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Virtue Asset Management

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Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Virtue Asset Management, Financial planner, 308 W. Main Street, Barrington, IL.

08/01/2026

Nothing says a successful birthday sleepover morning like a box of donuts from Dunkin! 🍩

A big thank you to Dunkin for helping make the celebration a little sweeter. It's always great to support a valued Barrington Area Chamber of Commerce (BACC) member while treating a house full of hungry kids.

The donuts were devoured in minutes, leaving Dad still hungry. Lesson learned for next year: order an extra dozen! 😂

Thanks again to Dunkin for helping make the birthday celebration a memorable one.

07/24/2026

Inheriting an IRA used to be a simple strategy of stretching distributions over a lifetime. Today, the rules have changed: and the "10-year rule" is far more complex than it sounds.

If you are a beneficiary of an inherited IRA, simply waiting until the end of the 10-year window could trigger a massive tax bill or, worse, a 25% penalty for missed distributions. Under the latest SECURE Act 2.0 regulations for 2026, many heirs are now required to take Annual Required Minimum Distributions (RMDs) during years 1 through 9.

At Virtue Asset Management, we specialize in helping high-net-worth families in Barrington and the greater Chicago area navigate these shifting tax landscapes. Whether it is coordinating with your CPA or exploring advanced strategies like Charitable Remainder Trusts (CRTs) and strategic bracket management, we provide the personalized, fiduciary guidance needed to protect your legacy.

Our latest blog breaks down the 2026 requirements and three key strategies to avoid costly mistakes.

Read the full guide here: https://virtueam.com/the-10-year-rule-for-inherited-iras-in-2026-how-to-avoid-costly-tax-mistakes/

07/22/2026

For many Chicago executives, a concentrated stock position is a double-edged sword: it is the primary source of your wealth, but also your greatest portfolio risk.

Whether you are holding RSUs, stock options, or founder shares, having a single company represent a large percentage of your net worth can be unsettling. The challenge is not just deciding to diversify, but determining how to do so without triggering an immediate and substantial tax bill.

In our latest blog post, we explore three tax-aware strategies specifically for executives in Chicago, Barrington, and across the North Shore:

1. Systematic Diversification & Rule 10b5-1 Plans: A structured approach to help spread taxable gains over multiple years while managing insider trading restrictions.

2. Exchange Funds (Swap Funds): A method to achieve diversification by pooling shares with other investors, potentially deferring capital gains taxes under specific conditions.

3. Equity Collars & Charitable Remainder Trusts (CRTs): Sophisticated tools designed to help manage downside risk or integrate your philanthropic goals into your exit strategy.

At Virtue Asset Management, we operate under a fiduciary standard, providing personalized, boutique-style advisory services to help high-net-worth families navigate these complexities.

Read the full guide on our website: https://virtueam.com/concentrated-stock-positions-3-tax-aware-strategies-chicago-executives-should-understand/

07/17/2026

Are you maximizing the "bridge years" of your retirement?

Retiring before age 73 presents a unique window of opportunity: one that many high-net-worth families in the Chicago suburbs often overlook. In our latest guide, we dive into the "2026 Barrington Guide to Tax-Efficient Retirement Income Bridges."

With the TCJA provisions set to sunset, 2026 is a pivotal year for Roth conversions. We explore how to strategically sequence your withdrawals: prioritizing taxable accounts first to fill lower tax brackets: while avoiding the RMD "tax cliff" and IRMAA surcharges that can impact your Social Security.

Whether you're navigating the complexities of Illinois tax or considering a relocation strategy to Nevada, having a "quarterback" to coordinate with your CPA and attorney is essential for a seamless plan.

Read the full guide: https://virtueam.com/the-2026-barrington-guide-to-tax-efficient-retirement-income-bridges/

07/13/2026

The market’s second-quarter rebound has the S&P 500 up 10.21% year-to-date, fueled by an earnings season that surpassed expectations.

In our 2026 Q2 Review & Outlook, we take a deep dive into the evolving AI investment cycle. While "hyperscalers" like Microsoft and Meta continue to invest heavily, the real momentum is shifting toward the infrastructure providers: the companies building the chips, networking, and memory that power next-gen data centers.

Key takeaways from the report:
📈 Earnings growth reached 28.8% YoY in Q1, led by a 54.8% surge in Tech.
🏦 Federal Reserve Update: Investors are watching new Chair Kevin Warsh as the market prices in a 41% chance of a rate hike.
📊 Diversification wins: S&P Mid Cap 400 (+17.39%) and Small Cap (+23.97%) are showing significant strength YTD.

At Virtue, we’ve adjusted portfolios to increase exposure to AI infrastructure beneficiaries while remaining constructive on equities through 2027.

Read our full analysis and outlook for the second half of the year: https://virtueam.com/2026-second-quarter-review-outlook/

07/07/2026

Is your financial life getting too complex to manage on your own?

Deciding when to hire a financial advisor is rarely about reaching a specific net worth: it is about the complexity of the milestones you are facing. As we navigate 2026, the financial landscape for high-net-worth families requires more than just a standard DIY approach.

Our latest guide covers 6 clear scenarios where professional guidance becomes essential:

- Navigating a sudden inheritance or windfall.
- Preparing for the sale of a business.
- Managing risks associated with concentrated stock.
- Planning a tax-efficient relocation (like moving from IL to NV).
- Building a reliable income bridge for your retirement transition.
- Managing complex family dynamics and estate planning.

At Virtue Asset Management, we operate as fee-only fiduciaries. This means our advice is 100% unbiased, commission-free, and legally bound to your best interests. We provide the personalized attention of a boutique firm with the deep expertise Chicago families expect.

Read our practical guide for 2026 on our blog to see if it is time for you to partner with a specialist.

06/15/2026

Retirement isn’t just a date on the calendar; it’s a multi-year transition. For Chicago executives, the 5 years leading up to your final day are critical. Navigating RSUs, deferred compensation, and potential relocations: like moving from IL to NV: can cause "paralysis by analysis" without a clear roadmap.

Our latest blog post shares "The 5-Year Retirement Countdown," a checklist tailored for high-net-worth professionals in Chicagoland. We break down the process year-by-year, from establishing your baseline in Year 5 to finalizing liquidity in Year 1.

As a fee-only fiduciary firm, Virtue Asset Management provides the boutique expertise required to navigate these complexities. We ensure your investments, taxes, and estate planning work together in a personalized, cohesive strategy.

Read the checklist on our blog: https://virtueam.com/the-5-year-retirement-countdown-a-retirement-planning-checklist-for-chicago-executives/

06/04/2026

Concentration builds wealth, but diversification preserves it. While many successful families reached their goals through a single business or a lucky stock pick, staying there can be a risky game.

In our latest blog, we dive into the critical difference between single-stock and sector concentration. Owning one company is a clear risk, but many investors fall for the "illusion of diversification": owning 20 different stocks that all move in the same direction because they’re in the same sector. If your portfolio is heavy on tech, you might not be as diversified as you think.

True risk management isn't just about how many stocks you own, but how they behave relative to each other. At Virtue Asset Management, our boutique, fiduciary approach means we take a deep look at your entire balance sheet to ensure your strategy matches your long-term goals.

Read the full guide: https://virtueam.com/beyond-the-basket-understanding-the-risks-of-stock-and-sector-concentration/

06/03/2026

Managing a concentrated stock position is a high-stakes balancing act. For many executives, the 23.8% tax hurdle on low-cost basis shares often leads to "paralysis by analysis."

At Virtue Asset Management, we believe you shouldn't have to choose between tax efficiency and risk management. As a boutique, fiduciary firm, we provide personalized strategies designed to protect your wealth and legacy.

Our latest guide explores three key methods to manage concentrated positions in 2026:

🔹 Zero-Cost Collars: Hedging downside risk while capping upside, typically for no net premium.
🔹 Exchange Funds: Diversifying into a broad portfolio without triggering immediate capital gains.
🔹 Direct Indexing: Offsetting gains through tax-efficient, customized portfolio construction.

You deserve an advisor who puts your interests first with direct access to the experts managing your money. Discover how our boutique approach helps high-net-worth families navigate these complex financial hurdles.

Read the full Executive’s Guide: https://virtueam.com/the-executives-guide-to-hedging-low-cost-basis-stock-in-2026/

05/29/2026

Please help us welcome our newest team member, Abhishek Dumbre!

Abhishek joins us this summer as an intern, bringing with him an impressive background from the Gies College of Business at the University of Illinois Urbana-Champaign. His passion for the markets isn't exactly new: he’s been an avid investor since the 7th grade!

At Virtue, we value the kind of curiosity and strategic thinking Abhishek displays. Whether he’s digging into market research or applying a disciplined mindset to portfolio construction, he’s already fitting right into our client-first, fiduciary culture.

When he’s away from the desk, you’ll likely find Abhishek on the pickleball court, playing guitar, or testing his strategy at a poker table. We’re excited to have his energy and perspective in the office this summer as we continue providing boutique, personalized service to our clients.

Welcome to the team, Abhishek!

Address

308 W. Main Street
Barrington, IL
60010

Telephone

+18478927145

Website

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