A dedicated CFP® professional, on call all year — from $895.
A CFP® professional on call for life’s money decisions — mortgages, 401(k)s, job changes, retirement timing. Three tiers, from $895/year.
A free 15-minute call first — no cost, no obligation. We'll help you find the right membership tier.
Introducing VR Circle
An ongoing-advice membership with a dedicated CFP® professional.
Most financial advice arrives once a year, at a scheduled review. But real financial decisions don't wait for the calendar — a job change, a home purchase, a market drop, a question about your 401(k) can land any week of the year.
VR Circle is built for exactly that. It's an ongoing-advice membership: a dedicated CFP® professional you can reach whenever a decision comes up, plus regular check-ins that keep your bigger plan on track. Three tiers — Advice, Planning, and VR 360 — each build on the one before, so your membership matches the level of support you want.
Three ways to be a member.
Every VR Circle membership covers you and your spouse, is billed annually, and is backed by our 100% money-back guarantee.
| Feature |
ADVICE
$895/year
Ongoing access to a CFP® professional for the financial decisions life throws at you — plus annual meetings, portfolio monitoring, and an investment roadmap.
|
PLANNING
$2,495/year
Everything in Advice, plus a retirement roadmap and the work to keep it on track.
|
VR 360
$3,995/year
Our complete membership — planning, tax prep, estate support, insurance review, and more.
|
|---|---|---|---|
| Ongoing CFP® professional access | ✓ | ✓ | ✓ |
| Scheduled meetings | Annually | Semi-annually | Quarterly |
| Portfolio monitoring | Annually | Semi-annually | Quarterly |
| Investment roadmap | ✓ | ✓ | ✓ |
| VR Risk Score | ✓ | ✓ | ✓ |
| Essentials Check-in | ✓ | ✓ | ✓ |
| Monthly Pulse | ✓ | ✓ | ✓ |
| Cash-flow planning | — | ✓ | ✓ |
| Retirement income analysis | — | ✓ | ✓ |
| Social Security review | — | ✓ | ✓ |
| Income tax snapshot | — | ✓ | ✓ |
| Tax planning | — | ✓ | ✓ |
| Income tax preparation | — | — | ✓ |
| Estate planning support | — | — | ✓ |
| Insurance review | — | — | ✓ |
| Identity theft protection | — | — | ✓ |
| 100% money-back guarantee | ✓ | ✓ | ✓ |
Other Membership Details
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Membership is charged on an annual basis, with payment due upon initial engagement.
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All clients enjoy our “100 for 100 Guarantee.” If you’re not 100% satisfied with your membership at any time during the process, we'll refund 100% of your membership fees for the year.
Advice Membership
At the heart of every membership is ongoing access to a CFP® professional — someone to turn to whenever a financial question comes up. You'll get tailored guidance on how and where to invest to reach your goals. VR Circle is advice-focused — you make the final calls on your investments. If you'd rather hand the investing off entirely, see our advisor-driven solutions.
And advice goes well beyond investing. Buying a home and unsure which mortgage fits? Working to pay down debt? Not sure how to allocate your 401(k) — or what to do with it when you change jobs? Those everyday decisions, big and small, are exactly when a quick call to your CFP® professional pays off.
Also included:
Annual Checkup
We’ll meet once a year to assess if you’re on track to achieve your objectives—just like your annual physical but far less stressful.
Essentials Check-in
A structured Q&A across the parts of your financial life that don't always get attention: insurance, employee benefits, and estate-planning basics. We ask the questions that flag where you may have gaps — a starting point for what to look at more closely.
Investment Roadmap
Your goals, risk tolerance, and time horizon translated into a clear plan — so you always know what to do next and why.
Monthly Pulse
A quick monthly email survey to gauge how you're feeling about the markets and your financial future. When your outlook shifts, we can act on it — instead of waiting for the next review.
Portfolio Monitoring
As economic conditions and your own personal circumstances inevitably evolve over time, we’ll review your investments on a periodic basis with this always top of mind to determine if any changes are needed.
VR Risk Score
An objective, technology-driven measure of your true risk tolerance — so your portfolio matches how you actually feel about risk, not just how you answered a questionnaire ten years ago.
Planning Membership
Planning picks up where Advice leaves off: a clear read on whether you're on track for retirement, with specific moves to make if you're not.
We go deeper on the pieces that actually determine the answer — cash flow, retirement income, Social Security timing, and the tax moves that quietly add (or subtract) years of runway — and meet twice a year instead of once to keep it current.
Also included:
Cash Flow Planning
Understand where your money goes and how it can fund your goals — whether you're building toward retirement or already living off your assets.
Income Tax Snapshot
We’ll analyze your most recent income tax return to identify potential tax-planning opportunities based on your current situation such as tax-efficient investment recommendations, wealth-building strategies, and tactics to maximize charitable giving.
Retirement Income Analysis
Compare your current income and assets against expected retirement costs, stress-test different scenarios (market drops, longer lifespans, healthcare surprises), and identify the moves that keep your plan on track.
Semi-Annual Touchbase
We’ll touch base twice a year to assess if you’re on track to achieve your goals.
Social Security review
Figure out the optimal time to claim, coordinate benefits between spouses, and see how Social Security fits alongside your other income sources — so you don't leave money on the table.
Tax Planning
Not properly planning for taxes can quickly erode your investment gains, no matter how solid your financial plan is. We'll review your income projections, develop a tax-efficient retirement withdrawal strategy, and analyze your tax payment options (e.g., withholding vs. estimated taxes).
VR Connect
Our cloud-based wealth-management platform provides safe storage for important documents (e.g., tax returns and insurance policies) while offering account aggregation features for a consolidated view of your finances.
VR 360 Membership
VR 360 is the complete picture: everything in Planning, plus the pieces that round out the rest of your financial life — income tax preparation, estate planning support, insurance review, and identity theft protection. We also meet quarterly instead of twice a year.
Also included:
Estate Planning
Receive education and guidance from your financial advisor to optimize your estate plan for taxes while aligning it with your intentions and desired legacy.
Don’t have all your estate-planning documents on hand? Don’t stress! Our network of estate planning attorneys can help and coordinate everything along the way.
Note: Membership does not include fees charged by estate planning attorneys.
Identity Theft Protection
Thanks to our partner, Zander Insurance, you’ll receive complimentary identity theft protection coverage including:
- Coverage for you, your spouse, and any children under 18
- Up to $1 million per adult for stolen funds & expenses
- 24/7/365 recovery service
- Social Security, change of address, and dark web monitoring
- Lost wallet service
Income Tax Preparation
A certified public accountant (CPA) from our sister company, Advisor Tax Prep, will prepare your personal income taxes, after which you’ll review them with your financial advisor.
This approach takes a more holistic view of your finances, aiming to pinpoint potential strategy suggestions or moves you can make within your investment and retirement accounts to reduce your overall tax burden and build long-term wealth.
Insurance Review
A detailed analysis of your current coverage — health, life, disability, long-term care, and employer-sponsored plans — against the risks that could unravel your plan.
Is a VR Circle membership right for you?
Membership is optional — but it tends to be the right fit when one or more of these describe you:
Membership is optional — but it tends to be the right fit when one or more of these describe you:
Meet the CFP® professionals behind every engagement.
You're paired with a primary CFP® professional who knows you well, with the rest of the team as backup — so a meeting never has to wait and a question never goes unanswered.
Paul Muller, AEP®, CFP®
Relationship Manager and Founder
Benjamin Stark, CFP®
Financial Advisor and
Director of Client Experience
Nicholas Taber, CFP®
Associate Financial Advisor
Frequently Asked Questions
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Membership is billed annually, with payment due when you sign up. No monthly billing, no quarterly billing, no auto-renewal surprises — one invoice a year, then we get to work.
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That's what our 100 for 100 Guarantee is for. If you're not 100% satisfied with your membership at any time during the year, we'll refund 100% of your membership fees. No hoops, no fine print.
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Not at all. Your membership can act as a stand-alone solution; adding extras is entirely up to you.
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No — moving your accounts isn't a requirement. Many VR Circle members keep their investments right where they are, and we provide advice based on what you hold today.
That said, we often encourage members to consider moving their accounts to one of our custodians (LPL Financial or Fidelity). When your accounts are held with us, we have direct visibility into your holdings, performance, and activity — which means faster answers, more precise recommendations, and the ability to spot issues before they become problems.
Either way, the choice is yours — and your membership works the same regardless of where your accounts are held.
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VR Circle membership is an advice-only service, meaning we only provide ongoing guidance and recommendations; feel free to tack on one of our advisor-driven solutions if you’d like us to do this for you.
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Yes, you can upgrade your membership at any time by paying the difference between membership options.
If you currently have a planning membership and want to upgrade to VR 360, for example, the cost would be $1,500 per year.
Please give us a call at 201.447.2212 to initiate the upgrade.
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Not at all. Membership is optional. Some clients start with a one-time "Am I on Track?" review or Second Opinion before deciding whether an ongoing membership makes sense.
30+
YEARS
Helping families navigate complex retirement decisions
FIDUCIARY
Legally required to put your interests first — throughout the relationship, not just at the point of sale.
TRANSPARENCY
Clear pricing, no hidden fees, no surprises.
PROPRIETARY PRODUCTS
No proprietary funds. No incentives to push them.
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