Wealth Care LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client AUMClient assets under management
$636,082,634
Clients
211
Advisors
3
across 2 offices
About
Wealth Care LLC provides confidential financial planning and ongoing investment management to individuals, pension and profit‑sharing plans, trusts, estates and small businesses, serving both individual and high‑net‑worth clients. The firm operates on a fee‑only basis and manages the bulk of client assets on a discretionary basis while also delivering comprehensive financial planning services.
The firm uses a strategic asset‑allocation, core‑and‑satellite approach that relies on passively managed index funds and ETFs as the core with selectively added active managers, and implements globally diversified portfolios that may include equities, bonds and mutual funds. Clients receive periodic reviews and online reporting through third‑party portfolio software, and the firm places trades through custodians while accommodating client‑directed brokerage instructions when requested.
Distinctive features include a relatively large asset base managed by a compact advisory team—roughly $668 million in assets with a small number of advisors—and senior staff whose backgrounds combine professional credentials outside finance (medical and legal training) with CFP and other financial designations. The firm also follows a few practices that differ from many peers, notably not voting client proxies, being deemed to have limited custody when given standing transfer authority, and avoiding agency‑cross and principal transactions.
Client services
Expertise
Fee options
Fixed fees for financial planning based on complexity and scope
$0 - $1,000,000: 1% per year $1,000,001 - $3,000,000: 0.5% per year $3,000,001+: 0.25% per year
Minimum fee: $7,500 minimum annual fee Fee-only: Fee-only financial planning and investment management; no commissions or other compensation accepted
Main office
See officeMerritt Island FL
Advisors at this office
2
Most active in
Florida · Nebraska · Texas
Also doing business as
Podnos, Steven D. · Stephen Daniel Podnos · Wealth Care LLC
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Advisors at this firm
Lauren P
Series 63, Series 65
Austin, TX
Wealth Care LLC
Lauren Podnos is a financial advisor at Wealth Care LLC in Austin, TX, with 12 years of industry experience. She holds Series 63 and Series 65 designations and has worked at several firms, including HB Wealth Management and TIAA-CREF. Wealth Care LLC provides confidential financial planning and investment management services to individuals, pension and profit-sharing plans, trusts, estates, and small businesses, serving both individual and high-net-worth clients. The firm uses a strategic asset-allocation, core-and-satellite approach with globally diversified portfolios that include passive index funds, ETFs, and selective active managers.
Stephen P
Series 65
Merritt Island, FL
Wealth Care LLC
Stephen Podnos is a financial advisor at Wealth Care LLC with 23 years of industry experience. He holds a Series 65 designation and previously operated under his own practice, Stephen Daniel Podnos, from 2003 to 2026 before joining HB Wealth Management, LLC for a year. Wealth Care LLC provides confidential financial planning and investment management services to individuals, pension and profit-sharing plans, trusts, estates, and small businesses. The firm employs a strategic asset-allocation approach using primarily passive index funds and ETFs complemented by select active managers, managing approximately $668 million in assets with a small advisory team.
Rachel O
Series 65
Merritt Island, FL
Wealth Care LLC
Rachel O'Leary is a financial advisor at Wealth Care LLC in Merritt Island, FL, with 12 years of industry experience and a Series 65 designation. She has been with Wealth Care LLC since 2014 and previously worked at Fbb Capital Partners. O'Leary is a licensed attorney in Florida on inactive status. Wealth Care LLC provides confidential financial planning and investment management to individuals, trusts, estates, small businesses, and high-net-worth clients. The firm employs a strategic asset-allocation approach using passive index funds and ETFs combined with select active managers, managing approximately $668 million in assets with a compact advisory team.
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