Chris Krzus, CFP®, is a fiduciary financial advisor serving busy executives, business owners, and high-income professionals — people who are building wealth but don’t have the time or specialized expertise to manage every dimension of their financial lives. Most of his clients come to him managing complex compensation structures, equity awards, or tax situations that a generalist advisor isn’t equipped to handle.
Discovery & Fit
Most of Chris’s clients prefer to meet virtually. The first step is a straightforward introductory Zoom call — no paperwork, no obligation, no pitch. The purpose is mutual: you get a clear sense of how Chris works and whether his approach fits your situation, and Chris gets enough context to understand whether he can genuinely help you. If there’s a fit, you move forward. If there isn’t, he’ll tell you honestly.
What to expect from this step:
- A 20–30 minute introductory call, typically by Zoom
- No agenda beyond getting to know each other
- A clear answer on whether it makes sense to continue
Comprehensive Data Gathering
If you decide to move forward, we begin with a focused discovery & collaboration meeting. Prior to our call, you’ll receive a secure link to our private, encrypted financial fact-finder. This allows you to share your full financial picture at your own pace (income, assets, liabilities, compensation, retirement goals, etc.).
During our meeting, I’ll review everything you’ve shared, and we’ll have a deeper conversation about what truly matters: your values, your family’s needs, your biggest concerns, and the life you want to build. This is where we move beyond the numbers and start building a truly personalized plan together.
Chris identifies where you stand across five key areas that determine the shape of any financial plan:
- Spending — your current lifestyle and what you want it to look like going forward
- Savings — what you’re setting aside and how it’s being deployed
- Timing — when key events need to happen: retirement, a liquidity event, a major purchase
- Risk — the level of volatility you can sustain in your portfolio without making decisions you’ll regret
- Legacy — what you want to pass on, to whom, and how
Analysis & Customized Plan Development
Once Chris has a complete picture of your situation, he builds your plan. This is the most analysis-intensive phase. He works through your full financial landscape, models different scenarios, and develops a set of clear recommendations.
The central question this phase answers is: Am I on track? And if not, what needs to change, and in what order?
When the plan is ready, you’ll meet to walk through it together in full. Chris will present his findings and recommendations, explain his reasoning, and make sure you understand not just what the plan says but why. You’ll leave with a clear picture of where you stand, what the priorities are, and what happens next.
Implementation & Accountability
A financial plan is only useful if it gets implemented. Once you’ve agreed on the path forward, Chris handles the execution — coordinating the moving parts so you don’t have to. For clients with complex tax or estate situations, this includes coordinating directly with your CPA and estate attorney to make sure every piece of the plan is aligned and nothing falls through the gaps.
This is also where Chris’s referral network becomes relevant. If you need a CPA, an estate attorney, a mortgage banker, or another specialist, he can connect you with professionals he knows and trusts.
The goal of this phase is accountability on both sides — Chris follows through on what was agreed, and keeps you informed at every step.
Ongoing Review & Proactive Optimization
The financial planning relationship doesn’t end when the plan is deployed. Life changes — careers accelerate, compensation structures shift, tax laws evolve, families grow — and a plan that doesn’t adapt isn’t serving you. Chris conducts regular reviews to assess where you stand, identify anything that needs to be updated, and stay ahead of decisions before they become urgent.
For clients navigating complex equity compensation, the timing of vesting events, tax elections, and diversification strategies requires ongoing attention, not a set-it-and-forget-it approach. The same is true for clients approaching a major liquidity event or retirement transition — the decade before retirement is often when the most consequential financial decisions get made, and proactive planning during that window matters.
Ready to See If We’re a Good Fit?
If Chris’s approach resonates with your situation, reach out to schedule an introductory call.
The first conversation costs nothing and commits you to nothing.
Is Chris Krzus a fiduciary?
Yes. As a CERTIFIED FINANCIAL PLANNER® and registered investment adviser, Chris is held to a fiduciary standard — meaning he is required to act in your best interest at all times, not some of the time.
How is Wolfstone Wealth compensated?
Wolfstone Wealth is a fee-only registered investment adviser. Most clients pay a quarterly advisory fee based on assets under management. Clients who want financial planning without investment management pay a flat fee. Clients looking for an ongoing financial planning relationship have additional flexibility with an ongoing retainer. There are no commissions and no product sales, which means that Chris will never try to sell you something you don’t need.
Does Chris work with clients’ existing CPAs and attorneys?
For clients with complex tax or estate situations, Chris coordinates directly with their existing CPA and estate attorney to make sure the financial plan, tax strategy, and estate documents are aligned. He also maintains a network of CPAs, estate attorneys, and other specialists for clients who need a referral.
What happens in the first meeting with Wolfstone Wealth?
The first meeting is a brief introductory call, typically by Zoom, with no agenda beyond getting to know each other. There’s no paperwork, no commitment, and no obligation. The purpose is to determine whether Chris’s approach is a good fit for your situation. Most calls are 20–30 minutes.
Who does Chris Krzus typically work with?
Most of Chris’s clients are professionals and executives in their late thirties to mid-forties — people who are earning well, have equity compensation or RSUs they’re not sure they’re handling optimally, and feel like their finances have gotten more complicated than their current plan accounts for. They’re busy. They’re paying more in taxes than they’d like. They haven’t updated their estate documents in years. And somewhere in the back of their mind is the question: am I actually on track for where I want to be? Chris also works with clients navigating bigger transitions, including death in the family, business liquidity events, and retirement.
What does the financial planning process look like at Wolfstone Wealth?
Chris Krzus, CFP®, works through five steps with new clients: an introductory call to assess fit, a deep discovery meeting to understand your full financial picture, a plan delivery meeting with recommendations, an implementation phase where the plan is put into action, and an ongoing review relationship that adapts as your life changes. The process is designed for busy executives and professionals who want comprehensive planning — investment strategy, tax planning, estate coordination — managed in one integrated relationship.