What does Full-Service Wealth Management include?

Wealthstone offers Full-Service Wealth Management, which combines ongoing financial planning and discretionary portfolio management.

This service typically includes:

Financial Planning and Advice

We provide ongoing advice across areas such as retirement planning, tax planning coordination, estate planning coordination, cash-flow analysis, risk management and insurance review, education planning, charitable planning, Social Security and Medicare considerations, and business transition planning, as applicable to the client’s situation. We may coordinate with a client’s other professional advisors, such as CPAs and attorneys, at the client’s request.

Portfolio Management

Investment portfolios are managed on a discretionary basis in accordance with the client’s objectives and financial plan. Client accounts are maintained at an independent qualified custodian, such as Charles Schwab, which provides account statements and online access.

Ongoing Client Services

Clients generally receive:

• Periodic portfolio reporting

• Ongoing monitoring of investments

• Periodic reviews of financial goals and strategy

• Access to educational materials and general market commentary

• Access to our advisory team by phone or email

Some services may vary based on client needs and are described in more detail in our Form ADV and advisory agreement.

What are your fees?

Wealthstone charges an asset-based advisory fee for Full-Service Wealth Management. The fee is calculated as a percentage of assets under management (AUM) and is billed monthly in arrears, as described in the advisory agreement.

The applicable advisory fee percentage depends on the total assets managed for the client and may be reduced when family assets are grouped for pricing purposes. Each client’s accounts remain separate and confidential.

Detailed fee information, billing practices, and refund policies are fully disclosed in our Form ADV and advisory agreement, which are provided prior to engagement.

Investment-related expenses

In addition to our advisory fee, clients may incur investment-related expenses charged by the underlying investment vehicles or custodians, such as fund management expenses or transaction-related costs. These costs are not paid to Wealthstone and vary based on the investments selected.

Alternative investments

Alternative investments, such as private equity, private credit, real estate, or venture capital funds, are complex and may not be appropriate for all investors.

When appropriate, we discuss these strategies separately and provide information regarding the structure, risks, liquidity, tax considerations, and fees associated with a particular investment. Fees and expenses for alternative investments are determined by the investment sponsor and are disclosed in the applicable offering materials.

How can I request a proposal?

To request an initial consultation, please click “Schedule Consultation” below. During the introductory discussion, we will review your financial goals and determine whether our services may be appropriate for your situation.