Aptus Financial

05/19/2026

The question we hear most:
“Is it worth working with a financial planner?”

The better question:
“What is it costing you not to?”

Learn more at www.aptusfinancial.com

Aptus provides flat-fee, advice-only financial planning services for early-career physicians and other young professionals across the country. Aptus also delivers high-impact corporate financial wellness programs and retirement plans for companies and organizations.

05/14/2026

What does good financial planning look like to our planners?

Erika Agard, CFP, has her answer.

05/12/2026

Estate planning. Honestly, it’s probably not something you want to think about very often. Death—and everything that comes with it—isn’t exactly a comfortable topic. But if you want to protect your loved ones and ensure your wishes...

05/06/2026

Meet the Aptus Team!

We gathered together back in March for our annual in-person retreat to talk all things Aptus, get some necessary face time, and to take this wonderful picture. Each of these team members is a vital part of what makes Aptus so unique - their care, attention to detail, and belief in changing the landscape of financial planning. You can learn more about our team here: www.aptusfinancial.com/about-us

From left to right:
Back row: Dr. Jim Hayman, MD - Financial Wellness Consultant; Tiffany Mattzela - Financial Wellness Manager; John Ramsey - Associate Planner; Angel Lin, AFC, CFP - Financial Planner; Rachel Hurst - Student Loan Expert; CJ Rose, CFP - Financial Planner; Jill Raderstorf, MBA, Financial Planner; Jack Wooton - Associate Planner
Front row: Tessa Buckley - Financial Wellness Coordinator; Annie Quillin - Compliance and Administrative Assistant; Xu Xu, PHD, CFA, CFP - Financial Planner; Tim Quillin, CFA - Partner, CFO, and Chief Compliance Officer; Sarah Catherine Gutierrez, CFP, CRPS - Founder, Partner, and CEO; Matt Duncan, CFA - Director of Financial Planning; Erika Agard, CFP - Financial Planner; Chris Kimmet, CFP - Financial Planner

04/28/2026

At our last Monday morning meeting, planners discussed the role of values clarification in our planning to help clients determine the spending that can really derive their personal happiness. Our superpowers are the “mathing” in the...

03/11/2026

When clients review their employer benefits, one detail that often gets overlooked is how long-term disability (LTD) insurance premiums are taxed. Yet that small decision, whether premiums are paid with pre-tax or after-tax dollars,...

11/11/2025

My parents are great people. They have taught me so much in life about resilience, kindness, compassion, creativity, hard work... the list could go on. But the one thing I didn’t really get taught? Saving. Well, that’s not quite...

10/27/2025

Ever notice how we go through life blissfully eating and using things without the faintest idea what’s actually in them? We trust labels like “beef,” “cheese,” and “fragrance” as if they’re self-explanatory, when in reality they’re...

10/27/2025

Money hasn’t changed — we all need it, we all want it, and it takes up plenty of headspace. But the rules around money? Those have definitely changed over time. The old “rules of thumb” don’t always fit today’s reality, and it’s time...

10/01/2025

October is here, and in honor of spooky season, let’s call out the money fears lurking in the dark. Instead of fearing the unknown, let’s focus on what you can control. A simple plan of consistent saving, diversification, and...