At FIT Wealth Group, we believe in a holistic approach to your retirement planning.

This starts with a comprehensive, personalized Custom-Fit Retirement Report.

You've sacrificed to accumulate your retirement nest egg. Let a CFRP with a holistic approach show you how to potentially optimize it with tax-free income to help make the most of your retirement.

Asset Location is More Important Than Asset Allocation

Past performance is no guarantee of future results. The data contained in this page is not intended to be legal or tax advice and cannot be relied upon as such. All projected results from any source contain inherent assumptions that may or may not be likely. Insurance products and services are offered and sold through individually licensed and appointed agents. Past performance is not indicative or a guarantee of future results. All strategies contain some degree of risk, and no strategy is perfect despite the best of intentions. The claims or assertions made on this page are POTENTIAL results. Your individual plan or strategy can be materially different.

IRS Circular 230 Notice: Any U.S. federal tax advice contained in this document is not intended or written to be used, and cannot be used, for the purpose of (i) avoiding penalties under the Internal Revenue Code or (ii) promoting, marketing or recommending to another party any transaction or matter that is contained in this document.

Never miss a thing! Subscribe to The FIT Retirement Show Radio Podcast!

Taxable

While usually highly liquid, taxable vehicles (bank accounts, CDs, mutual funds/ETFs, bonds, etc) are taxable with every realized gain.

While providing good liquidity for short-term savings goals or emergencies, consistent and frequent taxes can severely detriment your long-term accumulation efforts.

Tax-deferred/Tax-procrastination

Typical retirement accounts (such as 401(k)s and IRAs) procrastinate taxes until the future. Contrary to popular belief, most retirees do not find themselves in a lower tax liability situation upon retirement. These types of accounts generally maximize your taxes over your lifetime. Some financial experts have started referring to them as "tax-maximization" accounts. Many Americans come to realize their silent retirement partner (the IRS) isn't so silent once retirement begins.

Tax-free

Taking advantage of vehicles in the tax-free location can potentially increase your net-spendable retirement income significantly, help you manage the impact of future tax changes, and increase the longevity of your retirement assets by many years.

Strategically relocating portions of your taxable and tax-deferred assets to the tax-free location is a critical piece to optimizing your retirement. A CFRP can help you create multiple streams of tax-free income.

Clear. Concise. Compelling.

Your personalized CFRP will be straightforward, easy to understand, and compelling with clear action steps. We don't do fluff. Let the math of tax-free retirement planning be your guide.

Increasing your retirement income has everything to do with cutting out friction (fees) as much as possible. Taxes are the largest fee in retirement planning.

A CFRP can show you pathways to potentially decreasing your market, longevity, inflation, and tax risks while increasing your opportunities for a more fulfilling retirement.

The strategies within your CFRP will show you how to relocate inefficient taxable and tax-deferred assets to tax-free assets with the capability of producing greater income for longer periods and maximizing your legacy.

No gimmicks. No fluff. Just math.

With the right Custom-Fit Retirement Report and strategic implementation, we have found that many people can achieve the 0% tax-bracket in retirement. 

Whether you are in retirement or still working toward it, a personalized Compass Report can potentially:

Opinions don't matter. Math matters.

Financial Independence Team focuses on tax-free retirement strategies. We're passionate about it. We excel at it. Let us create a free Custom-Fit Retirement Report for you and prove it.

Schedule your complimentary strategy session today.

Tax-efficient Income

Opportunity & Risk

Plan, Create, & Execute

Optimization

Optimize Retirement.
Create Tax-free Income.

Increase longevity of your retirement nest egg by years to decades

Let’s optimize your retirement.

Decrease of potential total tax liability

Increase of potential projected legacy to heirs

Where do the majority of your retirement assets live?

Is the 0% Tax-bracket in Retirement Possible?

This does not happen on accident.

It happens on purpose.

It happens by planning for it.

It happens because you take action.

01

02

03

04

Clear.

Concise. 

Compelling.

No gimmicks. 

No fluff. 

Just math.

Andrew Riis is a seasoned financial advisor and co-founder of the Financial Independence Team (FIT Wealth), specializing in helping pre-retirees and retirees plan their dream retirement. 

With a career spanning since 2006, Andrew brings years of experience in insurance, marketing, and client wealth management, allowing him to offer comprehensive, custom-fit financial solutions. Passionate about turning aspirations into actionable plans, he is dedicated to guiding clients toward financial freedom and independence.

Andrew resides in Indianapolis with his wife, Krystle, and their six children. Outside of work, Andrew enjoys hunting, fishing, archery, hiking, and playing bass guitar. He cherishes time with his family, especially their Friday evening pizza & movie nights.

Krystle Riis

Operations & Client Success

Krystle Riis is the co-founder of the Financial Independence Team (FIT Wealth) and holds a bachelor’s degree in Business Management.

As a mother of six children, Krystle is no stranger to balancing complexity with grace. Her ability to seamlessly manage the demands of family life while excelling in business is a testament to her dedication and work ethic. Her love for the outdoors keeps her grounded—whether tending to her garden, exploring hiking trails, shooting her bow, or discovering the rich history of old buildings.

Krystle is deeply invested in helping individuals and families plan their financial futures, with a relentless focus on providing custom-fit solutions. Her organizational prowess, coupled with her genuine care for those she serves, makes her a driving force behind the firm's continued success.

Andrew Riis

Investment Advisor