Business Details
33 Years
experience
Your Trusted Partner for Comprehensive Financial Planning
Since 1993, Vector Wealth Management has dedicated itself to acting solely in clients' interests as a fiduciary. Our mission centers on providing clarity and confidence in financial decision-making through SOJOURN, our proprietary wealth management application designed to address complex financial challenges. With a team-based approach, we combine decades of collective experience across financial planning, investment management, and advanced tax strategies to serve retirees, business owners, and high-net-worth individuals. Our fee-based model emphasizes transparency, while our collaborative framework leverages multiple perspectives to create customized solutions.We maintain rigorous compliance standards and hold industry-recognized certifications, including CFP, CFA, and ChFC designations. Our 30-year legacy reflects a commitment to ethical practices, continuous innovation, and client-centric relationships that prioritize long-term financial stability over short-term gains. This approach has established us as trusted advisors in navigating life events and market uncertainties.
Services
Retirement Planning
Investment Management
Tax Planning
Estate Planning
Business Transition Planning
Risk Management
Education Planning
Charitable Giving
Portfolio Management
Financial Counseling
Details
- Year established: 1993
Highlights and features
- We operate as fiduciaries with a legal obligation to act in clients' best interests
- Our proprietary SOJOURN platform integrates comprehensive financial planning with investment management
- Team of CFP, CFA, and ChFC professionals with combined 100+ years of experience
- Fee-based model ensures transparent, conflict-free advisory services
- Proven track record serving clients through market cycles since 1993
Associations and certifications
- Registered Investment Adviser (RIA)
Services
Retirement Planning
Comprehensive retirement strategy development addresses income distribution, tax efficiency, and longevity risk. Our approach integrates Social Security optimization, pension planning, and withdrawal sequencing to create sustainable income streams. We help clients transition from asset accumulation to wealth preservation while maintaining liquidity for unexpected needs.
Investment Management
Active portfolio management combines strategic asset allocation with tax-efficient investing. We implement disciplined rebalancing protocols and risk management frameworks tailored to individual goals. Our process emphasizes cost-effective solutions, minimizing turnover, and leveraging both traditional and alternative investments to meet specific risk-return objectives.
Estate Planning
Integrated estate planning services coordinate with legal professionals to minimize tax liabilities and ensure smooth wealth transfer. We analyze wills, trusts, and beneficiary designations while addressing state-specific considerations like Minnesota's estate tax implications for non-residents with property holdings.
Business Transition Planning
Specialized business succession planning addresses valuation, tax implications, and ownership transfer strategies. Our services help business owners prepare for liquidity events while aligning exit timelines with personal financial goals and market conditions.
Tax Planning
Proactive tax planning identifies opportunities for tax-loss harvesting, Roth conversions, and income-shifting strategies. We coordinate with CPAs to implement year-round tax-efficient investment decisions and leverage legislative changes like the One Big Beautiful Bill Act provisions.
People
Thomas G. Fee
Chairman
Founder with 30+ years experience in fiduciary financial services. Established Vector Wealth Management's client-centered philosophy emphasizing ethical standards and long-term relationship building.
Sharon Calhoun
Managing Director, Senior Wealth Advisor
Certified financial planner with multiple designations including CFP, ChFC, and CDFA. Specializes in complex estate planning and divorce financial analysis with 25 years of client advisory experience.
Jason Ranallo
Chief Operating Officer
CFA charterholder overseeing portfolio management. Brings 20 years of institutional investment experience to Vector's disciplined investment process and market analysis frameworks.
Joseph C. Grochowski
Senior Wealth Advisor
Certified financial planner with expertise in retirement income strategies. Focuses on helping clients navigate Medicare changes and integrate healthcare costs into long-term financial plans.
Suzanne M. Klapperich
Wealth Advisor
Dual-role compliance officer and advisor with focus on cybersecurity risk management. Educates clients about online scam prevention and secure financial data handling practices.
Questions
What services does Vector Wealth Management offer?
We provide comprehensive financial planning, investment management, retirement planning, tax optimization, estate planning, business transition strategies, and risk management solutions tailored to individual client needs.
Are you legally required to act in my best interest?
Yes, as a registered investment adviser, we operate as fiduciaries with a legal obligation to prioritize client interests above all other considerations in our advisory relationships.
How does Vector's SOJOURN approach differ from traditional financial planning?
SOJOURN integrates financial planning with investment management through proprietary technology, enabling continuous strategy adjustments that reflect evolving market conditions and life circumstances.
Do you work with out-of-state clients?
Yes, we serve clients across the U.S., including non-residents with Minnesota property holdings who require specialized estate tax planning expertise.
How are Vector advisors compensated?
We use a transparent fee-based model where compensation is directly tied to assets under management, eliminating conflicts of interest associated with commission-based products.
What investment philosophy do you follow?
Our disciplined approach emphasizes strategic asset allocation, tax-efficient investing, and regular rebalancing guided by long-term financial goals rather than short-term market fluctuations.
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