You should consider hiring us if you want to:

1. Develop a structured retirement income plan designed to support steady cash flow throughout retirement.

2. Potentially lower your lifetime tax bill and save more of your hard-earned money.

3. Develop an investment strategy to help combat inflation that also strives to help grow your wealth.

4. Protect your spouse and your heirs if something happens to you.

5. Have a trusted professional monitoring your plan so that you can do more of the things you love in retirement.

At Vertex Capital Advisors, we do our best work with couples over 50 who want to develop a clear, tax-efficient retirement income strategy that prioritizes peace of mind, family legacy, and wise stewardship of wealth.

Our clients choose us because they’re looking for more than just investment management — they want proactive planning, straight answers, and a team they can trust for the long haul.

We don’t believe in cookie-cutter portfolios or generic advice. We take pride in our ability to use industry-leading retirement income research and personalize it for each family that we serve.

We specialize in retirement and tax planning for couples over age 50. If you had a medical emergency, you would want to see a specialist for the proper diagnosis and treatment plan. We believe the same applies to your retirement income plan. Your retirement is too important to get generic advice.

We work as a team. In some firms, your plan is “assigned.” That isn’t us. We work together and leverage all of our resources as a team to help craft your planning strategy. The team that creates your plan will present it, implement it, and monitor it over time.

If you’d like to see a full copy of our Vertex Differentials, you can download it here.

We understand that it can be hard to differentiate one advisor from another. That is EXACTLY why we offer a complimentary strategy session with our team.

What really sets us apart is how we help you make confident decisions with clarity and purpose. No jargon, no sales pressure — just a team committed to helping you retire wisely and live generously.

Yes. While our focus is primarily in the Carolinas, we are happy to serve clients nationwide. With secure video meetings, electronic paperwork, and client portals, distance is no longer an obstacle.

We have a fee-based compensation model. Our team works under Fiduciary standards, which means our advice has your best interest as the highest priority. The majority of our clients pay an advisory fee based on assets under management (AUM). We believe this aligns our success with yours.

Our annual advisory fee is calculated based on a percentage of the total value of the investments we manage. It can range from .75% to 1% of assets being managed. The fee is paid directly from client accounts, which are billed quarterly in arrears.

We also work with various insurance or income products where a commission may be involved (such as life insurance or certain annuities). Insurance is an important part of risk management, and it’s an area where we feel that we have a deep level of expertise. This is why we do not outsource it. Insurance compensation may vary depending on the contract or company we are considering.

We are an independent firm, which means we can shop the marketplace for insurance solutions. We have no quotas, no mandates, no minimums. Our loyalty is to our clients.

We do our best work with retirement savers who need (and want!) a long-term relationship. Currently, our firm is not accepting engagements for an hourly fee schedule or a one-time planning fee.

If you prefer a financial planner who offers these limited-term engagements, you may want to check out https://www.napfa.org/

When you access this link you are leaving our website and assume total responsibility for your use of the website you are linking to. We make no representation as to the completeness or accuracy of information provided at this website. We are not responsible for any liability or consequences arising out of your access to or your use of third-party technologies, websites, information and programs made available through this website.

We use major third-party custodians such as Charles Schwab or Fidelity — Your assets are never in our firm’s name. You’ll have 24/7 access to your accounts through a secure online dashboard, as well as periodic reviews with our team to keep your plan on track.

We also offer a consolidated client portal where you can view your full financial picture — including accounts held elsewhere, estate documents, and retirement income projections.