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The fee is billed in advance, is negotiable and has a $500 annual minimum.","source":"WCM DISCLOSURE BROCHURE, filed 24 March 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Wealthcare Capital Management use?","answer":"Wealthcare Capital Management’s separately managed account assets are held at LPL Financial LLC (Boston, MA), with $1.7B and Charles Schwab & Co., Inc. (San Francisco, CA), with $1.67B. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 21 May 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Wealthcare Capital Management have?","answer":"Wealthcare Capital Management has 35 investment adviser representatives registered with state securities authorities, out of 54 employees, and 35 perform investment advisory functions. 1 employee is a registered representative of a broker-dealer and 5 employees are licensed insurance agents.","source":"Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What does Wealthcare Capital Management invest in?","answer":"At the end of its last fiscal year, Wealthcare Capital Management’s separately managed accounts held 85% registered funds (mutual funds, ETFs, BDCs), 7% exchange-traded equities, 4% cash and equivalents, 3% other and 1% pooled vehicles (private funds and similar). The 3% other category is described as: Commodities and Structured Notes.","source":"Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Who owns Wealthcare Capital Management?","answer":"Wealthcare Capital Management is owned through a chain of holding companies by Wealthcare Parent Inc. and Sammons Enterprises, Inc. Its direct owners are Wealthcare Parent Holdings LLC (75% or more) and Sammons Financial Group, Inc. (75% or more).","source":"Form ADV Part 1A, Schedules A and B, filed 21 May 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Wealthcare Capital Management get paid?","answer":"Wealthcare Capital Management is paid through a percentage of assets under management, hourly charges and fixed fees. 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