New York, NY Office

Wealthcare Financial Group serves individuals and families (including high‑net‑worth clients), business owners, non‑profit organizations and retirement plan sponsors. The firm provides financial planning, retirement planning, portfolio management, pension consulting and rollover guidance, offering both managed “Hybrid Model Portfolios” composed primarily of mutual funds and ETFs and standalone or hourly planning engagements.

The firm’s stated investment approach is “Structured Investing,” built around five guiding principles (markets work; risk/return tradeoffs; diversified structure; customized portfolios; and a long‑term focus) and implemented through four asset‑allocation approaches grouped into convergent (“Sailing”) and market‑independent (“Rowing”) strategies. Portfolio selection relies on an 11‑criteria due‑diligence process using Morningstar Office™ and other sources, with periodic monitoring and rebalancing when allocations move beyond agreed tolerances.

Notable differences from many peers include operating seven offices despite modest firm AUM and a team of seven advisors, and the principal’s operation of a licensed insurance agency; supervised persons also accept commissions for insurance products such as annuities and life insurance. The brochure discloses these compensation arrangements and conflicts, notes the firm’s fiduciary policies and written product disclosures as mitigating measures, and emphasizes retirement‑plan/fiduciary consulting expertise and retirement‑focused credentials among staff.