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Updated September 28, 2026. Quick answer: Wealthcare Capital Management discloses management fees at an annual rate of up to 1.85%, negotiable at its discretion, in its Form ADV Part 2A (March 24, 2026); the brochure says a rate above 1.85% is possible when alternative investments are used, and an independent manager’s fee is separate. Converted to dollars, 1.85% runs $9,250 a year on a $500,000 account; see the full table below for $250,000, $1 million and $2 million.
The published numbers
From the Form ADV Part 2A (March 24, 2026): “Management fees are at an annual rate of up to 1.85% based on several factors including the types of investments, size of the Client relationship, reporting requirements, portfolio restrictions and other factors.”
Note: CRD 111119 was confirmed ACTIVE and SEC registered through a live SEC IAPD lookup on September 28, 2026. Wealthcare Capital Management LLC is the registered adviser and the brochure refers to it as WCM. The brochure reports $3,928,651,410 in client assets under management as of December 31, 2025. The priced figure is the management fee for individual wealth and investment management clients, which the brochure sets by factors including investment types, relationship size and reporting requirements.
The stated upper rate: 1.85% per year (The priced figure is the 1.85% upper rate for the firm’s wealth and investment management service. The brochure adds that the rate may be exceeded when alternative investments are used, so 1.85% is a stated upper rate, not an absolute cap. When an independent manager is used, that manager’s fee is separate, and the brochure says the total blended fee, the firm’s fee plus the independent manager’s fee, will not exceed 2.00% annually, though it may exceed 2.00% if an outside adviser handles alternative investments. Custody and securities execution fees, fund and ETF expenses, and platform fees on the optional gold and silver bullion platform are separate and are not included in the figures below. Financial planning, retirement plan and model management services carry their own fees.).
What you would pay
| Account balance | Annual fee (dollars) | Effective rate |
|---|---|---|
| $250,000 | $4,625 | 1.85% |
| $500,000 | $9,250 | 1.85% |
| $1,000,000 | $18,500 | 1.85% |
| $2,000,000 | $37,000 | 1.85% |
Each balance is priced at the stated 1.85% upper annual rate applied to the whole household asset value. The brochure says the firm imposes a minimum fee of $500 that it can waive at its sole discretion; that floor does not bind at any balance shown, because 1.85% of $250,000 is already $4,625. These are figures at the stated 1.85% upper rate, not typical charges, since the brochure says fees may be negotiable and the rate depends on the factors it lists; they exclude any independent manager’s fee and can be exceeded when alternative investments are used.
How this compares
Our benchmark of published adviser fee schedules puts the weighted median annual cost near $2,000 to $2,500 on $250,000 (the benchmark). At $500,000, Wealthcare Capital Management’s own stated upper rate of 1.85% comes to $9,250 a year, before any independent manager fee.
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- Form ADV Part 2A (March 24, 2026): https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1024673
- SEC Investment Adviser Public Disclosure, Wealthcare Capital Management LLC (CRD #111119): https://adviserinfo.sec.gov/firm/summary/111119
- Wealthcare Capital Management LLC, SEC Form ADV filing: https://reports.adviserinfo.sec.gov/reports/ADV/111119/PDF/111119.pdf
Methodology. This page was built September 28, 2026, drawing on Wealthcare Capital Management’s own SEC-filed disclosure and, where cited, its published fee schedule, with sources linked above; any figure we could not independently confirm before publication is named as an honest gap rather than presented as verified. Nothing here is personalized financial, tax, legal, or investment advice. See our Editorial Policy, Corrections, Affiliate Disclosure, and Disclaimer.
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