The Wealthcare Clinic

The Wealthcare Clinic, LLC is a fee-only registered investment adviser that provides discretionary investment management and integrated wealth management (investment management combined with financial planning) for individuals, high-net-worth individuals, families, trusts, estates, and related accounts. The firm was formed in 2026, reports two advisors and $0 in discretionary assets under management as of the brochure date, and began providing services in September 2026.

The firm’s investment approach applies Modern Portfolio Theory with goals-based investing and may use fundamental or technical analysis; it constructs, monitors, and adjusts client accounts under discretionary authority and tailors portfolios and planning recommendations to each client’s objectives, risk tolerance, time horizon, liquidity needs, and any account restrictions. The firm requires client assets to be held at Charles Schwab as custodian, aggregates household accounts for management purposes, and limits its scope by not providing tax, legal, or insurance services.

Noteworthy features in the brochure include disclosure that the firm may use a wide range of investment vehicles — including ETFs, mutual funds, REITs, commodity and precious-metal ETPs, crypto-related ETPs, and covered call options — and that it may use margin in limited circumstances; the firm also states it may employ technology tools, including artificial intelligence, for administrative, research, and operational support while retaining human oversight of advice and discretionary decisions. The brochure further notes operational practices that set it apart from many small advisers, such as not accepting commissions, not voting proxies on clients’ behalf, and tailoring the depth and cadence of financial planning to the complexity of each engagement.