Fargo, ND
Kacie Schulz
Hi there! 👋🏼 I’m Kacie, a CERTIFIED FINANCIAL PLANNER™ professional and Enrolled Agent with more than a decade of experience in wealth management. I founded Fortify Financial to provide individuals and families with independent, fiduciary advice that brings investment, financial, and tax planning together. Throughout my career, I’ve helped hundreds of people—from those just beginning to build wealth to ultra-high-net-worth families—navigate important financial decisions with greater clarity and confidence.
Outside of work, I most enjoy spending time with my family, being active outdoors, and traveling to new places. These experiences continually remind me that financial planning is about far more than numbers—it’s about creating the freedom to spend your time on the people, experiences, and goals that matter most.
Thoughtful financial planning begins with understanding the life you want to build, then aligning every decision with the people, goals, and legacy that matter most.
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TAKE CONTROL OF YOUR FINANCIAL FUTURE
Financial Planning & Analysis
Personalized wealth management helps our clients protect their assets. We use a holistic approach to financial planning that integrates tax strategy, trust & estate planning, and risk management.
STRATEGIC, DATA-DRIVEN INVESTING TO TARGET AMBITIOUS RESULTS
Investment Management
End-to-end investment management focused on tailoring portfolios to each client’s specific circumstances and preferences. Our holistic approach will take into consideration all facets of your situation along with current economic data to optimize your portfolio's risk and return.
ESTABLISH YOUR BUSINESS SUCCESSION PLAN
Succession Planning
Building a successful business is an incredible feat, but what happens to your hard-earned legacy when you're ready to step down? We build strategic blueprints to help ensure the continued growth and success of your enterprise.
STRIVING TO MINIMIZE YOUR TAX BURDEN
Tax Optimization
We aim to take the ambiguity out of tax planning by utilizing tax-reducing strategies that encompass your overall tax liability. We do it by putting together a game plan that is specific to your needs.
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Get to know
Kacie
Kacie Schulz MS, CFP®, EA, is a wealth advisor with more than a decade of experience helping individuals and families make thoughtful, strategic financial decisions. Her approach combines investment management, financial planning, and tax considerations to help clients bring greater clarity and intention to every part of their financial lives.
Kacie began her wealth management career at Merrill Lynch in 2013 and became a CERTIFIED FINANCIAL PLANNER™ professional in 2017. After transitioning to an independent firm in 2019, she earned a Master of Science in Family Financial Planning and deepened her commitment to providing advice grounded in each client’s best interests. In 2022, she founded Fortify Financial to deliver independent fiduciary guidance with a more personal, integrated approach. She later became an Enrolled Agent, expanding her ability to incorporate tax considerations into portfolio and planning decisions.
Throughout her career, Kacie has advised hundreds of individuals—from those beginning to build wealth to ultra-high-net-worth families. She works closely with business owners, executives, professionals, and multigenerational families, helping them navigate complex decisions involving retirement, investments, taxes, education planning, and legacy.
Outside of work, Kacie enjoys spending time with her family, being active outdoors, and traveling.
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How did you become a financial advisor?
My interest in personal finance began at age 12, when a local bank owner visited my sixth-grade class and introduced us to the power of compound interest. That curiosity stayed with me through college, having graduated during the 2008 financial crisis. At 27, I began working in wealth management and quickly realized how much I enjoyed a field that brings together finance and economics with psychology, education, and meaningful client relationships.
What types of clients do you work with?
I work with proactive problem-solvers who value hard work, resilience, innovation, and opportunity. My clients include business owners, executives, and other leaders across engineering, technology, healthcare, and higher education. I also work with Midwest farm and ranch families, as well as snowbirds whose lifestyles and financial needs span multiple states.
What areas of expertise do you have?
Integrated tax planning is a key focus of my practice. In addition to being a CERTIFIED FINANCIAL PLANNER® professional, I pursued a tax credential to deepen my understanding of how tax considerations intersect with investment and financial planning decisions. This perspective helps me evaluate strategies such as tax-loss harvesting, Roth conversions, tax-deferred savings, business income and expense planning, charitable giving, and education planning as part of a client’s broader financial picture.
What kinds of strategies do you help clients with?
I help protect my clients’ time by bringing clarity and structure to complex financial decisions. My work often includes tax-optimized portfolio allocation, small-business retirement planning, Roth conversions, retirement withdrawal strategies, education savings, and multigenerational planning.
What is your favorite part of working with clients?
I love learning about the experiences that have shaped my clients and understanding where they hope to go next. Every person has a unique story that influences the life they want to build and the legacy they hope to leave behind. Helping clients bring that vision into focus is what makes wealth advisory so interesting and incredibly rewarding.
What is it like partnering with Savvy?
I value Savvy’s unique combination of intuitive technology and a deeply mission-driven team. Its modern platform and efficient workflows allow me to spend less time navigating administrative complexities and more time delivering thoughtful, best-interest advice to my clients.
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Neither Savvy Wealth, nor Savvy Advisors compensates directly for testimonials or endorsements provided herein, by advisers. However advisors may have an indirect financial incentive to provide testimonials.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization’s initial and ongoing certification requirements to use the certification marks.