A peaceful Minnesota-inspired lakeside scene with a dock and distant sailboat
ROOTED IN WAYZATA. FOCUSED ON YOU.

Where Wealth
Meets Meaning.

A clearer picture of your wealth.
More room for the life you want to live.

Personal wealth management for business owners, families, and professionals — from the shores of Lake Minnetonka to wherever life takes you.

Let’s Start a Conversation Explore our approach
WAYZATA, MINNESOTA A BROADER PERSPECTIVEDiscover Altura ↓

Life is bigger than your portfolio.
Your financial plan should be, too.

16+ Years of experience3rd Generation advisor360° Coordinated perspective

Welcome to Altura Wealth — a modern, values-driven wealth management firm built around one core belief: money should support a meaningful life, not distract from it.

"In wealth management, you have to understand two things: money and people — not one or the other."

— Taylor Foster, Founder

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Technical Expertise
Deep knowledge of investments, planning, taxes, and risk to protect your wealth.
⟡
Human Understanding
Behavioral coaching that keeps you disciplined when uncertainty strikes.
⟡
Clarity & Confidence
A plan you can actually follow, not a document collecting dust on a shelf.
⟡
Money as a Tool
Wealth designed to create freedom, protect your family, and elevate your life.
Taylor Foster
About Taylor Foster

A personal relationship.
A broader perspective.

You work hard for your money. You deserve a clear sense of where it’s taking you. I help individuals, families, and business owners bring purpose and direction to their financial decisions, replacing guesswork with a thoughtful roadmap built around their lives. As the founder of Altura Wealth, my goal is to make advice personal, accessible, and practical—connecting your money, mindset, and the things that give your life meaning.

With nearly two decades of experience, I bring both technical perspective and a personal understanding of the people behind the plan. Wealth management runs in my family: my grandfather began his career as a financial advisor in the 1970s, and the lessons passed down through him, my uncle David Foster, and my mentor George Klima continue to shape my approach. Their influence instilled a lasting respect for trust, sound judgment, and relationships built over time. Those values guide how I serve clients today—with careful listening, clear advice, and a commitment to doing right by the people who place their confidence in me.

Outside the office, I enjoy golfing, hunting, coaching, and cooking, along with training for HYROX competitions. The discipline, consistency, preparation, and resilience I bring to training also shape how I approach long-term financial planning: set a meaningful goal, build a sound plan, and keep showing up.

My greatest joy, though, is time with family—especially my wife and best friend, Mackenzie. Building a life together is the most meaningful part of my own journey, and between us, we’re fortunate to share in the lives of eight nieces and nephews. Those relationships are a daily reminder of the belief at the heart of Altura Wealth: money should support a meaningful life, leaving more room for the people and experiences that matter most.

Meet the Boria Wealth Management team →
A  Founder, Altura Wealth  ·  Wayzata, MN
THE PEOPLE BEHIND YOUR PLAN

A personal connection.
A team alongside you.

Altura Wealth is a division of Boria Wealth Management. Our team brings together financial advice, office management, and investment research, with a shared focus on the individuals, families, and business owners we serve.

Boria Wealth Management team, from left: Taylor Foster, Anne Wire, Patrick Boria, and Curt Stratton.
From left: Taylor Foster · Anne Wire · Patrick Boria · Curt Stratton
ALTURA WEALTH

Taylor Foster

Founder & Wealth Advisor

Founder of Altura Wealth, a division of Boria Wealth Management, helping clients connect financial decisions with the lives they want to build.

OFFICE MANAGEMENT

Anne Wire

Office Manager

Anne oversees office management for Boria Wealth Management, supporting the day-to-day work of the team.

BORIA WEALTH MANAGEMENT

Patrick Boria

Owner & Lead Advisor

With 30 years in practice, Patrick works with individuals, families, and business owners, sharing Taylor’s personal approach to financial advice and long-term relationships.

RESEARCH & MARKETS

Curt Stratton

Head Research & Market Analyst

Curt leads research and market analysis for Boria Wealth Management, bringing a dedicated research perspective to the team.

Shared perspective. Personal attention.
Wealth built around what matters to you.

Start a conversation ↗
What We Offer

All-In Wealth
Management

One comprehensive fee. One coordinated relationship. Every aspect of your financial life — managed, connected, and aligned with your goals.

01
Investment Management
Disciplined, evidence-based portfolios built around your goals and risk tolerance.
02
Financial Planning
Comprehensive planning that evolves as your life changes — not a static document.
03
Retirement Strategy
Forward-looking income planning so your retirement reflects the life you've built.
04
Tax Planning & Coordination
Tax-efficient strategies woven throughout every aspect of your financial plan.
05
Insurance & Risk Management
Protecting what you've built with the right coverage and risk structures.
06
Behavioral Coaching
Helping you stay disciplined when markets shift, emotions run high, or life gets complicated.
07
Trust & Estate Planning
Coordinating with your legal team to protect your legacy and care for your family.
08
Business Owner Planning
RSUs, stock options, pre-IPO strategy, liquidity events, and exit planning.
09
Major Life Events
Divorce, inheritance, business sale, home purchase — navigating transitions with clarity.
10
Cash Flow Planning
Aligning how you earn, spend, and save with what actually matters to you.
11
College Funding
Smart strategies to fund education without derailing your retirement goals.
12
Charitable Giving
Tax-efficient giving strategies that amplify your impact and reflect your values.
THE ALL IN BLUEPRINT

A strong foundation.
A clear next step.

Good planning brings order to competing priorities. Our blueprint connects your cash, debt, investments, and family goals—so you can see what to focus on next.

START HERE · BUILD YOUR FOUNDATION

01Emergency fundCreate room to breathe.
Start with 3–6 months of fixed expenses in accessible cash, then consider building toward 12 months as your circumstances warrant. Coordinate this target with income stability, family needs, and your broader plan. Review high-yield savings and money market options, including their liquidity, changing yields, and protections.
02Capture your employer matchMake the most of your workplace plan.
Contribute enough to your 401(k) to capture the full available employer match, considering vesting and plan rules. The match threshold is separate from the annual contribution limit. In 2026, the base employee deferral limit is $24,500; additional catch-up contributions may apply.
03Build Roth tax diversificationCreate flexibility for your future.
Evaluate IRA contributions as part of a diversified tax strategy. The 2026 base IRA limit is $7,500 per person across traditional and Roth IRAs combined. Direct Roth eligibility depends on filing status and modified adjusted gross income. When appropriate, evaluate an indirect contribution/conversion strategy with your tax professional, including existing IRA balances and potential taxes.
04Pay down high-interest debtReduce expensive obligations.
Review credit cards, auto loans, and student debt. Your blueprint uses 7.5% as a discussion point for higher-interest borrowing, rather than a universal cutoff. The right payoff order depends on rates, cash needs, taxes, and risk; expensive debt may deserve earlier attention.
05Explore an HSAConnect healthcare and long-term planning.
If eligible for a Health Savings Account, consider contributions within the applicable annual limits. Review your health plan and other coverage, healthcare spending, and any employer contributions. Coordinate HSA decisions with Medicare enrollment and your tax professional.
06Fund your children’s futureGive future milestones a place in the plan.
Consider 529 education plans and other eligible child-focused accounts based on your family’s goals, time horizon, and tax situation. Balance these priorities with your own retirement security and review account ownership, beneficiaries, and withdrawal rules.
07Build beyond retirement accountsAdd flexibility to long-term wealth.
Consider a joint taxable brokerage account for additional investing after cash reserves and near-term needs are addressed. Coordinate ownership, diversification, tax efficiency, and the timing of goals. Account transfers do not count as new savings.
08Review lower-interest debtChoose your balance of freedom and flexibility.
Evaluate extra payments on a mortgage or other lower-rate loans alongside investing and liquidity needs. Your blueprint uses loans below 7.5% as a starting point for this discussion. The decision is personal: consider the actual rate, tax treatment, time horizon, and comfort with debt.

Educational framework, not a prescribed order for every household. Eligibility, contribution limits, tax treatment, and account protections vary. Reserve targets and the 7.5% debt threshold are planning reference points. Insurance and other protection needs are reviewed throughout the process.

ALL IN GOALS-BASED PLANNING

Every dollar.
A purpose and a timeline.

An emergency fund and a retirement portfolio have different jobs. We match the investment conversation to when you need the money, how much flexibility you have, and the risk you can bear.

0–3 years

Short-term goals

Emergency fund & near-term needs

  • Cash & money market100%

Prioritize access and stability for money you may need soon. Cash and money market products have different protections and risks.

5–15 years

Mid-term goals

College, a home & meaningful milestones

  • Equities50%
  • Bonds30%
  • Cash20%

Balance growth potential with a mix of assets, revisiting risk as the spending date approaches.

15+ years

Long-term goals

Retirement & generational wealth

  • Equities80%
  • Bonds20%

Consider growth-oriented investing for distant goals while keeping diversification, volatility, and your ability to stay invested in view.

THE TIME HORIZON PRINCIPLE

The right risk starts with the right question:
“When will you need this money?”

A longer horizon may allow more market risk, but your capacity for loss, cash needs, and comfort with volatility matter too. Goals between these sample ranges are planned individually.

Hypothetical allocations adapted from the Altura Wealth Blueprint for educational illustration only. They are not model recommendations, forecasts, or guarantees. All investing involves risk, including loss of principal. Diversification does not ensure a profit or prevent a loss. Your allocation should reflect your individual circumstances.

Connect your goals to a plan ↗
THE HABIT BEHIND THE PLAN

Become a
World Class Saver.

One of my goals for every client is to become a world class saver. That starts with a repeatable habit: give your future a place in today’s budget, then put the plan into motion.

“It’s not just what you earn.
It’s what you consistently keep.”

ILLUSTRATIVE HOUSEHOLD · 2026

A sample family.
A purposeful savings plan.

Married couple, both under age 50
$350,000 combined gross annual income

$93,000Saved annually
26.6%Of gross income
$7,750Monthly equivalent
How the sample household directs new savings
Where it goesAnnual savings
High-yield savingsEmergency reserves & near-term goals$24,000
Roth IRA strategy*$7,500 per spouse · eligibility & tax review required$15,000
401(k) contributions$24,500 per spouse · employee contributions$49,000
529 education plansCombined household contribution for the kids$5,000
Total new annual savings$93,000

$93,000 saved ÷ $350,000 gross income = 26.6% savings rate

BUILD THE HABIT. RAISE THE BAR.

Progress, with a purpose.

We use 20% of gross income as a planning goal to work toward—not a pass-or-fail test. Your starting point and the right target depend on your life.

Build your savings plan ↗

01Automate the intention. Direct savings before everyday spending takes over.

02Give each account a job. Connect cash, retirement, and education savings to real goals.

03Grow into the habit. Revisit contributions as income, priorities, and family needs change.

Hypothetical illustration, not an actual client or a recommendation for every household. Savings rate includes new household contributions only; it excludes employer matches, investment returns, transfers, and conversions of existing assets. Monthly amounts are annual totals divided by 12. Assumes each spouse has sufficient eligible compensation and access to a 401(k); no catch-up contributions are included. The $5,000 education allocation is a savings goal, not a 529 contribution limit.

*2026 base limits are $7,500 per person across traditional and Roth IRAs combined and $24,500 per person for 401(k) employee deferrals. Direct Roth IRA contributions phase out at modified adjusted gross income of $242,000–$252,000 for married couples filing jointly. This example does not assume direct Roth eligibility at $350,000 of household income. An advisor and tax professional would evaluate whether an indirect contribution/conversion approach is appropriate, including existing IRA balances and potential taxes. 2026 IRS limits ↗

THE PHASES OF MONEY

Your life evolves.
So should your plan.

Building wealth is only part of the story. We help connect what you’re working toward today with the freedom, experiences, and legacy you want tomorrow.

Four-phase roadmap: accumulation, transition, retirement, and legacy. Grow and protect, position and prepare, convert and draw, preserve and pass on.Explore the full roadmap ↗

Where are you today? Choose a phase to explore your priorities.

People at work

Build a life. Build your wealth.

Grow & protect — with every decision connected to your bigger picture.

Talk about your next chapter ↗

These phases overlap, and legacy planning can begin at any age. Reserve targets are illustrative and personalized to your needs. Roth conversions can create current income taxes. RMD timing depends on birth year and account rules; the starting age increases to 75 beginning in 2033 under current law. IRS RMD guidance ↗

A PREVIEW OF YOUR RETIREMENT PLAN

Three buckets.
One coordinated income plan.

Give each dollar a purpose. Separate near-term spending from money invested for later, then connect the pieces with a thoughtful withdrawal and refill strategy.

BUCKET 01

Liquidity

Years 1–2

For life right now.

What may go inside

Cash, high-yield savings, and short-term Treasury bills.

Its purpose

Help fund portfolio withdrawals and unexpected expenses, reducing the need to sell longer-term investments during a downturn.

BUCKET 02

Income

Years 3–10

For the years ahead.

What may go inside

A tailored mix that may include high-quality bonds, income-oriented investments, and fundamentally sound growth and value stocks.

Its purpose

Support the next stage of spending and help replenish cash, with risks and costs reviewed for each investment.

BUCKET 03

Growth & legacy

Years 10+

For a bigger tomorrow.

What may go inside

Diversified stocks and growth-oriented funds, held in accounts chosen with tax and estate goals in mind.

Its purpose

Seek long-term growth to help address inflation and support future spending, giving, and your legacy.

THE CONNECTION

Growth → Income → Liquidity → Your life

Review. Rebalance. Replenish. Adjust withdrawals and refill decisions to markets, taxes, and your needs.

Illustrative time horizons, not fixed allocations or guaranteed income. All investing involves risk, including loss of principal. Bucketing does not eliminate market risk. Account types such as Roth IRAs are distinct from the investments held inside them.

Let’s build your version ↗
How We Work Together

Our Client
Experience

01
Introduction
We connect and you share what's on your mind. No pressure — just a genuine conversation to see if there's a fit.
02
Discovery
We go deeper — your goals, values, concerns, and financial picture. This is where we learn what truly matters to you.
03
Planning Analysis
We analyze your full financial world and develop a coordinated strategy tailored to your life and goals.
04
Plan Review
We walk through everything together — your questions answered, every detail understood before we move forward.
05
Execute
Your plan is set in motion. Accounts, investments, and structures aligned with intention and precision.
06
Ongoing Management
Active monitoring of your portfolio and plan — always adapting as markets shift and life evolves.
07
Regular Reviews
Scheduled check-ins to assess progress, update your plan, and ensure everything stays aligned.
08
Proactive Guidance
We reach out when life changes or opportunities arise — never waiting for you to come to us.
Planning Conversations

Good questions.
Thoughtful guidance.

Choose a topic to request information from Taylor by email.

Guide
The Wealth Quadrant: Understanding Your Financial Life
A framework for thinking about investments, insurance, planning, and purpose — and how they connect.
Checklist
Year-End Financial Planning Checklist
Request the year-end checklist to help organize your next planning conversation.
Review
Retirement Readiness Review
Explore whether your current savings trajectory aligns with your retirement vision. Contact Taylor to discuss.
Guide
Business Owner's Exit Planning Roadmap
What to think about — and when — as you approach a liquidity event or business transition.
Whitepaper
Behavioral Finance: Why Smart People Make Poor Investment Decisions
Understanding the emotional biases that derail long-term investing — and how to overcome them.
Guide
Understanding RSUs & Stock Options: A Plain-English Guide
For executives and employees navigating equity compensation and the tax implications that come with it.
Insights & Perspectives

From the Desk
of Taylor Foster

Taylor Foster Featured
The Altura perspective
Aligning Money, Mindset, and Meaning: The Altura Philosophy
Great financial planning isn't just about building a plan — it's about having the clarity and confidence to follow it when life gets complicated.
Taylor Foster Investing
Long-term thinking
Why Staying the Course is the Hardest — and Most Important — Investment Decision
Volatility tests discipline. Here's how to stay aligned with your long-term goals when markets are noisy.
Taylor Foster Planning
Discipline & consistency
What HYROX Taught Me About Building Wealth Over Time
Discipline, preparation, consistency, and resilience — the same principles that win races also build lasting financial freedom.
Let's Connect

Start the
Conversation

If you're looking for a trusted advisor who sees money as a tool — one designed to create freedom, protect your family, and elevate your life — we'd love to hear from you.

📍
Office 125 Lake Street W, Suite 204
Wayzata, MN 55391
✉
Email taylor@boriawealth.com
☎
Phone 612-578-5190

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Investment advisory services offered through Boria Wealth Management, a registered investment adviser. Registration does not imply a certain level of skill or training. All investing involves risk, including the potential loss of principal. Past performance does not guarantee future results. The information on this website is for informational purposes only and should not be construed as investment, tax, or legal advice. Please consult a qualified professional before making any financial decisions.

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