somewhere else — your Enough Number, your Practice Domains, your North Star. We do not sell products. We build Financial Practices™. The investments come after, and they serve the practice, not the other way around.

Editorial illustration of a house with deep roots growing into the soil — the foundation beneath the structure of a financial practice.
01

Human-Enabled Digital

Technology, with a human touch.

Our platform handles complexity so our advisors can focus on what matters — your life, your decisions, your next move.

02

Grounded Intelligence

Real intelligence, fiduciary-grounded.

Human-researched and fiduciary-vetted by CFP®s, CPAs, and CFAs. Inside Grounded Wealth, that intelligence has a name — Grounded Gus™ — a warm, plain-spoken guide who makes sure nothing important gets missed.

Meet Gus
03

Practice Partners

Your network or ours — when you need it.

Estate attorneys, CPAs, insurance specialists. Vetted professionals who share our standards, ready when in-person matters.

The First Question

What is your
Enough Number?

Most plans start with a portfolio. We start with a number that actually means something — the number at which more doesn't change your life, only your spreadsheet.

Enough is not a ceiling. It's a compass.

Wealth Redefined

Wealth isn't what you have. It's how you live.

True wealth is the alignment between your values, your decisions, and your resources — the freedom to live intentionally. Not someday. Now.

Your net worth is a number. Your Life Dividends™ are how you live.

Read our Philosophy

The Five Life Dividends™

01

Time

To spend on what matters

02

Freedom

To choose your own path

03

Health

To invest in yourself

04

Connection

To be present with others

05

Intention

A life lived with purpose

Powered by Grounded One™

One system.
One place.

The technology that powers your Financial Practice™. Your accounts, your documents, your domains — unified, secure, and always current.

Explore the Platform

One Login

Every solution. Every account. One place.

One System

Grounded One connects your financial life.

One Membership

Never more than 0.79% AUM. Transparent, capped.

One Practice

Your complete Financial Practice™.

The Grounded Advantage Report

Institutional clarity in 7 days. Free.

We don't offer a free consultation. We offer a structured diagnostic. Securely link a few accounts and within 7 days we deliver a complete picture of your financial structure — exactly where inefficiencies exist and how to correct them.

Grounded Practice Assessment

GPA Score

A 0–100 structural integrity score grading your allocation, cost efficiency, tax alignment, and behavioral risk.

Return Leakage Analysis

RLA Report

A documented, conservative range of your current fee inefficiencies and tax drag — quantified in real dollars, not percentages.

Tax Alignment Profile

TAP Profile

A clean visual map of your capital gain exposure and bracket optimization opportunities across every account you hold.

Grounded Action Priorities

GAP Report

A concise one- to two-page report comparing your current practice against a best-practice model — with the next best actions clearly prioritized. Not a roadmap. Not a plan. A gap analysis you can act on.

Start Your 7-Day Assessment

No commitment. No sales pitch. Read-only account connections — we never hold trading authority, and no assumed next step.

The Practice

Ten domains.
One complete view.

Your financial life isn't a portfolio. It's income, saving, risk, tax, estate, equity, retirement — and the life you live around them. We look at all of it, together.

Each domain is a lens — not a grade. Together, they reveal the full picture.

Explore All Domains

What You Get

Eleven Practice Solutions.
One seamless system.

Every Practice Solution is designed to address a specific domain of your financial life. Your membership determines which solutions your advisor activates.

Primary

Core · 4 solutions

Grounded Life OS™

Your financial command center

The central hub of your Financial Practice™. Life OS connects all your accounts, tracks your Grounded Days, and gives you a real-time view of your financial life.

Grounded Money™

Cash flow clarity

Understand where your money goes and optimize your cash flow. Grounded Money provides intelligent spending analysis, budgeting tools, and savings automation.

Grounded Wealth™

Investment management done right

Evidence-based investment management using our GPS (Grounded Portfolio System) models. Low-cost, diversified, and aligned with your goals.

Grounded Tax™

Tax strategy, not just preparation

Proactive tax planning integrated with your entire Financial Practice™. Minimize taxes legally through strategic planning, not just annual filing.

Secondary

Extended · 7 solutions

Protection

Protect what matters most

Comprehensive risk assessment and insurance coordination. Ensure you have the right coverage without overpaying.

Estate

Legacy planning made clear

Coordinate your estate plan with your overall Financial Practice™. Ensure your wishes are documented and your family is protected.

Vault

Secure document storage

Bank-level secure storage for your important documents. Access anywhere, share securely, and keep your records organized in one place.

Retirement

Plan for the life you want

Comprehensive retirement projections and Social Security optimization. Know exactly where you stand and what you need.

Investments

Invest with confidence

Access to vetted investment opportunities through our advisor network. Compare options, evaluate fit, and invest with guidance.

Reports

Insights that matter

Comprehensive reporting across your entire Financial Practice™. Quarterly reviews, annual summaries, and custom reports.

Family

Bring your family along

Extend your Financial Practice™ to family members. Shared dashboards, family meetings, and next-generation planning.

Your advisor activates capabilities, not apps. Every solution is coordinated inside a single Financial Practice™.

Explore the Platform

Pioneers

One household.
One membership.

The Unified Household Membership Model — our answer to the 1%+ legacy AUM firm and the portfolio-only robo-advisor. One membership, your entire household, every domain of financial life.

Compare the model
  • Household

    One membership covers spouses, entities, trusts, and generations — not account-by-account billing.

  • Domains

    All ten Practice Domains™ coordinated under one standard — investing, tax, estate, insurance, entities.

  • Delivery

    Digital-first in software. Human-assisted when it matters. Professionally executed end-to-end.

Membership + ≤ 0.79% AUM · Capped at every tier

In Their Words

A different kind of relationship.

Working with Nick has been a breath of fresh air. I moved to Nick from a larger institution whom I felt was checking the box on our wealth planning. Nick and team are excellent to work with, and I would highly recommend them to anyone looking for a better experience than what they have today.
Tech Executive

DisclosureThe person quoted above is a current client of Grounded Wealth and was not compensated, in cash or otherwise, for this testimonial. No material conflicts of interest are known to exist between the person quoted and Grounded Wealth in connection with this testimonial. Testimonials are not representative of all clients and are not a guarantee of future performance or success.

One Practice

Built to hold your entire financial life.

10
Practice Domains™
11
Practice Solutions™
0.79%
Fee Cap
5
Membership Tiers
The Philosophy

It starts with the book.

The Four Ways to Wealth by Nicholas Tilli — Grounded Wealth First Edition

The Four Ways to Wealth introduces the framework that powers everything we do.

The Enough Number. The Practice Domains. The Grounded Flow™. The Life Dividends™. Many of our members read the book first. By the time they sit down with us, they already speak the language.

Compounded

Accelerated

Multiplied

Grounded

Notify Me at Launch

The book is in its final stage. Join the list and we'll let you know when it ships.

Post-Tax Season · Limited Engagement

Your 2025 Tax Opinion.
Your 2026 Blueprint.

A forward-looking overlay to your CPA's compliance work. Whether you just filed or are extending through October, get a structural opinion and a roadmap for next year.

Structural Opinion

A plain-English review of your 2025 return.

2026 Blueprint

A forward-looking estimate with entity, timing, and structure levers.

Frictionless Process

Upload your return. We review. You get a clear opinion.

Not tax preparation. A complement to your existing CPA relationship.

The Invitation

You don't need another tool.
You need a practice.

One that sees your full life. One that adapts as you grow. One that compounds your Life Dividends™ — not just your portfolio.

Ready to see your full picture?

A conversation is on the way. No obligation. No sales pitch. Just clarity.