Elevated Retirement Financial Services

Business Details

Your Trusted Partner for Comprehensive Retirement Planning in Madison, MS

Founded by Vinicius "V" Hiratuka, CPA, CFP, Elevated Retirement Financial Services was established to empower individuals in achieving financial independence during retirement. With over a decade of experience in financial planning and investment management, our firm specializes in creating personalized retirement strategies tailored to each client's unique goals. We prioritize a fiduciary duty to our clients, ensuring all recommendations align with their best interests while maintaining transparency in pricing and operations. Our team combines expertise in tax minimization, estate planning, and healthcare strategies to provide comprehensive solutions. Partnering with Charles Schwab for secure asset custody, we deliver proactive service through regular portfolio monitoring and client communication.

We believe in simplifying retirement planning by focusing on diversified investment portfolios that balance risk and reward. Our commitment to ongoing education and adherence to industry standards ensures clients receive informed, ethical guidance. Located in Madison, Mississippi, we serve clients nationwide through virtual consultations and personalized support. By emphasizing long-term relationships and clear communication, we help clients navigate the complexities of retirement with confidence. Our mission remains centered on enabling clients to focus on their priorities while we manage the financial details.

Services

Financial Planning Retirement Planning Investment Management Tax Minimization Strategies Estate Planning

Highlights and features

We operate as fiduciaries with a legal obligation to act in your best interest
Our transparent fee-only structure eliminates conflicts of interest
We implement evidence-based investment strategies focused on long-term growth
We provide comprehensive retirement planning covering tax, healthcare, and estate needs
We maintain client assets through Charles Schwab's secure custodial services

Associations and certifications

CFP (Certified Financial Planner)
CPA (Certified Public Accountant)

Website

Update Listing

Services

Financial Planning

We develop comprehensive financial plans addressing retirement goals, cash flow management, and risk assessment. Our approach integrates tax-efficient strategies and long-term wealth preservation techniques. Clients receive personalized guidance to navigate complex financial decisions with clarity and confidence.

Retirement Planning

Our retirement planning service creates tailored roadmaps for transitioning into retirement. We analyze Social Security optimization, healthcare costs, and sustainable withdrawal strategies. The process includes ongoing portfolio adjustments to maintain alignment with evolving life circumstances and market conditions.

Investment Management

We implement diversified investment portfolios based on modern portfolio theory principles. Our approach emphasizes risk-controlled asset allocation with periodic rebalancing. We focus on minimizing fees while maximizing after-tax returns through strategic investment selection and monitoring.

Tax Minimization Strategies

Our tax-efficient planning incorporates Roth conversions, tax-loss harvesting, and strategic withdrawal sequencing. We coordinate with CPAs to optimize tax outcomes across investment accounts and retirement income streams. The goal is to preserve wealth through legally compliant tax reduction methods.

Estate Planning

We collaborate with legal professionals to establish effective estate plans. Services include beneficiary designation review, trust implementation, and legacy planning strategies. Our approach ensures smooth wealth transfer while minimizing probate requirements and tax implications.

People

Vinicius V Hiratuka

Founder & Financial Advisor

CPA and CFP professional with graduate studies from Vanderbilt University. Born in Brazil, he brings international perspective to retirement planning. Specializes in fiduciary advisory services and evidence-based investment strategies for financial independence.

Questions

What services does Elevated Retirement offer?

We provide financial planning, retirement planning, investment management, tax minimization strategies, and estate planning services tailored to individual retirement goals.

Are you a fiduciary financial advisor?

Yes, we operate as fiduciaries with a legal obligation to prioritize client interests in all financial recommendations and investment decisions.

How are your fees structured?

We maintain a transparent fee-only structure with no commissions or hidden charges, ensuring complete alignment with client objectives.

Do you work with out-of-state clients?

Yes, we serve clients nationwide through virtual consultations and digital document management while maintaining our Madison, Mississippi headquarters.

What investment philosophy do you follow?

We implement diversified portfolios based on modern portfolio theory, focusing on risk-controlled asset allocation rather than market timing or speculative investments.

How often do you meet with clients?

We schedule regular reviews at least twice annually with additional meetings available upon request for portfolio adjustments or financial life changes.

Reviews (6)

Write a Review

Bethany Pigott

Apr 03, 2021 Report

Positive:Professionalism,Quality,Responsiveness
Elevated Retirement helped me and my husband transfer some of our retirement accounts and it was so easy! I appreciate how personal the process is. We feel very well taken care of. I would recommend Elevated Retirement to anyone looking for a financial advisor!

Ross Watters

Mar 31, 2021 Report

V at Elevated Retirement is extremely knowledgeable and trustworthy. I can always count on him to not only take care of my retirement but to answer any type of financial question or concern I have. If you would like to have a personal connection to a trustworthy person in charge of managing your assets then I highly suggest Elevated Retirement.

Nate Quarterman

Mar 31, 2021 Report

Positive:Responsiveness,Value
Working with someone who understands our goals and listens to how we approach finances is NIGHT AND DAY compared to our last financial advisor. We saved money, paid down debt, and have really increased our net worth with the guidance from Vinicius and Elevated Retirement. Strongly recommend!

Tess

Mar 26, 2021 Report

V is everything you would look for in a financial advisor. He takes time and explains everything thoroughly. He makes sure that you understand things, and answers any questions that you may have. You can call, text, or e-mail him any time, and he will respond in a very timely manner. You never feel like you have a silly question. Always friendly, understanding, and professional.

Marie Ferderer

Mar 24, 2021 Report

My husband and I have recently begin working with V to plan our financial future. We have been very impressed by his knowledge and his professionalism. He always responds extremely quickly, and has been willing to work flexibly around our hectic schedules. We are very happy with the financial plan he made for us, and feel confident that we are in good hands.

Chris Butler

Mar 23, 2021 Report

Positive:Professionalism,Quality,Responsiveness,Value
V has helped my family and I work toward of goal of achieving financial freedom and independence! The attention to detail and consistency to ensure that we are 100% satisfied goes without saying and is unparalleled. My wife and I are thoroughly pleased and truly grateful to be a part of Elevated Retirement.