The Process
At WR Anderson & Co, we offer 360° Wealth Planning, a modern family office–style planning service designed for people who want coordinated guidance before a single dollar is invested. We build your comprehensive plan, then proactively align the areas that move the needle most: taxes*, estate planning*, insurance risk, and investment management.
You’ll get a clear action roadmap, regular reviews, and fast access for life’s major decisions, so you can act with confidence. We review and coordinate with your CPA and attorney to keep everything moving forward and working in the same direction. If you want high‑level planning that is traditionally reserved for Ultra High Net Worth families, 360° Wealth Planning™ is for you.
For more details, click on the pie chart below.
WR Anderson & Co
360° Wealth Planning™
A modern, family office–style planning service. We proactively coordinate the areas that move the needle most — click any area to learn what it means for you.
High-level planning traditionally reserved for ultra-high-net-worth families — now within your reach.
How We Work With You
Financial planning isn't just for people with large investment portfolios. It's for anyone serious about building a better financial future. That's why we offer two ways to work with us. Our NexGen Consulting or Traditional Asset Management, both models deliver the full 360° Wealth Planning™ experience. The difference is in how you pay for it. Not sure which model fits you? That's exactly what your complimentary initial consultation is for.
NexGen Consulting
Designed for clients who are in the wealth-building phase. If you are just getting started or your savings are tied up in a 401(k), it can be difficult to find a quality professional to work with. This program gives you access to ongoing, comprehensive planning for a flat monthly fee, regardless of where your assets are held.
Asset Management
for clients who are ready to have their investments professionally managed alongside their financial plan. We charge an annual fee based on the assets we manage directly. Every service included in the Consulting program is included complimentary for clients with $250,000 or more in managed assets.
Consulting Based Financial Planning
| Programs | NexGen Core | NexGen Complete |
|---|---|---|
| Initial Complimentary Consultation | 1 | 1 |
| In-Person Meeting and/or Virtual Meetings Per Year | Initial: 2-3 Ongoing: 1-2/yr | Initial: 2-3 Ongoing: 1-2/yr |
| Phone Calls or eMails | As Needed | As Needed |
| Monthly Consulting Fee (per household, annual commitment) | Initial: $1,250 Ongoing: $250/mo | Initial: $2,150 Ongoing: $300/mo |
| Resources | ||
| AdviceWorks Client Portal | ✓ | ✓ |
| Financial Plan Goal Tracker | ✓ | ✓ |
| Goal Planning | ✓ | ✓ |
| All In One Place Account Linking | ✓ | ✓ |
| Secure Document Vault | ✓ | ✓ |
| Budgeting & Expense Tracking | ✓ | ✓ |
| Monthly & Quarterly Newsletters | ✓ | ✓ |
| Educational Workshop Invitations | ✓ | ✓ |
| Personal Planning Areas | ||
| 360 Financial Plan / Retirement Income Model | ✓ | ✓ |
| Riskalyze — Advanced Risk Assesment and Analysis (Risk Number) | ✓ | ✓ |
| Quarterly Asset Allocation based on personal risk number | ✓ | ✓ |
| Insurance Analysis — Life, Disability, Long Term Care, Property & Casualty | ✓ | ✓ |
| Debt Analysis & Reduction Strategies | ✓ | ✓ |
| Workplace Retirement Plan Analysis | ✓ | ✓ |
| College Financial Aid Planning | ✓ | ✓ |
| Medicare Planning/Education | ✓ | ✓ |
| Social Security Planning | ✓ | ✓ |
| Charitable Giving Planning | ✓ | ✓ |
| Legacy Planning Needs | ||
| Review of current Estate Planning Strategy* | — | ✓ |
| Tax Strategy | ||
| Tax Advisory & Reduction Planning* | — | ✓ |
* The advisor may provide education regarding estate planning and tax planning concepts as part of the financial planning process. Legal and tax services are separate from the financial planning services offered through Cetera and may be provided through independent third-party service providers.
| Assets Under Management Fee Schedule3 | |
|---|---|
| Amounts less than $250,000 | 1.50% |
| Amounts between $250,000 and $500,000 | 1.25% |
| Amounts between $500,000 and $1,000,000 | 1.00% |
| Amounts between $1,000,000 and $2,500,000 | 0.90% |
| Amounts between $2,500,000 and $5,000,000 | 0.75% |
| Greater than $5,000,000 | 0.60% |
- Annual investment advisory fees are billed quarterly and based on the account value at the end of each quarter.
- Household members will benefit from account balance aggregation to achieve favorable advisory fee breakpoints.
- In addition to above, clients pay a Manager Fee, based on selected investments.
1.) Cetera Advisors LLC exclusively provides investment products and services through its representatives. Although Cetera does not provide tax or legal advice, or supervise tax, accounting or legal services, Cetera representatives may offer these services through their independent outside business. This information is not intended as tax or legal advice. 2.) Financial Planning & Consulting may be a complimentary no obligation service based on AUM provided to new and existing advisory clients. Financial Planning & Consulting Services is completed through a separate agreement from the Investment Management Services agreement. Please refer to the firm's ADV Part 2A and the client's agreement for additional platform, strategist or any related fees that may apply.