East Dorset, VT Office

Wealthcare Capital Management LLC is a multi‑team SEC‑registered investment adviser managing roughly $3.93 billion for over 5,600 clients through a team of 33 advisors. The firm provides comprehensive financial planning and discretionary portfolio management for individual and high‑net‑worth clients, as well as retirement plan advisory and investment strategist/model services to intermediaries, generally charging asset‑based advisory fees.

WCM’s investment process emphasizes a long‑term, evidence‑based approach combined with behavioral economics to align strategies with client preferences; its Investment Policy Committee constructs model portfolios primarily using ETFs and indexed mutual funds and may incorporate alternative investments or independent managers. The firm supplements qualitative research with proprietary quantitative measures (for example, the Wealthcare Skill Index and a Growth Conditions Index) and offers access to third‑party platforms for institutional‑quality alternatives and a physical gold and silver bullion custody option.

In its marketing materials WCM discloses hypothetical performance and uses client testimonials, practices that are uncommon among multi‑team peers and may be material for prospective clients to note. The combination of model management for intermediaries, third‑party alternative investment access, and a platform‑based precious metals custody offering is a notable aspect of the firm’s service mix relative to similarly sized advisory firms.