
Enjoy more benefits with membership.
Make exemplary financial decisions with unlimited access to a CFP® professional, receive complimentary ID theft protection, access members-only events, and more.
Want to learn more about VR Circle membership?
Introducing VR Circle
A membership option for those seeking the ultimate Vision Retirement experience
Membership services are available for just about anything these days, ranging from retailers and gyms to golf clubs and online content. Why not add financial services into the mix? Enjoy ongoing financial and investment advice from a dedicated CFP® professional—helping you make the right decisions on a regular basis—thanks to our VR Circle membership. Join and gain access to a variety of perks spanning investment advice, planning, taxes, exclusive experiences, and more. Scroll down for details!
Want to learn more about VR Circle membership?
Compare Features
Choose from three membership options.
Other Membership Details
-
All memberships cover individuals and their spouses. If both you and your spouse purchase one combined VR Circle membership, you’ll pay a TOTAL of $895 (advice), $2,495 (planning), or $3,995 (VR 360) annually.
-
Membership is charged on an annual basis, with payment due upon initial engagement.
-
l 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.
Want to learn more about VR Circle membership?
Advice
Think of this component as a financial GPS to help you navigate investment complexities as we deliver tailored advice on how and where to invest your money to help achieve your goals (note: we don’t make investments on your behalf). Advice extends beyond this to arena to cover financial decisions as well—big or small. For example, if you’re buying a home and have questions about which mortgage to choose, need help tackling debt, or are unsure about how to allocate your 401(k) or next steps when changing jobs, ongoing financial advisor access will help guide you through such situations.
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 Audit
We’ll ensure you’re successfully managing various aspects of your financial life such as insurance, employee benefits, and estate-planning activities.
Investment Roadmap
We’ll build a plan to align your investments with your goals, risk tolerance, and time horizon.
VR Risk Score
We’ll remove any subjectivity when determining your risk tolerance, using the latest technology to pinpoint your own personal risk number.
Monthly Pulse
This quick email survey will gauge how you’re feeling about both current markets and your financial future to help us take action as needed.
Portfolio Review
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.
Want to learn more about VR Circle membership?
Planning
The planning component of our membership service will give you insight into whether or not you’re on track for retirement, providing actionable steps as necessary to get you back on target and keep you there.
Also included:
Semi-Annual Touchbase
We’ll touch base twice a year to assess if you’re on track to achieve your goals.
Cash Flow Planning
With cash flow planning, you can keep tabs on where your money goes and learn how it can fund your life goals regardless of life stage.
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.
Retirement Income Analysis
We’ll compare your current income and assets against expected retirement costs and recommend the best actions accordingly.
Social Security review
We’ll assess the degree to which Social Security can meet your spending needs (in comparison to other income sources), determining the best time to claim so you can maximize SS benefits.
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.
Want to learn more about VR Circle membership?
Protection and Legacy
Protect everything from your personal information to your assets and legacy.
Insurance Review
As crucial as it is to build your wealth, protecting it is just as important.
That's precisely why your membership includes an insurance evaluation, helping you feel prepared and more confident should the unexpected occur.
This review includes a comprehensive analysis of employer-sponsored insurance plans (e.g., health and life insurance) to ensure you’re well informed and reassured..
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
Note: Identity Theft services will launch this fall
Want to learn more about VR Circle membership?
Taxes
Boost your ability to achieve your broader life goals.
Tax Planning
Not properly planning for taxes can quickly erode your investment gains no matter how solid your financial plan is.
With this in mind, 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).
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.
Want to learn more about VR Circle membership?
Experiences
Take advantage of exclusive/virtual events designed to help you make new connections and better prepare for retirement.
Exclusive Experiences
Want to attend unique, member-only experiences throughout the year? A VR Circle membership can help you do just that.
Upcoming Events:
Family and Fun Day
Saturday, September 6th
Come any time between 12 and 4 pm
Join us for a family fun day at Apple Ridge Orchards in Warwick, NY. Enjoy apple picking, hayrides, food, and much more.
Call us at 201.447.2212 to RSVP.
Nonna Live Cooking Class
Details coming soon
Join us for a live digital cooking experience streamed live from Palombara Sabina, Italy, as an Italian grandmother demonstrates how to make a classic cannelloni.
Call us at 201.447.2212 to RSVP.
Virtual Experiences
A successful retirement involves more than just finances, also extending to your mental well-being and lifestyle. Our virtual events, likewise, aim to help you establish lasting healthy habits and connect with others—and enjoy yourself in the process!
Upcoming Schedule:
Want to learn more about VR Circle membership?
Is a VR Circle membership right for you?
While membership is optional, you’ll likely get the most out of it if any of the following apply to you:
You’re seeking investment advice
✓
Your finances are becoming more dynamic
✓
You want to make sure you’re on track for retirement
✓
You want the ability to call a CFP® professional when faced with important financial decisions
✓
You want opportunities to learn and meet other people
✓
You want the very best of what Vision Retirement has to offer
✓
Want to learn more about VR Circle membership?
FAQs
-
Nope! Membership is optional.
-
Not at all. Your membership can act as a stand-alone solution; adding extras is entirely up to you.
-
VR Circle membership is an advice-only service, meaning we only provide ongoing guidance and recommendations; feel free to tack on one of our investing solutions if you’d like us to do this for you.
-
With our investment solutions, you’ll receive advice focused strictly on your investments (just as the name implies). Since planning for your retirement encompasses so much more than just investments, however, a VR Circle membership arms you with guidance extending beyond this.
-
Yes, you can upgrade your membership at any time by paying the difference between membership options.
If you currently have a planning membership (whether you’re paying for it or otherwise) 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.
Start simplifying
your journey and speak to a financial advisor today.
To learn more about VR Circle membership.