WealthCare Plans & Pricing

WealthCare Plans & Pricing

WealthCare Plans & Pricing

The fee-only registered financial advisors of Tax Wealth Network and Clear View Wealth Advisors, LLC offer a range of fixed-fee financial planning options ranging from single-topic modules or strategy sessions through comprehensive multi-topic plans with ongoing advisor support. 

If you can describe your concerns and the kinds of advice or answers you're looking for from our team, you can reach out and we can explore your options and find the best way we can craft our services to best address your needs.

 

 

These are some examples of the types of planning modules available to you.

Pick Your Plan:

  • Access to 5.1% APY FDIC-Insured Cash Management Program (No Fees or Minimums).

  • Multiple plan levels depending on your questions, needs, and complexity.

  • Transparent, fixed-fee pricing.

MAIN FEATURES BRONZE

WEALTHCARE WELLNESS CHECK UP

WEALTHCARE SIGNATURE GOLD or

SIGNATURE RETIREMENT

WEALTHCARE SIGNATURE PLATINUM
SCOPE Targeted Limited-Scope Planning Financial Overview Multi-Topic Planning Planning + Investment Management
PRICE Starts at $800 for 1st Topic + $400 for each additional topic

$3,000 for 1st year - Regular

$3,600 for 1st year - RetireRight Check Up

Starts at $4,500 for 1st year - Regular

Starts at $5,500 for 1st year - Retirement

Starts at $7,500 for 1st Year
PAYMENT TERMS Payable at Time of Project Deposit + Monthly Installment Deposit + Monthly Installment Deposit + Monthly Installment
COMMITMENT One-Time Option One-Year Commitment One-Year Commitment One-Year Commitment
TOPICS Topics Available: All Topics in Bronze Includes Wellness Check Up Everything in Signature Gold PLUS:
* Tax Strategies Limited-Scope Notes, Reports and Analysis   + Strategic Tax Planning + Expanded Support for Alternative Investments
* Investment Strategies Planning Flowcharts   + Planning for Stock Options & Grants + Expanded Planning for Stock Options
* Investment Strategies Budget & Cash Flow Multi-Point Assessment of Finances, Taxes, & Estate Plan   + Forward Modeling and Projections for Finances + Investment Real Estate Planning
* Insurance + Real Estate Planning     + Advisor-Directed Investment Management
* Retirement Strategies * Retirement Strategies   + Self-Employed Retirement & Tax Planning + Investment Guidance on Client-Directed Investments
* Education Funding Optional Advisor-Directed Investment Management if requested     + Optional Tax Preparation
FOCUS + Much More

Overview - Regular

Retirement - RetireRight Check Up

Broad - Regular

Retirement - Signature Retirement

Retirement Focus

Platform Access:

PLATFORM ACCESS, SUPPORT & SECURITY BRONZE WEALTHCARE WELLNESS CHECK UP WEALTHCARE SIGNATURE GOLD WEALTHCARE SIGNATURE PLATINUM
MESSAGING Limited Phone & Email Limited Phone & Email Thru Year Unlimited Phone & Email Thru Year Unlimited Phone & Email Thru Year
MEETINGS Zoom Zoom Zoom Zoom and/or In-Person
PLAN SOFTWARE ACCESS No RightCapital RightCapital + MaxiFi

RightCapital + MaxiFi + Income Lab

GOAL TRACKING No Yes/RichCapital Yes/RightCapital Yes/RightCapital + Income Lab
CONSOLIDATED FINANCIAL PICTURE DASHBOARD No Yes / RightCapital Yes / RightCapital Yes / RightCapital + Income Lab
STRATEGY SESSIONS 1 or 2 2-3 At least 4 As Needed

Investment Planning:

INVESTMENT PLANNING & ANALYSIS BRONZE WEALTHCARE WELLNESS CHECK UP WEALTHCARE SIGNATURE GOLD WEALTHCARE SIGNATURE PLATINUM
ADVISOR-MANAGED PORTFOLIO at 0% AUM No * No * Yes Yes
5.1% APY FDIC-INSURED DEPOSIT PROGRAM No Yes ** Yes ** Yes **
RISK PROFILE + RISK CAPACITY ASSESSMENT Yes, if Portfolio Lab selected Yes Yes Yes
PORTFOLIO LAB ANALYSIS + RECOMMENDATIONS Available Topic Yes Yes Yes
ROTH CONVERSION and/or TAX HARVESTING Available Topic Available Topic Yes Yes

* If clients are not enrolled in one of the Signature Plan options, they may still access no commission/no AUM investment management for a separate fixed fee to be discussed.

** FDIC-insured deposit program rates are subject to change based on factors including Federal Reserve policy. Access to the deposit program requires opening an account with one of our custodians and is available if enrolled in a planning program.

ALTERNATIVE INVESTMENTS BRONZE WEALTHCARE WELLNESS CHECK UP WEALTHCARE SIGNATURE GOLD WEALTHCARE SIGNATURE PLATINUM
ALLOCATION PLANNING No No Yes - Recommendations Yes - Included in Advisor-Managed Accounts
OPPORTUNITY EVALUATION/VETTING No No Yes Yes

Tax Planning:

TAX PLANNING, ANALYSIS & ADVICE BRONZE WEALTHCARE CHECK UP WEALTHCARE GOLD WEALTHCARE SIGNATURE
REVIEW OF PRIOR YEAR TAX FILINGS Yes - Available Topic Yes Yes Yes
DETAILED, MULTI-YEAR PROJECTIONS Yes - Available Topic No (limited to current tax year) Yes Yes
TAX MITIGATION ADVICE Yes - Available Topic Limited Yes Yes - Comprehensive

Real Estate Planning:

REAL ESTATE PLANNING BRONZE WEALTHCARE CHECK UP WEALTHCARE SIGNATURE GOLD WEALTHCARE SIGNATURE PLATINUM
PROPERTY ANALYSIS Yes - Available Topic Yes - Limited to General Review of Primary + 1 Rental Yes - up to 3 residential properties Yes - 3+ residential and/or commercial properties
BUY VS SELL / BUY VS RENT Yes - Available Topic Yes - Limited to General Review of Primary + 1 Rental Yes - up to 3 residential properties Yes - 3+ residential and/or commercial properties
MORTGAGE FUNDING ANALYSIS Yes - Available Topic Yes - Limited to General Review of Primary + 1 Rental Yes - up to 3 residential properties Yes - 3+ residential and/or commercial properties
PERFORMANCE AND TAX ANALYSIS Yes - Available Topic Yes - Limited to General Review of Primary + 1 Rental Yes - up to 3 residential properties Yes - 3+ residential and/or commercial properties

Equity Compensation:

STOCK OPTION PLANNING BRONZE WEALTHCARE CHECK UP WEALTHCARE SIGNATURE GOLD WEALTHCARE SIGNATURE PLATINUM
TAX PROJECTIONS Yes - Available Topic Yes - Limited to current tax year Yes - Available for multiple tax years Yes - Available for multiple tax years
QUALIFIED SMALL BUSINESS STOCK PLANNING Yes - Available Topic Yes - Limited to current tax year Yes - Available for multiple tax years Yes - Available for multiple tax years
TAX DEFERRAL/MITIGATION STRATEGIES Yes - Available Topic No Yes Yes

Self-Employed Planning:

BUSINESS PLANNING BRONZE WEALTHCARE CHECK UP WEALTHCARE SIGNATURE GOLD WEALTHCARE SIGNATURE PLATINUM
RETIREMENT PLAN REVIEW/DESIGN Yes - Available Topic Limited to Review of Options Yes Yes
RETIREMENT CONTRIBUTION PLANNING Yes - Available Topic Limited to Review of Options Yes Yes
BUSINESS TAX PLAN & ANALYSIS Yes - Available Topic Limited to Review of Options Yes - Current and Next Tax Year Yes Current + Multiple Future Years

** Business advisory services are limited with focus on clients filing as disregarded entities using Schedule C tax forms

Estate Planning: *  **

ESTATE PLANNING & GUIDANCE BRONZE WEALTHCARE CHECK UP WEALTHCARE SIGNATURE GOLD WEALTHCARE SIGNATURE PLATINUM
REVIEW OF EXISTING PLAN Yes - Available Topic Yes Yes Yes
MAP OF CURRENT AND PROPOSED PLAN Yes Yes Yes Yes
FACILITATING CREATION OF WILL     Yes Yes
FACILITATING CREATION OF TRUST     Yes Yes
FACILITATING CREATION OF MEDICAL DIRECTIVES & POWERS OF ATTORNEY     Yes Yes
ASSISTANCE WITH FUNDING TRUST     Yes Yes

* We are not attorneys and do not provide legal advice. CVWA offers an online service that provides legal forms and education prepared by qualified third-party attorneys.

** Separate fees apply for advisor facilitation services, third-party service providers and attorneys.

Budget & Cash Flow Management

CASH FLOW BRONZE WEALTHCARE CHECK UP WEALTHCARE SIGNATURE GOLD WEALTHCARE SIGNATURE PLATINUM
ANALYSIS & BUDGET Yes - Available Topic Yes - Additional Fee May Apply Yes - Included Yes - Included
DEBT REPAYMENT PLAN Yes - Available Topic Yes - Additional Fee May Apply Yes - Included Yes - Included
CALCULATING OPTIMAL CASH RESERVE Yes - Available Topic Yes - Additional Fee May Apply Yes - Included Yes - Included
EMPLOYEE BENEFITS REVIEW Yes - Available Topic Yes - Additional Fee May Apply Yes - Included Yes - Included
BUDGETING TOOLS Yes - Included Yes - Included Yes - Included Yes - Included

Insurance Needs:

INSURANCE NEEDS BRONZE WEALTHCARE CHECK UP WEALTHCARE SIGNATURE GOLD WEALTHCARE SIGNATURE PLATINUM
REVIEW LIFE INSURANCE Yes - Available Topic Yes - Included Yes - Included Yes - Included
REVIEW P&C INSURANCE Yes - Available Topic Yes - Included Yes - Included Yes - Included
REVIEW OTHER INSURANCE (LTC, DISABILITY) Yes - Available Topic Yes - Included Yes - Included Yes - Included
ASSISTANCE WITH ARRANGING NEEDED COVERAGE       Yes - Included *

* Neither CVWA nor its advisors receive any third-party compensation or commissions for this service.

Retirement Planning:

RETIREMENT ANALYSIS & ADVICE BRONZE WEALTHCARE CHECK UP WEALTHCARE SIGNATURE GOLD WEALTHCARE SIGNATURE PLATINUM
INCOME NEED & TAX ANALYSIS Yes - Available Topic Yes - Overview Only Yes - Detailed Analysis Yes - Detailed Analysis
SOCIAL SECURITY CLAIMING STRATEGIES Yes - Available Topic Yes - Overview Only Yes - Detailed Analysis Yes - Detailed Analysis
DISTRIBUTION STRATEGY & INCOME PLAN       Yes - Detailed Analysis
MULTI-SCENARIO PROJECTIONS & SIMULATIONS     Yes - Detailed Analysis Yes - Detailed Analysis
RETIREMENT INVESTMENT PORTFOLIO REVIEW & CONSOLIDATION       Yes - Detailed Analysis

More:

OTHER PLANNING TOPICS/MODULES BRONZE WEALTHCARE CHECK UP WEALTHCARE SIGNATURE GOLD WEALTHCARE SIGNATURE PLATINUM
EDUCATION Yes - Available Topic   Yes - Included as Needed Yes - Included as Needed
DIVORCE Standalone with Separate Fee     Yes - Included as Needed

 

Strategy Sessions: Starting at $800

  • One or two multi-hour sessions with a Certified Financial Planner™ Professional
  • Topic areas may include employee-benefits review, insurance needs, Social Security claiming strategies, budgeting, stock options analysis, elder care, divorce, college funding, and investment risk

Modular Limited-Scope Planning: Starting at $800

You may choose this option if you want to focus on two or more specific areas for advice and do not want a more comprehensive plan nor ongoing support. The base fee is $800 for the first topic area plus $400 for each additional topic area. Unlimited advisor support for a one-year period may be added starting at an additional $600 per year.

Topic areas you may choose include:

  •  Cash and debt management
  •  Budgeting
  •  Insurance and risk management
  •  Estate plan guidance or review
  •  Education planning
  •  Retirement planning or income strategies
  •  Real Estate/Mortgage Analysis
  •  Tax planning for stock options or sale of highly appreciated assets

Portfolio Lab Analysis with On-Going Advice for "Held Away" Assets Managed by Clients: Starting at $600 (up to $250,000 of investment assets) - Call for higher asset levels

  • Risk profiling to determine your Risk Number
  • Identifying your investment allocation for various types of assets
  • Analysis of all holdings in your current portfolio (taxable and retirement)
  • Evaluate and recommend optional asset allocation for improved returns and/or lower volatility and risk of loss
  • Research on current and prospective investments
  • Personalized report with recommended changes mapped to your Risk Number with analysis of portfolio risk and performance metrics
  • Specific trading recommendations for you to implement on your trading platform
  • NOTE: Optional on-going analysis with recommendations and trading assistance for self-directed investors is available at an additional fixed rate based on a rate ranging from 0.10% to 0.20% of asset balance.

CLICK HERE for Sample Portfolio Lab Analysis

CLICK HERE for Sample Asset Map/Risk Profile

WealthCare Financial Wellness Checkup:

STARTING AT $3,000 INCLUDING INITIAL YEAR OF SUPPORT

Ongoing support and maintenance of your plan starts at $1,600/year (or $1,800 if adding maintenance of your estate plan)

  • “Bumper- to- bumper” review of up to a dozen areas including insurance, taxes, estate, investment risk, and more
  • Answers to your most pressing questions, an understanding of the financial tools you already have, and ideas on what your next steps might be
  • A thorough assessment of your current situation's strengths and weaknesses along with a specific checklist of action steps to improve your situation

CLICK HERE for Sample FPAlpha Check-Up Report

WealthCare Signature Comprehensive Planning & Support: 

STARTING AT $4,500 INCLUDING INITIAL YEAR OF SUPPORT  

Ongoing support and maintenance of your plan starts at $2,250/year for updates to four (4) key topic areas of your plan and includes an updated WealthCare FPAlpha Check-Up Report

  • Includes the WealthCare Financial Wellness Checkup to identify financial strengths and weaknesses
  • Includes the Portfolio Lab Analysis with investment roadmap, recommendations and personalized asset allocation
  • Deep-dive analysis on your choice of multiple topics
  • Professional support to address ongoing issues or questions as well as support for implementation of recommended actions
  • Client households with income over $250,000 or net worth over $2M or complex scenarios will be provided with a quote that adds 0.50% of income or 0.20% of net worth on portions above the these limits
  • Planning topic areas available:
    • Investment
    • Tax Planning
    • Insurance and Risk Management
    • Debt, Credit, and Cash Flow/Budgeting
    • Estate Planning
    • Real Estate Analysis
    • Education Funding  

CLICK HERE for Sample Financial Plan

WealthCare Platinum Comprehensive Planning with Investment Management: 

STARTING AT $7,500

  • This service combines the WealthCare Signature Planning Program with full discretionary advisor-directed investment management on a choice of custodian platforms and the TaxSmart Tax Plan & Prep Module for a simple fixed fee

WealthCare Values and Process Outline

 

Other Service Options:

  • We also offer other fixed-fee comprehensive bundled planning options with investment advice only. 
  • Other planning modules are available for those approaching or in divorce proceedings to help assess settlement, alimony, and support options. 
  • Planning modules also include optional but recommended planning maintenance with annual support. 
  • All planning options can be combined with tax preparation services as well.
  • Fixed-fee projects are based on income and net worth plus an administrative fee determined by the project selected. More information is available in the Firm Brochure - Item 5
  • Optional hourly rate options are available on a sliding scale with a minimum of three hours per project or subject item. The average professional hourly rate is $200.  

The Value of a Fiduciary as Your Financial Partner

Many people hesitate to call a professional financial planner because they are concerned about cost. This is certainly understandable given the many financial obligations we all have. But a better question might be this: What will it cost you to go without professional advice?

In the age of the Internet and DIY mentality, many are tempted to deal with personal finance issues on their own.

But you don’t know what you don’t know. We live in complex times and actions in one area have long-term consequences in other areas like taxes, retirement and credit.  Too often decisions are made that have far-reaching consequences – when to choose Social Security, how to structure a pension, and optimal ways to fund college, just to name a few. 

In my practice you get more than investment advice because there is more to financial planning than choosing investments. 

What you are paying for is access to a trained, certified, licensed, bonded, insured and experienced professional – one with more than twenty-five years of practical experience with advanced and specialized continuing education with access to multiple tools designed to provide you with the answers you need.

You receive objective advice not tied to the sale of any financial, insurance, or investment product.