Frequently Asked Questions

  • Yes. WEalthetic and our advisor(s) are fiduciaries.

    As a fiduciary WE are legally bound to act in your best interest(s) and to disclose our fees clearly to explain how we're compensated. Moreover, WE subsequently hold ourself to our own moral compass and ethical standards of care which, in our belief, out date and outrank any government or regulatory agency. Our thorough due diligence,  vetting and scrutiny of market research and economic data support these commitments to always place your best interests at the core of everything WE do.  

  • WE continue to serve existing clients from all backgrounds and without exceptions. Our investment advisory process is designed for new clients with investable assets in excess of $500,000. 

    Don't worry, WE believe holistic wealthcare should be accessible to everyone and we support this by agreeing to listen to you, answer your questions and point you in the direction of a vetted professional well-suited for your needs.

  • Our fee structure, how we earn compensation and any fees you incur are clearly defined and disclosed under only one of these core service categories.

    1. Investment Account Management- Fee Based

    2. Comprehensive Financial Planning- Fee Based

    3. Wealthcare Consulting- Hourly or Fixed Rate

    I. Fee Based Investment Account Management WE earn 1% on the first $1.0M and 0.75% on excess values.

    OR

    II. Fee Based Comprehensive Financial Planning with Investment Account Management WE earn 1.5% on the first $1.0M and 1.0% on excess values.

    In some comprehensive financial planning cases, non-variable insurance products such as fixed-indexed annuities or guaranteed universal life insurance may be appropriate for a minority portion of your liquid assets. If and when non-variable insurance product(s) may be both appropriate and suitable for your circumstances, we will provide you with substantial disclosure(s) of any additional fees, our compensation and any potential conflicts of interest PRIOR to making any such recommendation. 

    Fees are annualized, calculated quarterly and deducted from your account(s) or invoiced separately. 

    OR

    III. Wealthcare Consulting- Hourly or Fixed Rate   WE earn $350 per hour with a minimum of 5 hours per project, agreed to in advance.

    OR

    WE earn a maximum “fixed rate” of $12,000 per project, agreed to in advance

    Certain types of investment advice and financial planning services are not indefinite in scope nor considered to be ongoing in your engagement with our firm and our advisor(s). Whenever you, or any entity you control, are NOT a fee based client of ours, an hourly or fixed rate consulting fee will be in your best interest. 

    Examples include al a carte services and project work such as:

    • Estate Plan Scenario Testing

    • Complex Estate Equalization Analysis 

    • Pre and post Inheritance Mapping Visualization 

    • Stock-certificate retitling

    • Marital Dissolution Analysis

    • Marital Alternative Planning

    A comprehensive explanation of our fees and other important details are readily available on our disclosures page. These include:

    FORM CRS (Client Relationship Summary) FORM ADV Part 2A and FORM ADV Part 2B