A dedicated CFP® professional, on call all year — from $895.
VR Circle membership gives you a CFP® professional to call whenever a financial decision comes up — a mortgage, a 401(k) move, a job change, retirement timing. Three tiers, starting at $895 a 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.
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PLANNING
$2,495/year
Everything in Advice, plus a retirement roadmap and the work to keep it on track.
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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 Audit | ✓ | ✓ | ✓ |
| Monthly Pulse | ✓ | ✓ | ✓ |
| Cash-flow planning | — | ✓ | ✓ |
| Retirement income analysis | — | ✓ | ✓ |
| Social Security review | — | ✓ | ✓ |
| Income tax snapshot | — | ✓ | ✓ |
| Virtual member events | — | ✓ | ✓ |
| Income tax preparation | — | — | ✓ |
| Estate planning support | — | — | ✓ |
| Insurance review | — | — | ✓ |
| Identity theft protection | — | — | ✓ |
| Exclusive in-person events | — | — | ✓ |
| Covers you and your spouse | ✓ | ✓ | ✓ |
| 100% money-back guarantee | ✓ | ✓ | ✓ |
| Membership is free at this level of AUM in Fiduciary Investment Management | $250K+ | $1M+ | $2M+ |
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
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. This is advice, not management: the decisions stay yours. (If you'd rather hand the investing off entirely, that's what our investment management solutions are for.)
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:
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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.
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We’ll ensure you’re successfully managing various aspects of your financial life such as insurance, employee benefits, and estate-planning activities.
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We’ll build a plan to align your investments with your goals, risk tolerance, and time horizon.
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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.
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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.
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We’ll remove any subjectivity when determining your risk tolerance, using the latest technology to pinpoint your own personal risk number.
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:
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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.
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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.
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We’ll compare your current income and assets against expected retirement costs and recommend the best actions accordingly.
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We’ll touch base twice a year to assess if you’re on track to achieve your goals.
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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.
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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.
Protection and Legacy
Protect everything from your personal information to your assets and legacy.
Here’s what’s included:
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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
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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.
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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.
Taxes
Boost your ability to achieve your broader life goals.
Here’s what’s included:
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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.
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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).
Experiences
Take advantage of exclusive/virtual events designed to help you make new connections and better prepare for retirement.
Virtual member events
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:
Exclusive in-person events
Want to attend unique, member-only experiences throughout the year? A VR Circle membership can help you do just that.
Upcoming Schedule:
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Additional details coming soon.
Join us for a festival-style event at the HealthBarn in Ridgewood on Saturday, September 26th, from 11am-3pm.
Call us at 201-447-2212 to register.
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
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Your finances are becoming more dynamic
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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
✓
Frequently Asked Questions
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Nope! Membership is optional.
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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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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.
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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.
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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 (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.