Joshua Zorger

CFP®

Fortitude Private Wealth, Inc

President

Joshua Zorger

CFP®

Fortitude Private Wealth, Inc

President

The business model of the future provides investment management and financial planning based on a fee-only, fiduciary standard of care. The industry is moving towards this business model because individual investors are figuring it out. They are demanding transparency, conflict-free advice and that their advisor puts their best interest first. - Joshua Zorger, CFP®

Fortitude Private Wealth is an independent, fee-only registered investment advisor serving clients in nine states. We serve entrepreneurs, executives, small business owners, retirees and families.

Joshua Zorger is a Carmel, IN fee-only financial planner. Fortitude Private Wealth, Inc provides comprehensive and objective financial planning to help clients organize, grow and protect their assets through life’s transitions. As a fee-only, fiduciary, and independent financial advisor, Daniel Doyle is never paid a commission of any kind, and has a legal obligation to provide unbiased and trustworthy financial advice.

Josh Zorger founded Fortitude Private Wealth in 2014. He grew up in Northeastern Indiana and relocated to Chicago after graduating from Indiana University's Kelley School of Business to pursue a career in finance. He started his career at Bank of America in Chicago as a securities analyst within structured credit products, performing pricing and risk analysis on credit derivatives portfolios. He later joined Banc of America Investment Services in Chicago as a financial advisor. In 2007, Josh became in independent financial advisor with LPL Financial. In 2017, Josh made the decision to end his affiliation with a broker-dealer and make Fortitude Private Wealth an independent, fee-only registered investment advisory firm.

Josh is a Certified Financial Planner™ practitioner.  By earning certification by the CFP Board, he has taken extra-steps to demonstrate his professionalism by voluntarily submitting to the rigorous CFP® certification process that includes highly demanding education, examination, experience and ethical requirements.

Honest and straightforward, Josh treats his clients like they are members of his own family. He understands and appreciates that the success of Fortitude Private Wealth is directly correlated with the financial success of his clients.

Josh and his wife Stephanie have 4 children and are active members of their community and their parish, Our Lady of Mount Carmel Catholic Church. Josh enjoys coaching his children in sports activities and being a hands-on dad to their growing family.


As a young advisor in his early-40's, Josh will be a good fit for clients who are looking for a direct, long-term relationship with the owner of an investment advisory firm. Josh is very detail oriented and proactive with his clients. Some companies pride themselves on their size. It is Josh's experience that most investors want personalized service that is consistent. This can be a challenge for larger companies. His clients understand that they are NOT just another number. 

Before hiring an Investment Advisor, Josh recommends the following checklist when making your selection.

  1. Please disclose all of the ways that you are compensated. Will your recommendations ever affect or change how you are compensated?
  2. Do you receive any type of sales related compensation or bonus?
  3. How often do you communicate with your clients? Will I have a specific review schedule?
  4. How will you make investment changes for me and how often will these changes occur? Would you have full discretion on my account to make these investment or trading changes? (Keep in mind that if the Investment Advisor does not have full discretion, you are essentially in a buy-and-hold portfolio. The fees on a buy-and-hold portfolio with minimal changes should be different then the fees on a discretionary portfolio with more activity.) 
  5. Do you plan to limit the number of clients that you have in the future or set a cap on your client relationships? I have heard financial advisors brag about how many clients that they have. If a financial advisor has hundreds of clients, how will they find the time to provide great service to you?

Joshua Zorger is a Member of the National Association of Personal Financial Advisors

The National Association of Personal Financial Advisors (NAPFA) is a leading professional association of Fee-Only financial advisors - highly trained professionals who are committed to working in the best interests of those they serve.

NAPFA members live by three important values:

  • To be the beacon for independent, objective financial advice for individuals and families.
  • To be the champion of financial services delivered in the public interest.
  • To be the standard bearer for the emerging profession of financial planning

Fortitude Private Wealth is an independent, fee-only registered investment advisor serving clients in nine states. We serve entrepreneurs, executives, small business owners, retirees and families.

What differentiates Fortitude Private Wealth (FPW) from the other local options available to you?

1. Exclusivity. You will have a personal relationship with the owner of the firm. You will not be shuffled between multiple advisors.

2. In-House, Low-Cost Portfolio Management. All trading is executed in-house using TD Ameritrade Institutional iRebal technology. This keeps your cost down and provides greater control over trade timing and security selection.

3. FPW does not charge Investment Advisory clients an additional fee for wealth management and financial planning. Some firms are moving towards a separate fee for wealth management and investment management. That is not something that we do or will do at FPW.

4. Tax Planning is a major focus of our financial planning and investment management process. No recommendations will be made without a thorough review of tax implications. Collaborating with outside tax advisors is a normal part of this process.

5. FPW specializes in helping single-person business owners who have high cash flows and are looking for options to lower taxes and increase savings for retirement. If you own a business and do not have any additional W2 employees, please contact us to discuss potential solutions to increase your pre-tax savings amount.

Fee-Only, Fiduciary, Independent: Three Important Criteria to Consider When Choosing a Financial Advisor.

Specialties

  • Tax Planning for Small Business Owners to Maximize Retirement Savings and Minimize Tax Liability
  • Retirement Income Planning & Social Security Maximization
  • Required Minimum Distribution & Roth IRA Conversion Planning
  • In-House, Low-Cost Portfolio Management and Trading
  • Customized Investment Objective Selection with Investment Policy Statement

Ideal Clients

  • Small Business Owners That Have High Cash Flows Looking to Increase Savings and Minimize Taxes
  • Individuals Approaching Retirement or in Retirement
  • Families looking for Multi-Generational Planning and Preservation of your Families Legacy
  • Individual Savers Who Want to Achieve Financial Independence

Working Together

  • Complimentary Initial Consultation
  • Customized Communication Schedule
  • Transparent Investment Advisory and Financial Planing Fee Schedule
  • Quarterly Performance Reports for Investment Management
  • Real-time Account Access to FPW Client Portal powered by eMoney Advisor
  • Real-time Account Access through TD Ameritrade

Professional Designations & Affiliations

  • National Association of Personal Financial Advisors (NAPFA)
    Joshua Zorger is a NAPFA-Registered Financial Advisor

    The National Association of Personal Financial Advisors (NAPFA) is a leading professional association of Fee-Only financial advisors—highly trained professionals who are committed to working in the best interests of those they serve.

  • Certified Financial Planner (CFP)
    Joshua Zorger is a CERTIFIED FINANCIAL PLANNER™ Professional - Click for Verification

    CFP® professionals are held to strict ethical standards to ensure financial planning recommendations are in your best interest. What’s more, a CFP® professional must acquire several years of experience related to delivering financial planning services to clients and pass the comprehensive CFP® Certification Exam before they can use the CFP® designation.

Contact Joshua Zorger

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Office Locations:

  • 1980 E 116th St
    Suite 350
    Carmel, IN 46032

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