WEALTHCARE SOLUTIONS

WEALTHCARE SOLUTIONS

WEALTHCARE SOLUTIONS, LLC is registered with the U.S. Securities and Exchange Commission as a Registered Investment Adviser (RIA), a legal designation that establishes a fiduciary duty to place client interests ahead of the firm's own. The firm's Form ADV disclosures—publicly available through the SEC's Investment Adviser Public Disclosure database—describe a discretionary asset-management business serving individual investors. Unlike a broker-dealer, WEALTHCARE SOLUTIONS cannot earn commissions on recommended trades; its revenue derives entirely from advisory fees calculated as a percentage of assets under management or fixed retainer fees. The firm's investment strategy relies on asset-allocation models that weight equity and fixed-income exposures according to client-specific risk tolerances and time horizons. Public filings indicate the firm uses a combination of individual securities, exchange-traded funds, and mutual funds to build portfolios. Equity allocations span large-cap domestic, international developed-markets, and emerging-markets exposures, while fixed-income sleeves incorporate government, municipal, and investment-grade corporate bonds. The firm does not appear to operate private funds, hedge-fund structures, or pooled investment vehicles that it sponsors. As of its most recent regulatory filing, WEALTHCARE SOLUTIONS reports a modest client base concentrated among retail and high-net-worth individuals. The firm operates from a single office location and does not publicly disclose separate institutional accounts, pension-fund mandates, or endowment relationships. Its staff count and assets-under-management figures remain below the thresholds that would trigger broader public reporting requirements or media coverage. Structurally, WEALTHCARE SOLUTIONS functions as a pure advisory practice with no affiliated broker-dealer, insurance agency, or private-fund complex. This separation means clients receive portfolio management unencumbered by proprietary product-distribution incentives—a meaningful governance distinction in the retail-wealth space. The firm's ongoing viability depends on fee-based revenue from managed accounts, creating an incentive alignment that rewards asset retention and long-term portfolio performance rather than transaction volume.