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:
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Access to 4.3% APY FDIC-Insured Cash Management Program (No Fees or Minimums).
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Multiple plan levels depending on your questions, needs, and complexity.
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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 $1,000 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 / RightCapital | 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 |
| 4.3% 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 SIGNATURE GOLD |
WEALTHCARE SIGNATURE PLATINUM |
|---|---|---|---|---|
| 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
- Notes and other planning resources are available for an additional optional fee starting at $200
Modular Limited-Scope Planning: Starting at $1,000
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 $1,000 for the first topic area plus $400 for each additional topic area. The fee includes written notes and a limited number of applicable reports or resources. 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 Signature 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.
