Question 1

Who is Guided Wealth designed for?

Accepted Answer

Most of the families we work with have $1M or more in investable assets, or $5M+ in total net worth. Many are business owners, executives with equity compensation, or households within a few years of retirement. What they share is enough complexity that investment advice alone is no longer sufficient.

Question 2

What makes Guided Wealth different from a traditional wealth manager?

Accepted Answer

Planning is the center of the relationship rather than a service attached to a portfolio. Tax strategy, retirement income, estate coordination, and investments are handled as one connected plan, and planning is priced as a flat membership fee rather than depending on the size of your portfolio.

Question 3

What does the first year look like?

Accepted Answer

The first year is the build year. We gather and organize your full financial picture, model retirement income and tax scenarios, coordinate your estate documents, and implement the priorities in sequence. From there the relationship moves to ongoing planning, monitoring, and annual updates as your life changes.

Question 4

How are your fees structured?

Accepted Answer

We are compensated directly by our clients, not through commissions or product sales. Planning fees are based on the membership tier that fits your needs and are billed monthly, with an additional first-year amount that covers the initial planning and implementation work. Investment management is optional and billed separately as an annual percentage of assets under management. Third-party costs such as fund expense ratios, custodian fees, and transaction charges are separate and are not paid to Guided Wealth. Our fee schedule is described in our Form ADV Part 2A and Form CRS, and we review the exact numbers with you before you commit to anything.

Question 5

What is your investment management fee schedule?

Accepted Answer

Investment management is optional and billed separately. Fees are based on assets under management and calculated using a blended tier schedule from our Form ADV Part 2A.

Question 6

Do you manage investments directly?

Accepted Answer

Yes, for clients who want it. Portfolio management is an optional service alongside planning, and in some situations we may use independent managers for specific strategies. Client assets are held at an independent qualified custodian, not by Guided Wealth.

Question 7

Do I have to transfer my assets to Guided Wealth?

Accepted Answer

No. Planning is available without moving any assets. Some clients engage us for planning alone and keep their accounts where they are; others consolidate over time. If you do move assets, they are held at an independent qualified custodian in accounts titled in your name.

Question 8

Can I keep my existing CPA and estate attorney?

Accepted Answer

Yes. Many clients come to us with professionals they trust, and we work alongside them. Where legal or tax advice is required, that work stays with your attorney or CPA.

Question 9

How do you work with my existing professional team?

Accepted Answer

We coordinate directly with your CPA, estate attorney, and insurance professionals so tax strategy, estate documents, and the financial plan stay aligned rather than being handled in isolation. When you need a specialist you don't have, we can introduce you to one.

Question 10

What happens if I already have a financial advisor?

Accepted Answer

That conversation is worth having regardless of the outcome. We'll review what you have, tell you plainly where it appears well handled, and identify what may be missing. If your current relationship is serving you well, we'll say so.

Question 11

Do you work with business owners following a liquidity event?

Accepted Answer

Yes. A sale changes the tax picture, the income picture, and the estate picture at the same time. We help coordinate proceeds, charitable and tax planning strategies, the transition from business income to portfolio income, and updates to your estate documents alongside your attorney and CPA.

Question 12

How does the relationship evolve as my family's wealth becomes more complex?

Accepted Answer

Membership tiers exist for that reason. As complexity increases through multi-generational planning, concentrated positions, philanthropy, or business interests, the scope of coordination expands and the tier can change with it. The scope and fee are reviewed with you before any change.

Question 13

Do you work with families outside of Massachusetts?

Accepted Answer

Yes. We work with families across the United States, subject to applicable state registration requirements. Our approach was built to work virtually without sacrificing the depth or personal attention our clients are used to.

Question 14

What's the first conversation actually like?

Accepted Answer

It's 45 minutes, and it's genuinely just a conversation. We'll ask about your life, your goals, and what's on your mind. You'll ask us about how we work. No pitch, no pressure. At the end, we'll both have a clearer sense of whether this relationship makes sense.

We Believe in Transparency

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