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.
Investment Management
We offer two basic types of Asset Management services - both at extremely competitive rates relative to automated programs out there. The difference is that in our case, you are working directly with the portfolio manager - a fiduciary advisor with 15 years of professional experience.
Our fees includes all aspects of portfolio construction, monitoring and management including design and tax-managed rebalancing. The Tactical Approach adds 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 Financial Planning / Coaching fees (usually charged separately).
Passive Style
Matched to Your Risk Number / Rebalanced Quarterly- Minimum Fee - $6 per month per account (otherwise, no account minimum).
- Risk Optimization (using Riskalyze Technology)
- Daily Monitoring
- Rebalancing Quarterly
- Operate from Investment Policy
Tactical Style
Improved Risk-Managed Performance- Minimum Fee - $12 per month per account (otherwise, no account minimum).
- Portfolio Construction with Risk Optimization (using Riskalyze Technology)
- Tactical Adjustments (as necessary) to minimize downside risk and upside potential
- Daily Monitoring
- Rebalancing (as necessary)
- Operate from Investment Policy
Not sure what's the best option for you? Set up a Free Consult with the Wealth Coach now - weekends and evenings available.
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
- 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
Wealth Health Checkup
- 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
Cash Flow Hydrant™
90-Day Program- Find 100's of Dollars Leaking Out of Your Wallet Each Month
- 90-Day Program | First 7 Days FREE!
- Build Better Money Habits
- Have Access to ALL Your Financial Info in One Place
- Includes Access to Financial Planning software for 3 months ($75 value)
Not sure what's the best option for you? Set up a Free Consult with the Wealth Coach now - weekends and evenings available.
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)
Basic Coaching
- Wealth Health Checkup ($397 value)
- 1-on-1 Coaching Calls with your own Personal Adviser every 6-8 weeks ($750 value)
- 1 additional hour per year with a CERTIFIED FINANCIAL PLANNER™ professional ($225 value)
- Access to Personal Finance Manager software ($147 value)
- Access to Cash Flow Hydrant™ ($197 value)
Premium Coaching
- Wealth Health Checkup ($397 value)
- Monthly 1-on-1 Coaching Calls to help you Stay On Track ($1200 value)
- 1 additional hour per year with a CERTIFIED FINANCIAL PLANNER™ professional ($225 value)
- Access to Personal Finance Manager software ($147 value)
- Access to Cash Flow Hydrant™ ($197 value)
Elite Coaching
- Wealth Health Checkup ($397 value)
- Bi-Weekly 1-on-1 Coaching Calls to get You On Track ($2100 value)
- 2 additional hours per year with a CERTIFIED FINANCIAL PLANNER™ professional ($450 value)
- Access to Personal Finance Manager software ($147 value)
- Access to Cash Flow Hydrant™ ($197 value)
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.
Don't Be Shy
If we didn’t answer all of your questions, feel free to drop us a line anytime.
The Legal Stuff:
ALTUS Wealth Solutions is a Virtual Registered Investment Advisor firm, registered with the State of California and created in late 2007 (proof that market timing is not our specialty – then again, nobody can time the market). ALTUS Wealth Solutions is 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.
John Buerger is the founder, owner, Chief Investment Officer, financial planner … and currently everything else in a one-person Registered Investment Advisor firm. The advantage is you get to work with the person actually making the investment decisions, not a salesperson serving up ideas from someone else in New York who doesn’t even know you. 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.
John adheres to the fiduciary standard of care, makes every attempt to do whatever is in the clients’ best interest and put those interests ahead of his own.
