A dedicated CFP® professional, on call all year — from $895.

Introducing VR Circle Membership: investment guidance or financial planning from a fiduciary CFP® professional — at a flat annual fee. Two membership options, $895 or $2,495 a year.

Schedule a FREE Discovery Call

A free 15-minute call first — no cost, no obligation. We'll help you find the right membership tier.

Flat-fee investment advice and financial planning

VR Circle gives you a dedicated CFP® professional you can reach whenever a decision comes up, plus regular check-ins throughout the year to keep your bigger plan on track. Advice is primarily for ongoing investment guidance; Planning adds full financial planning — retirement, tax, Social Security, insurance, and cash flow. Both tiers are billed as a flat annual fee, so what you pay doesn't grow just because your portfolio does.

For investment guidance
VR Circle Advice
Ongoing investment guidance at a flat annual fee — no assets moved.
$895/year
Billed annually
Get Started
What’s included:
  • Meet with a dedicated CFP® professional
  • 1 annual planning meeting
  • Ongoing investment guidance — keep your accounts where they are
  • Personalized financial roadmap
  • Unlimited advisor messaging
  • Member-only events (virtual + exclusive in-person)
  • Coverage for you and your spouse
  • 100 for 100 Guarantee
For comprehensive planning
VR Circle Planning
Comprehensive financial planning at a flat annual fee — retirement, tax, Social Security, insurance, and cash flow.
$2,495/year
Billed annually
Get Started
What’s included:
  • Meet with a dedicated CFP® professional
  • 4 quarterly planning meetings with defined agendas
  • Retirement, tax, Social Security, insurance, and cash flow planning
  • Personalized financial roadmap
  • Unlimited advisor messaging
  • Member-only events (virtual + exclusive in-person)
  • Coverage for you and your spouse
  • **100 for 100 Guarantee**

What a Planning year often looks like

Four meetings with defined agendas — so nothing important gets pushed to next December.

Q1
Annual review of current-year goals
Set the year's priorities: what you want to accomplish, what could get in the way, and how to track progress.
Q2
Tax review and planning
Look at last year's return and your current withholding to catch opportunities before you file next spring.
Q3
Portfolio review
Check your allocation against your risk tolerance, rebalance if needed, and revisit your contribution strategy.
Q4
Year-end planning and tax optimization
Roth conversions, charitable giving, capital-gains harvesting — the moves that only work before December 31.

Is a VR Circle membership right for you?

Both memberships give you ongoing access to a CFP® professional — the right one depends on whether you need investment guidance or comprehensive financial planning.

VR Circle Advice
Advice is right for you if…
  • You want a CFP® professional on call for financial decisions as they come up.
  • You want investment guidance without moving your accounts.
  • One thorough check-in a year is enough to keep you confident you're on track.
  • You want a flat, predictable fee — not a percentage of your assets.
VR Circle Planning
Planning is right for you if…
  • You're actively planning for or navigating retirement.
  • You want quarterly meetings with defined agendas, not just one annual review.
  • Tax, Social Security, and cash flow decisions are on your mind (or should be).
  • You want a proactive partner — someone who's checking in on your plan, not just answering when you call.

Add-ons: specialty services that build on what you already have

Four optional services you can add to your VR Circle membership at any time. Each is delivered by a specialist, so you only add what you actually need.

For VR Circle Planning clients
Flat-Fee Strategic Investing
Actively managed portfolios at a flat annual fee — not a percentage of your assets. Predictable pricing that stays flat as your wealth grows.
Fee $11,995 / year
Account minimum $1M+
Learn more →
For VR Circle Planning + FIM clients
Medicare Guidance
One-on-one help navigating Medicare Advantage, Supplement (Medigap), and Part D from a licensed Medicare expert. No obligation, no sales pressure.
Fee Complimentary
Delivered by Greg Riabov, our licensed Medicare insurance agent
Learn more →
For all Vision Retirement clients
Income Tax Preparation
Personal tax returns prepared by a CPA at our sister firm, Advisor Tax Prep — reviewed with your CFP® professional to catch planning opportunities before you file.
Fee Starting at $450
Delivered by Advisor Tax Prep
Learn more →
For all Vision Retirement clients
Estate Planning
Build your will, trust, and healthcare directives online through our partner wealth.com — with a complimentary attorney consultation and CFP® guidance included.
Fee Starting at $1,499
Delivered by wealth.com
Learn more →

FIM = Tactical Fiduciary Investment Management, a full-service, actively managed investment management option.