WEALTHCARE SOLUTIONS

Yes. As a Registered Investment Adviser with the U.S. Securities and Exchange Commission, WEALTHCARE SOLUTIONS is legally obligated to act as a fiduciary to its clients. This means the firm must place client interests ahead of its own, disclose conflicts of interest, and cannot earn commissions on recommended trades. The fiduciary standard is a structural requirement under the Investment Advisers Act of 1940 and applies to all RIA firms.

WEALTHCARE SOLUTIONS charges advisory fees calculated as a percentage of assets under management, consistent with the standard RIA compensation model. Public regulatory filings also permit fixed-fee arrangements. The firm does not earn brokerage commissions or receive third-party payments that would create a conflict between trade frequency and client outcomes. Exact fee schedules are disclosed in the firm's Form ADV Part 2 brochure.

Based on publicly available SEC filings, WEALTHCARE SOLUTIONS does not sponsor or manage private investment funds, hedge funds, or pooled investment vehicles. The firm operates a traditional separately-managed-account model using individual securities, ETFs, and mutual funds. Institutional allocators seeking private-fund access would need to look elsewhere.

The firm's regulatory disclosures describe a client base of individual investors, including both retail and high-net-worth individuals. There is no public evidence of institutional separate-account mandates, pension-fund relationships, or endowment clients. The firm's minimum account size and any net-worth qualification thresholds are not publicly disclosed but would be detailed in the firm's client agreement and Form ADV.

WEALTHCARE SOLUTIONS constructs portfolios using asset-allocation models tailored to individual client risk profiles. The firm does not market a proprietary research platform or claim unique deal-flow advantages. Investment selection draws primarily on publicly traded securities—individual stocks, bond issues, ETFs, and mutual funds—making the sourcing model inherently different from private-markets firms that rely on manager-access networks or origination teams.