Cavalot Capital | Integrated Wealth Management
From Complexity to Clarity—Your Financial Life Fully Aligned
We help you build the confidence to live off your financial assets and align your money with the life you actually want. But not all financial professionals are created equal, click on Learn More to find out what you need to know when choosing your advisor.
In Retirement, Every Dollar You’ve Saved Should Work As Hard for You As You Did to Earn It
Without a coordinated plan, market swings, emotional decision making and tax inefficiencies can quietly erode the security you’ve built. We help you turn those savings into steady, tax-smart income—so you can enjoy life without financial stress.
Not Sure Your Advisor Is Focused on Your Retirement?
Hiring a financial professional is one of the most important decisions you can make when planning for your financial future. The right advisor can help you build wealth, minimize taxes, navigate life’s curveballs and ensure financial security for you and your family. But not all financial professionals are created equal, and knowing what to look for (and what to avoid) is critical.
That’s why we built this guide for you—along with an interactive quiz—to help determine if your financial advisor is the right fit.
Our Services
Your Financial Strategy Should Do More Than Check Boxes—It Should Help You Thrive
You need a single, trusted hub for every major financial decision.
Like the old adage goes, too many chefs spoil the stew. By handling everything in-house we minimize duplication and maximize resource utilization. Nothing slipping through the cracks, paying multiple advisors or mixing strategies.
Your financial future deserves more than guesswork—discover how our proven framework turns potential into results.
Stage 1
Allocate
Leverage holistic planning to maximize income, optimize cash flows, protect assets and allocate resources to meet your objectives.
Stage 2
Grow
Prioritize tax-efficiency and liability matching to maximize returns, diversify assets, and position investments for optimal growth.
Stage 3
Conserve
Safeguard your hard-earned savings by minimizing tax drag and leveraging every available tax advantage so more money stays in your pocket.
Demand a fee-only fiduciary that will put your best interests first, period.
Who we serve
So, What Are Your Priorities?
If you’re 10–15 years from retirement, you may wonder if you’re on track. We consolidate your accounts, model different retirement scenarios, and give you a clear plan for when and how you can retire confidently.
- Define your “North Star” lifestyle goals and what it will cost to fund them
- Consolidate accounts, providers, and documents for simplicity and control
- Build a step-by-step plan that shows when you can retire and how much you’ll have to spend
- Move beyond rules of thumb—get a personalized roadmap
If you’ve built your wealth through your business, your next challenge is turning it into dependable retirement income. From entity planning to exit strategy, we help ensure your years of effort pay dividends in retirement.
- Maximize value from your business transition while minimizing taxes
- Coordinate entity structure, retirement accounts, and investments for life after business
- Develop a retirement income plan so your business success funds your lifestyle long-term
- Avoid cookie-cutter exit strategies that leave tax savings on the table
Whether you’ve recently retired or are planning to within the next 5-10 years, your priority has shifted from saving to creating reliable income. We design strategies that make your wealth last—so you can spend your time living, not worrying.
- Create a retirement income plan that supports your lifestyle and adapts as life changes
- Reduce unnecessary taxes so more of your retirement income stays with you
- Align investments to specific income needs, so every dollar has a purpose and timeline
- Replace generic ‘stay the course’ advice with an income plan built for you
Maybe you don’t plan to retire traditionally—you want the freedom to choose your own path sooner. We build strategies that balance growth, taxes, and flexibility so you can achieve financial independence on your terms. We help with:
- Run ongoing tax projections to keep more of what you earn and invest
- Create systems to manage multiple accounts and income streams without overwhelm
- Design a flexible financial plan that gives you control and confidence in your path to independence
- Skip one-size-fits-all advice—build a flexible plan tailored to your goals
About Us
Decades of Experience, Modern Approach
We are a virtual, fee-only firm that has been around in one form or another since the 1980s – back when you got stock quotes out of the newspaper. Ted cut his teeth during that time helping employees save and invest at local hospitals and schools while Damian was earning candy money filing away paperwork and cleaning the office. Damian officially joined in 2009 and helped broaden the financial planning side of the business to provide a more holistic approach in order to emphasize efficiently allocating financial resources to match our clients goals and objectives.
We take pride in being a small family business with decades of knowledge and experience combined with the efficiencies of modern technology. We strive to build long-term relationships and truly enjoy sharing in the ups, the down, the challenges and the wins.
Finding a Good Advisor Means Asking the Right Questions
A big firm with TV ads and salespeople doesn’t equate to customized advice. Cut through the jargon and ask the right questions to find the right fit for you.
Does your financial plan utilize every strategy for your long-term success?
We provide a comprehensive framework to identify and prioritize what you are hoping to achieve in life, then craft a plan to efficiently allocate your resources to make it a reality. We provide ongoing support and check-ins throughout the year so you don’t have to go it alone.
Everyone has a Why. Let’s find yours.
Reach out for a no-pressure conversation.
