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.
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.
- 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
- 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.
What's included in every membership
No matter which option fits you, VR Circle membership includes the following core benefits:
A dedicated CFP® professional
You're paired with a fiduciary CFP® professional who knows your situation and is your first call whenever a financial decision comes up — a job change, a mortgage question, a market drop, an inheritance.
Unlimited advisor messaging
Reach your advisor between scheduled meetings by email or by phone. Ask a quick question, get a quick answer — no need to wait for the next review.
Ongoing investment guidance
Tailored advice on how and where to invest to reach your goals — without having to move your accounts. You keep control; we help you make better decisions with what you already have.
Prefer we manage the portfolio for you? That's what our Fiduciary Investment Management offering is for.
Personalized financial roadmap
Your goals, risk tolerance, and time horizon translated into a clear plan — so you always know what to do next and why.
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.
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.
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.
Member-only events
Virtual events on retirement, investing, and lifestyle topics — plus exclusive in-person experiences throughout the year (like our annual Family Fun Day). Connect with the community, not just the numbers.
Coverage for you and your spouse
One membership, both partners. Because retirement planning decisions almost always involve two people — and you shouldn't pay twice for that.
100 for 100 Guarantee
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.
Also in Planning
Because Planning membership is designed around comprehensive financial planning, it also includes five services built for the tax, income, and coverage decisions that come with retirement.
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.
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.
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).
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.
Advice vs. Planning membership, feature by feature
Every included feature, laid out row by row — so you can see exactly where the two options overlap and where Planning adds more.
Both memberships share a common core. The differences reflect what each is designed for — investment guidance or comprehensive financial planning.
| Feature |
ADVICE
$895/year
Ongoing access to a CFP® professional and an investment roadmap — keep your accounts where they are.
|
PLANNING
$2,495/year
Comprehensive financial planning across retirement, tax, Social Security, insurance, and cash flow.
|
|---|---|---|
| Ongoing CFP® professional access | ✓ | ✓ |
| Scheduled planning meetings | 1 (annually) | 4 (quarterly) |
| Portfolio monitoring | Annually | Quarterly |
| Personalized investment roadmap | ✓ | ✓ |
| VR Risk Score | ✓ | ✓ |
| Essentials Check-In | ✓ | ✓ |
| Monthly Pulse | ✓ | ✓ |
| Unlimited advisor messaging | ✓ | ✓ |
| Member-only events (virtual + in-person) | ✓ | ✓ |
| Cash-flow planning | ✓ | |
| Retirement income analysis | ✓ | |
| Social Security review | ✓ | |
| Tax planning | ✓ | |
| Insurance review | ✓ | |
| Coverage for you and your spouse | ✓ | ✓ |
| 100 for 100 Guarantee | ✓ | ✓ |
Have a Tactical Fiduciary Investment Management account with us? You can earn an annual credit toward your VR Circle Membership based on your account balance:
$250,000 or more — $895 annual credit (covers Advice in full)
$1 million or more — $2,495 annual credit (covers Planning in full)
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.
- 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.
- 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.
FIM = Tactical Fiduciary Investment Management, a full-service, actively managed investment management option.
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
-
Advice ($895/year) gives you ongoing access to a CFP® professional plus one annual planning meeting — ideal if you want a fiduciary on call for the decisions life throws at you (a job change, a home purchase, a market drop) without the full planning workload.
Planning ($2,495/year) adds four quarterly meetings with defined agendas plus retirement, tax, Social Security, insurance, and cash flow planning — the right fit if you're actively planning for or navigating retirement and want a proactive partner throughout the year.
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Nope. Both VR Circle memberships are advice-only — your accounts stay exactly where they are. We help you make better decisions with what you already have, whether that's a 401(k) at Fidelity, an IRA at Vanguard, or a taxable account somewhere else.
If you'd rather have us actively manage the portfolio for you, that's what our Fiduciary Investment Management offering is for — a separate service, not a requirement.
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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.
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Yes — you can switch to Planning at any time. You'll pay the $1,600/year difference between the two memberships, prorated for the balance of your membership year. Just call us at 201.447.2212 and we'll take care of it.
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Those are available as specialty add-ons. Tax prep is handled by our sister firm Advisor Tax Prep. Medicare guidance is complimentary for Planning members through our partner Greg Riabov. And Flat-Fee Strategic Investing is available to Advice members and clients in Fiduciary Investment Management who want actively managed portfolios at a flat annual fee.
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Not at all. Your VR Circle membership works as a standalone solution — adding tax prep, Medicare guidance, or investment management is entirely up to you and only if it makes sense for your situation.
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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.
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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