Frequently Asked Questions
Getting Started
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WealthMore is a wealth manager, online financial advisor, and community of achievers. We focus on helping you do better.
WealthMore works with you to help you grow your wealth. We are a fiduciary. We act in your best interest.
We offer the wealth advice you need to grow and retain wealth in every aspect of your financial life from cash flow management to estate planning to retirement. Our wealth advisors are CERTIFIED FINANCIAL PLANNERS™.
For your long-term financial needs (like retirement, home buying), our approach is an investment strategy built on low-cost ETFs (exchange-traded funds), your risk profile, and how long you plan to invest supported by advice, insights, and updates.
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We’re built for busy professionals, first-gen wealth builders, and anyone who wants expert guidance without high fees or account minimums.
Whether you're starting out or leveling up, WealthMore meets you where you are.
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No. There are no account minimums. You can start with any amount—truly.
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WealthMore makes money in two simple ways:
Our Invest+ Plan is a flat fee of $25 per month.Our Premium Advice+ is a flat fee of $125 per month.
There is no account minimum and no percentage of AUM charged.
We don't earn revenue from any funds we've selected for your portfolio. We also don't make money in our trading practices. We're a fiduciary, always. -
During onboarding, you answer a few simple questions about your goals, timeline, and comfort with risk. Based on your responses, you're matched to the best WealthMore plan and investment portfolio for your needs.
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WealthMore offers features, including:
Investment and financial planning advice from our professional wealth advisors whenever you need it.
A simple flat fee only pricing model with no transaction charges or hidden fees.
We focus on the only two investments which tend to matter to most investors: a diversified stock basket and a bond portfolio leveraging low cost ETFs
An easy user experience which makes it easy to understand your money and control your exposure to risk.
Automatic, seamless diversification (which often means higher returns with lower risk).
Automatic rebalancing of your portfolio.
Automatic reinvestment of your dividends.
Transaction in exact dollar amounts (so you don't have to buy whole shares).
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All customers must be at least 18 years of age and reside in the United States.
Currently, WealthMore only operates in the United States. For regulatory reasons, we cannot accept international customers residing outside the United States. This also includes U.S. citizens residing and/or working abroad.* Login access to WealthMore’s application and/or website may be blocked in certain countries.All customers must be at least 18 years of age in order to consent to all our agreements.
*WealthMore supports residents in Puerto Rico and the Virgin Islands. We currently do not support residents in Guam.
**WealthMore supports U.S. military personnel residing abroad with a valid U.S. address on file, including Army Post Office box.
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No. WealthMore does not lend out money. We do not pull your credit score. The only check we do is an identification (ID) verification as required by law.
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Yes. You can book a Free Intro Call to meet an advisor, ask questions, and explore which plan fits you best.
Managing My Account
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We offer 3 ways to benefit from being a WealthMore member.
Community (Free)Access to 20+ groups
Wealth Plan tool
Educational content + events
Invest+ ($25/month)
Work 1:1 with a wealth advisor
Unlimited investing
Professionally managed portfolios
Advisor access for investing support
All Free plan benefits
Advice+ ($125/month)
Dedicated WealthMore advisor
Comprehensive financial planning
Personalized guidance for investments + external accounts
Full access to all platform tools
All Free plan benefits
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Yes. All investing plans include unlimited investing with no minimums and no AUM fees.
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No. WealthMore uses a simple flat-fee model—no percentage fees, no AUM charges, no surprises.
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We handle the investing for you.
At WealthMore, our experienced team of wealth professionals have done the research to build portfolios that make the most of your money so you don’t have to. You won’t be asked to pick and choose your own investments.Our portfolios are a combination of stock ETFs and bond ETFs, which are globally diversified and personalized to your financial goals, risk preferences, and time horizon. An exchange-traded fund (ETF) is a security that tracks an index, a commodity, or a basket of assets—just like an index fund—but trades like a stock on an exchange. We chose each ETF we invest your money in because of liquidity, diversification, and low management fees.
The stock ETFs we choose aim to efficiently capture the broad U.S. stock market, and international developed and emerging markets. Your money is invested in thousands of companies through fractional shares. Exactly how much of your portfolio is made up of which stocks depends on the exact target allocation.
Each portfolio is available at the individual goal level, and adjusts its recommended allocation or target income based on your preferences and time horizon.
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We do the investing work for you.
At WealthMore, you do not need to do the work of researching and selecting individual stocks or funds to invest in. We match you to your investment portfolio based on your goals, investing horizon, and risk preference.
We offer diversified portfolios made up of low-cost and liquid ETFs. The portfolio was chosen to help provide optimal returns at every level of risk, and is rebalanced as the market fluctuates and as you grow closer to your goal’s end date, if you have a time horizon set.We believe in passive investing. The majority of the evidence shows that active management, whether by individual investors or fund managers, can cause more harm than good in net-of-fee returns. This is why we invest in low-cost, passive investments and seek to match the market’s performance.
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WealthMore currently offers individual taxable accounts via our paid investing plans, Invest+ and Premium Advice+
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Yes. You can upgrade your plan anytime.
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Premium Advice+ members can link external accounts and receive guidance on external holdings as part of comprehensive financial planning.
Company Information
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WealthMore is an investing and financial planning service and community where our professional wealth advisors help guide you towards your financial goals.
WealthMore also offers a range of plans at a fee to fit your budget. Our Invest+ Plan, recommended for starters, is $25 per month with no account minimum.
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Wealth More Enterprise, Inc is an SEC-registered Investment Advisor, and assets invested with WealthMore are held by our custodian Apex Fintech Solutions, an SEC-registered broker-dealer and member of FINRA /SIPC.
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Our wealth advisors are FINRA-licensed professionals — including CFP®, Series 7, and Series 63 designations — and fiduciaries legally required to act in your best interest.
They help you with all areas of your financial plan - from cash flow management to estate planning to retirement planning.
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We like to point to five major ways we're focused on helping our customer grow wealth:
The power of advice- When you have investment and wealth planning questions, your financial planners and registered investment advisors are ready to help.
The power of insights- We share insights and personalized recommendations from our wealth advisors to help you do better.
Strength in community - We can help inspire each other. We can go further together. Our service allows you to be part of communities with shared goals who can help motivate you to do more.
The big picture - We give you the opportunity to connect your external accounts to see your complete financial picture in one place.
We’re a fiduciary, always—we are required to act in your best interest and we're required to disclose any potential conflict of interest. For instance, we do not have or recommend any WealthMore-created funds for our client portfolios.
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WealthMore makes money in two simple ways:
Our Invest+ Plan is a flat fee of $25 per month with no account minimum.
Our Premium Advice+ is a flat fee of $125 per month with no account minimum.
Start working 1:1 with an advisor and investing with as little as $1.
We don't earn revenue from any funds we've selected for your portfolio. We also don't make money in our trading practices. We're a fiduciary, always.
Financial and Data Security
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Apex Clearing Corporation, a wholly owned subsidiary of Apex Fintech Solutions Inc., is an SEC registered broker-dealer, a member of FINRA and SIPC, and is licensed in 53 states and territories, serves as custodian for WealthMore client accounts.
Apex Clearing Corporation, is a member of SIPC, which protects securities customers of its members up to $500,000 (including $250,000 for claims for cash). Explanatory brochure available upon request or at www.sipc.org. What you should remember is that the SIPC does not protect against market changes in your account. The risks inherent in investing are tradeoffs you make to pursue investment returns.
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We use security best practices.
Encryption Practices
Data Encryption
Your data is encrypted with Advanced Encryption Standard (AES) 256-bit encryption protocol. Encryption keeps your data private and safe.
At Rest Encryption
Our databases and file storage servers, including all automated backups, are encrypted. At rest encryption prevents unauthorized data retrieval. At rest encryption prevents unauthorized data retrieval.
In Transit Encryption
All data is encrypted in transit via Transport Layer Security (TLS) protocol when moving between your browser, and all Range systems. TLS securely connects your browser to our servers.
Two factor authentication
Two factor authentication is an added layer of security for your account, and is a feature automatically set on your account using your mobile device. With two factor authentication enabled, an attacker who only knows your password would not be able to access your account. Additionally, your authenticated session with WealthMore is terminated when you log out or after a period of inactivity.
Compliance
We adhere to financial industry best practices and continually review and update our security policies to ensure your data is protected. We have policies in place around data security, access control, network security, and more.
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Apex Clearing Corporation, a wholly owned subsidiary of Apex Fintech Solutions Inc., is an SEC registered broker-dealer, a member of FINRA and SIPC, and is licensed in 53 states and territories, serves as custodian for WealthMore client accounts.
Apex Clearing Corporation, is a member of SIPC, which protects securities customers of its members up to $500,000 (including $250,000 for claims for cash).
The Securities Investor Protection Corporation (SIPC) provides insurance that protects your investments, including those held by our custodian, Apex Clearing Corporation. SIPC covers up to $500,000 of missing assets, including a maximum of $250,000 for cash claims.
The limit applies only to the value of missing securities, not losses due to market volatility. If there are securities identified as belonging to the customer, these (or their equivalent value) will be returned regardless of account size, and the $500,000 limit will apply only to the difference.
Types of accounts and investments generally protected by SIPC include stocks, bonds, mutual funds, money market mutual funds (MMMFs), certificates of deposit (CDs), annuities, government securities, municipal securities, and U.S. Treasury securities (Treasuries).