Wealth Health Pricing

“Fiduciary Financial Services should be Simple, Transparent and Affordable for everyday people!” ~ The Wealth Coach

Simple

As complicated as personal finances can be – and at the very least, there are a lot of moving parts – there shouldn’t be any mysteries about how (or how much) your adviser is being paid. You can work with a Wealth Coach on a subscription basis or just pay for consultations as you need them.

Transparent

The pricing menu below outlines how I get paid. As a Fiduciary adviser (and many who provide financial services are NOT), there cannot be any hidden fees or other forms of income that are not openly disclosed. I’m here to be your coach, not take advantage of you.

Affordable

The people who most need Wealth Coaching are the folks with average family incomes, not the super rich. For less than you likely spend on utilities or your cell phone plan, you can have access to a CERTIFIED FINANCIAL PLANNER™ professional whenever YOU need it.

Monthly Plans

Our monthly plans are an inexpensive way to get consistent access to a Wealth Coach and Real Financial Planning – all for a reasonable monthly subscription fee. All monthly plans require a six-month commitment however you may cancel within the first 21 days and receive a full refund with no cancellation fee.

Wealth Coaching Services

(does not included investment management)

Financial Plan

$25/mo
  • Wealth Health Checkup ($197 value)
  • Quarterly 1-on-1 Coaching Calls with your own Personal Adviser ($300 value)
  • 1 additional hour per year with a CERTIFIED FINANCIAL PLANNER™ professional ($225 value)
  • Access to Personal Finance Manager software ($147 value)
  • Control Your Cash Flow Program included ($197 value)
  • Access to Cash Flow Hydrant™ ($120 value)
Free Consult

Basic Coaching

$65/mo
  • Wealth Health Checkup ($197 value)
  • Monthly 1-on-1 Coaching Calls to help you Stay On Track ($900 value)
  • 1 additional hour per year with a CERTIFIED FINANCIAL PLANNER™ professional ($225 value)
  • Access to Personal Finance Manager software ($147 value)
  • Control Your Cash Flow Program included ($197 value)
  • Access to Cash Flow Hydrant™ ($120 value)
Free Consult

Investment Management

Asset management fee includes all aspects of portfolio construction, monitoring and management including tactical adjustments to the portfolio asset mix as per an Investment Policy agreed upon by both you and ALTUS Wealth Solutions’ Investment Manager. The only charges NOT included are trading costs (which we keep at a minimum through no-cost or low-cost mutual funds or ETF’s) and Wealth Coaching fees (usually charged separately).

First $500,000

of Household Assets
0.75%/yr
  • No Account Minimum – Start with as little as $5000
  • Portfolio Construction
  • Risk Optimization (using Riskalyze Technology)
  • Daily Monitoring
  • Tactical Adjustments (as necessary)
  • Rebalancing (as necessary)
  • Operate from Investment Policy
Free Risk Analysis

Above $500,000

of Household Assets
0.50%/yr
  • (Includes Basic Wealth Coaching Services at no extra charge)
  • Portfolio Construction
  • Risk Optimization (using Riskalyze Technology)
  • Daily Monitoring
  • Tactical Adjustments (as necessary)
  • Rebalancing (as necessary)
  • Operate from Investment Policy
Free Risk Analysis

Single Services

Single services give you access to a CERTIFIED FINANCIAL PLANNER™ professional and Wealth Coach for a minimum set time but at a lower cost than our normal $225 hourly rate.

Portfolio Stress Test

$97
  • Stress Test Your Portfolio vs the Best and Worst Historical Scenarios
  • Find out your Risk Exposure from your current portfolio
  • Learn Your Risk Number (FREE)
  • Complete Written Analysis provided
  • One-Time Service – No Commitments
Get Started

Wealth Health Checkup

$197
  • Comprehensive Review of Your Personal Finances
  • Answers to Your Questions
  • 1-hour with a CERTIFIED FINANCIAL PLANNER™ professional
  • Written Analysis provided
  • One-Time Service – No Commitments
Reserve Your Spot

Frequently Asked Questions

I don't have any money to invest. Will you still work with me?

You bet. Wealth Health is holistic. Our work together is focused on your daily financial decisions - cash flow management, money habits and your goals & dreams. Having money to invest will happen out of the work we do together, but it certainly isn't a requirement to get started.

I've never really understood the account minimum requirement. If you already know how to manage your personal finances - enough to have saved up $250,000 or $500,000 (the typical minimum) - then do you really need help from a financial adviser?

Honestly, any adviser who requires an asset minimum isn't really a full fledged financial planner (and certainly not a Wealth Coach). They are an investment manager. That's how they get paid and that's where the bulk of their attention will be. If that's what you need, then maybe working with someone like that would be a good fit.

I just think there's more to life than the size of your portfolio.

What is your refund policy?

All monthly plans come with a 21 day full refund policy. If you come to realize you're into something that isn't a good fit, let us know, return any materials we've shared with you and we'll give you your money back.

If for some rare reason (it's never happened but I suppose it's a possibility) you feel that the value you receive from our time together isn't worth the fee associated with that service, then by all means you should pay what you think is reasonable.

Wealth Health is about making your Quality of Life better through changes in your Daily Decisions. If you are not thrilled with the process or are not enjoying the experience, then we have no interest in forcing you to stay on as an unhappy client.

Can I change plans after signing up?

All subscription plans come with a 6 month commitment. During that initial period you can upgrade to a more expensive plan (without a reset of the commitment) but you cannot downgrade after the first 21-day refund period (see above for more details on our refund policy).

Once you are past the initial 6 month commitment, you may change plans (including ending your subscription) with 30-day's confirmed notice.

From single service engagements, you can add any other subscription or single engagement service. Talk to your Wealth Coach about possible application of a single engagement fee towards a subscription cost.

Why Do You Have a 6-Month Commitment on Subscription Plans?

Wealth Coaching is a process, not a product. The 6-month commitment is our way of setting realistic expectations and keeping you engaged in the process long enough to develop new money habits and better daily decisions. 

New habits take months to establish and even longer to show results. I want you to stick with the program long enough to start getting positive feedback. That amount of time used to be years (with the traditional financial planning approach) but our process innovations have whittled that down to just a few months.

Don't Be Shy

If we didn’t answer all of your questions, feel free to drop us a line anytime.

Get In Touch

The Legal Stuff:

ALTUS Wealth Solutions is a Virtual Registered Investment Advisor firm (registered with the State of California) created in late 2007 (proof that market timing is not our specialty – then again, nobody can time the market). We are NOT affiliated with any broker or dealer. We provide financial planning and investment management services for a fee, are not paid to make any specific recommendations and do disclose any and all conflicts of interest with the advice that we give.

All advisors and staff of ALTUS Wealth Solutions adhere to the fiduciary standard of care. We make every attempt to do whatever is in our clients’ best interest and put those interests ahead of our own.

John Buerger is the founder, owner, Chief Investment Officer and financial planner. John is a CERTIFIED FINANCIAL PLANNER™ professional with a BA in Economics from Middlebury College and a Masters of Science in Financial Services (MSFS) from the American College in Bryn Mawr, PA.