Updated August 1, 2026. Quick answer: Wealthramp is a small, genuinely registered referral platform — WEALTHRAMP, INC., CRD 290683, SEC file 801-112170, registered since December 15, 2017, with no disciplinary history on its Form ADV. It refers you to third-party advisers and manages nothing itself. The finding that matters most is one Wealthramp discloses about itself: “The third-party investment advisors pay us different levels of fees… This creates a conflict of interest for us as we have an incentive to refer you to third-party investment advisors that pay us higher levels of fees.” It also states it requires no account minimum. The widely repeated claim that its network is fee-only, we could not verify at all — see below.
What it is, confirmed from the filings
Wealthramp’s Form CRS describes the business exactly:
“We provide you with an interactive, online financial advice matching platform… Our mission is to refer you to third-party investment advisor who can assist you with your financial needs. We do not manage any accounts or investments, nor do we provide ongoing monitoring of investment portfolios… Our investment advisory services are limited to making referrals to third-party investment advisors.”
— Form CRS as filed November 3, 2020. The structure corroborates it: on Form ADV Part 1A the firm checks only “Selection of other advisers” among its advisory services, with no portfolio management and no financial planning. It is a Delaware corporation, internet-only, four employees, led by Pamela Krueger. Part 1A Item 11 answers “No” to every disciplinary question. The Part 1A was amended June 10, 2026, so the registration detail is current even though the client-facing CRS is older.
The conflict, in its own filing
“We are compensated through referral fee arrangements with third-party investment advisors. We are only compensated if you engage a third-party investment advisor that has contracted us to share in the revenue generated by your relationship… We do not charge you a fee to utilize our platform.”
“The third-party investment advisors pay us different levels of fees based upon the fee arrangement stipulated in the agreement. This creates a conflict of interest for us as we have an incentive to refer you to third-party investment advisors that pay us higher levels of fees.”
— Form CRS, as filed November 3, 2020. Part 1A Item 5.E checks only “Other (specify): REFERRAL FEES” — no AUM percentage, no hourly, no commissions — and Item 8.I confirms it receives compensation for client referrals. This is the same economic shape as every service in the category. What is unusual is that Wealthramp names the incentive in the plainest possible language.
The fee-only claim: we could not verify it
Wealthramp is widely described — including in earlier versions of our own comparison — as the one network that requires its advisers to be fee-only. We could not source that to any document we could reach. It would normally appear in Form ADV Part 2A, and that brochure returns HTTP 403 from the SEC’s own document server; wealthramp.com returns 403 to every direct request as well. So the claim may well be true, and we are not able to stand behind it, so we no longer state it. If you are choosing Wealthramp specifically for a fee-only guarantee, ask them to put the standard in writing.
What we can state: “We do not require an account or relationship size minimum in order to use our platform.” (Form CRS, same filing.) The firm is notice-filed in California, Colorado, Florida, Illinois, Louisiana, Massachusetts, Michigan, Minnesota, North Carolina, New Jersey, New York, Texas and Virginia.
One filing oddity worth knowing
The Form CRS served at the URL keyed to CRD 290683 prints its own header as “Wealthramp, Inc. (CRD# 307906)”. Three independent and internally consistent sources — the IAPD record, the Form ADV Part 1A itself, and the SEC registration entry — give 290683, so we treat 290683 as correct and the number inside that document as an error in it. We flag it rather than quietly reconciling it, because anyone checking our work against that PDF will hit the same contradiction.
Who it fits
Wealthramp fits someone who wants a deliberately small, curated introduction rather than several sales calls, and who has no minimum to clear. It fits less well if you need the network itself to guarantee a compensation standard, since the one usually attributed to it is currently unverifiable. Compare the alternatives at every matching service side by side, and benchmark whatever quote you get against the measured 2026 fee data and the fee checker. Then run the adviser yourself with our vetting walkthrough.
Comparing more than one introduction is the cheap part.
The matching service below introduces you to advisers who pay to meet you – the same economics every service on this page discloses. It is free to you, and it is not the only route.
Before you start, what actually happens. The form is run by Kapitalwise, our advisor-matching partner. It asks about nine questions — age, investable assets, location — then your name, email and phone number, and verifies the phone by text.
Kapitalwise sends your details to advisers who pay for the introduction, so expect calls and texts. Clear Money Guide is paid when you submit the form, whether or not you ever hire anyone. Nothing loads and nothing reaches Kapitalwise until you press the button.
Compare fees, scope, conflicts, credentials and fiduciary duty before you hire anyone.
The Kapitalwise form opens here — you stay on this page.
Our position, said outright. The matching service in the box above is our partner and we are paid when you submit it; Clear Money Guide has no relationship with the service reviewed on this page, and was not paid for or shown this review. Comparing both is entirely reasonable, and neither is the only way to find an adviser. Every fact below is quoted from the company’s own current filings or disclosure pages, read on August 1, 2026, with the document date shown.
The number that surprises people who bought a long time ago
Downsizing is the one home sale where the gain is usually large and the exclusion usually still covers it. A couple who bought in 1994 for $180,000 and sell at $760,000 with $46,000 of selling costs have a realized gain of about $534,000 before improvements. That is above the $500,000 joint cap — but decades of capital improvements are exactly what brings it back under, and most sellers have never added them up.
Improvements are the lever, and the records are the constraint
A new roof, an addition, a replaced HVAC system, new windows, a finished basement: these add to basis. Repainting and repairs do not. Thirty years of improvements on a family home routinely total six figures, and every dollar of it reduces the gain dollar for dollar. The practical problem is documentary, not legal — the seller who kept receipts pays less than the identical seller who did not.
Why downsizers should check the net investment income tax separately
A retiree with modest ordinary income can still be pushed over the 3.8 percent NIIT threshold by the sale itself, because taxable gain is net investment income. The thresholds are $250,000 on a joint return and $200,000 otherwise, written into Section 1411(b) as fixed figures with no indexing. A sale that produces $120,000 of taxable gain on top of $180,000 of other income crosses the joint threshold and picks up 3.8 percent on the part above it.
The move itself may change the tax
Downsizing usually means moving, and sometimes across a state line. Some states tax the gain the federal exclusion just removed. If the sale and the move are in the same year, the order of the two matters, and it is worth checking the destination state before signing.
Related
Methodology
- Exclusion caps, the 2-of-5 test, the nonqualified-use allocation, the reduced-exclusion fraction and the depreciation carve-out are taken from the text of 26 U.S.C. 121. The 3.8 percent rate and its thresholds are from 26 U.S.C. 1411. Both were read on 2026-07-30.
- Section 121 caps and Section 1411 thresholds are written in the statute as fixed dollar amounts with no indexing mechanism, so they are built in. Long-term capital gain brackets ARE indexed annually, so your rate is an input rather than a lookup.
- Figures were computed by two independently written engines that agree to the cent, and the calculator on this page reproduces both exactly.
- Federal only. State treatment varies and some states do not follow the federal exclusion.
Educational estimate, not tax advice, and not a filed return. Federal only. Confirm anything that changes a filing decision with a CPA or tax attorney.
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