Wealthcare

Wealthcare Financial Planning, LLC provides investment management and financial planning on a fiduciary, fee-only basis primarily to individual clients, including high-net-worth individuals, while also accepting certain institutional clients such as pension plans, trusts, and nonprofit organizations. The firm additionally offers limited stand-alone hourly consulting for tasks like cost-basis research or support for other professionals, a billing option that is uncommon among firms in this category.

Wealthcare follows a documented client process of initiation, planning, implementation, monitoring, and closure, managing discretionary assets under client-specific Investment Policy Statements with quarterly review and rebalancing. Its investment approach emphasizes a weak-form efficient market view, broad diversification and Modern Portfolio Theory, and explicitly incorporates Fama–French research favoring small-cap and value exposures into asset-allocation decisions.

As a single-advisor practice with roughly $3.6 million in combined discretionary and advisory assets, the firm’s operational profile is small and concentrated, and the owner maintains substantial outside professional roles, including a developer position, which is a notable operational characteristic. Wealthcare also treats assets under advisement with distinct measurement (including client liabilities in its advisory scope) and does not aggregate trades across client accounts—practices that differ from many peers and can affect trading costs and how non-custodied assets are handled.