Clear Money Guide
What this review evaluates
A decision brief covering fit, cost, limitations and alternatives.
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.
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. 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. This is free to you and there is no obligation to hire anyone.
The Kapitalwise form opens here — you stay on this page.
What happens when you press the button
It asks about nine questions — age, investable assets, location — then your name, email and phone number, and verifies the phone by text. Nothing loads and nothing reaches Kapitalwise until you press the button.
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.
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.
For your own numbers, run the AUM Fee Calculator 2026: 1% Advisor Fee in Dollars.
See Read the adviser-hiring guide for more on this.