Vital Wealth
Vital Wealth is a fractional family office and financial planning firm for entrepreneurs earning $1 million+ per year. We equip high-income business owners pay significantly less in taxes through proactive, year-round tax strategy and planning. We also coordinate investment management, cash flow optimization, estate planning, and wealth protection into one personalized, cohesive plan. Founded by entrepreneur Patrick Lonergan and headquartered in Clinton, Iowa, we are a virtual firm that serves clients nationwide with flat-fee planning and measurable tax savings. Through our Vital Strategies education platform and nationally streamed podcast, we share the strategies that help business owners at every level build and protect lasting wealth.
Business Hours
Wealth Management
Wealth management for entrepreneurs earning $1M+, integrating tax strategy, investment management, cash flow planning, insurance, estate planning, and business planning through a fractional family office model with flat-fee pricing and coordination of your full advisory team.
Tax Planning Services
Comprehensive tax planning services for high-income business owners, including entity structure analysis, tax reduction strategies, deduction and credit optimization, retirement plan tax strategies, and year-round planning coordinated with your CPA to lower your annual tax bill.
Investment Management
Investment management for entrepreneurs and high-income earners, including diversified portfolio construction, tax-efficient investing, asset allocation, public market and alternative investments, and ongoing portfolio management integrated with tax planning and wealth strategy.
Estate Planning
Estate planning for high-net-worth entrepreneurs, including wills, revocable and irrevocable trusts, beneficiary planning, estate tax reduction strategies, business succession coordination, and wealth transfer planning developed alongside your estate planning attorney and tax strategy.
Personal Financial Planning
Personal financial planning for high-income entrepreneurs, including goal-based planning, retirement projections, tax planning, investment strategy, insurance analysis, education funding, and estate planning coordinated into one comprehensive personal wealth management roadmap.
Cash Flow Optimization
Cash flow optimization for business owners, including business and personal cash flow analysis, income allocation strategy, expense management, cash reserve planning, and systems that direct dollars toward tax savings, debt reduction, investments, and long-term wealth building.
Financial Planning
Flat-fee financial planning for entrepreneurs and high-income earners, including comprehensive tax planning, investment strategy, cash flow management, retirement planning, insurance review, and estate planning delivered through one coordinated, year-round financial plan.
Asset Protection
Asset protection planning for business owners and high-income entrepreneurs, including LLC and entity structuring, umbrella liability coverage, irrevocable trusts, and legal strategies that shield business assets, real estate, and personal wealth from lawsuits, creditors, and liability risk.
Retirement Planning
Retirement planning for business owners, including 401(k), cash balance plans, defined benefit plans, SEP and Solo 401(k) design, retirement income projections, Roth conversion strategies, Social Security planning, and tax-efficient withdrawal strategies for entrepreneurs.