Consus Wealth Management Group, LLC Brings an Integrated Perspective to Modern Retirement Planning

Consus Wealth Management Group, LLC has observed that retirement planning has increasingly become more complex between protecting and growing incomes, tax efficiency, and long-term healthcare and legacy considerations. Yet, it notes that many individuals continue to rely on broad risk questionnaires and standardized portfolio templates that may leave important personal variables unaddressed.

Financial concerns remain widespread across generations, with 77% of Americans feeling anxious about their financial situation, while 54% of non-retirees question whether they will be financially prepared for retirement. Within that environment, Consus has developed a planning model designed to connect investment management, tax strategy, retirement income planning, and estate coordination into a more unified framework.

Founded in 2008 by Thomas L. Costantiello, CFP®, CTS™, CES™, QPFA®, the firm was built on the idea that retirement planning works best when financial decisions operate in coordination instead of isolation. Costantiello began his career in 1993 at Fidelity Investments, where he developed an extensive understanding of portfolio construction and investor behavior during changing market cycles.

Over time, he became increasingly interested in building a broader advisory structure capable of incorporating tax planning, estate planning, retirement income strategies, and investment oversight within the same planning process. “Retirement is no longer just about choosing investments,” Costantiello says. “People want to understand how every financial decision affects their income, taxes, family goals, and long-term quality of life.”

That philosophy became the foundation of Consus’ integrated planning model. Clients work through a process that evaluates cash flow needs, retirement income projections, tax exposure, estate planning objectives, investment positioning, and healthcare-related considerations simultaneously. Costantiello states, “Our role is to be the second set of eyes that reviews the interconnected details that can influence financial outcomes over time.”

The approach reflects a broader shift occurring among investors who increasingly seek coordination between multiple areas of planning. According to an estate planning report, 56% of U.S. adults still have no estate planning documents in place, including wills, trusts, powers of attorney, or healthcare directives. That gap may create complications when investment strategies, beneficiary designations, and legal documents are handled independently across separate providers. Consus aims to help address that issue by incorporating its in-house professionals into the planning structure so that investment decisions, legal documents, and tax strategies can align more effectively altogether.

Costantiello’s professional background influenced that emphasis on coordination. Alongside his four designations, his experience working with retirees, business owners, corporate executives, and high-net-worth families reinforced the importance of integrating disciplines that may be separated in traditional advisory relationships.

“Financial planning should reflect real life,” Costantiello explains. “Families experience career transitions, healthcare expenses, market cycles, tax law changes, and generational planning decisions all at the same time. A retirement strategy has greater value when those elements are working together.”

This approach is instrumental to the firm’s investment philosophy. Consus combines institutional research with tactical portfolio adjustments intended to reflect evolving market conditions. The firm notes that many investors remain in static portfolios for extended periods despite changes in inflation, interest rates, tax law changes, or broader economic and geopolitical trends. Through ongoing reviews and active management strategies, Consus aims to align portfolio positioning with both market conditions and retirement income objectives.

Part of that strategy includes the Consus 10, an internally developed investment model that focuses on a concentrated group of large-cap equities selected through a rules-based evaluation process. The strategy emerged from Costantiello’s longstanding interest in market concentration trends and historical studies of focused portfolio construction. Alongside institutional portfolio allocations and complementary investment strategies, the model is used as part of a broader framework designed to balance growth opportunities with income planning considerations.

The firm’s planning process extends beyond portfolio management into tax mitigation and business planning strategies as well. For business owners and executives, Consus evaluates areas such as retirement plan design, tax-efficient access to retained earnings, stock and option planning, and executive compensation strategies. Estate planning coordination also remains a significant component of the firm’s services, particularly for families seeking to simplify the transfer of assets across generations.

Behind the firm’s structure is Costantiello’s personal story of persistence and continuous development. “Preparation changes how people experience uncertainty,” he remarks. “If people understand their plan and the reasoning behind it, they can make decisions more confidently.”

Today, Consus Wealth Management Group continues to focus on comprehensive retirement planning designed around long-term outcomes, personalized guidance, and coordinated financial strategies. Through its integrated structure, the firm seeks to help clients navigate retirement planning with a broader understanding of how investments, taxes, estate planning, and income strategies connect over time.