The WealthKare Investment Center · SEC-registered fiduciary

Your biggest retirement expense never sends you a bill.

Two of them, actually: what you pay for advice, and the income tax already owed inside your IRA. Left on autopilot, both grow every year, and nobody adds them up for you. We do, in dollars, in one no-cost meeting.

Book Your Honest Fee and Tax Review Read the books first

Or call 888-888-6001 and mention code WK-HOME

Our thank-you giftEvery Honest Fee and Tax Review includes a complimentary copy of Retain Your Wealth.

The Flat Fee Revolution and Retain Your Wealth by Bruce J. Smith III

Two books by our founder

Read how we think before you ever meet us.

Bruce J. Smith III spent more than 50,000 hours inside other people’s retirement plans. These two books are what he found. One is about the first bill. The other covers both.

The first bill · what you pay for advice

The Flat Fee Revolution™

Why the way you pay for financial advice matters more in retirement than it ever has

“Your account doubles. Your fee doubles. The work doesn’t.”

Most retirees have never seen their advisory fee added up in dollars across a whole retirement. This book does the arithmetic, shows where a percentage fee and a flat fee part ways, and tells you exactly what to ask.

Download free (PDF)Paperback on Amazon

Free to read. Short on time? Start with Chapter Six, Fifty Years of Driving Down Cost (PDF).

Both bills · the owner’s guide to your plan

Retain Your Wealth™

A Fiduciary’s 10-Step Owner’s Guide to Keeping More of What You Built

“Your biggest retirement expense never sends you a bill.”

Ten steps, with worksheets and an annual review, that answer 1,000 of the questions families ask about risk, fees, taxes, income, Social Security, beneficiaries and their own plan, each one with the page where it’s answered.

Read Step 1 free Get the book on Amazon

Search the 1,000 questions · 1,000 Questions guide (PDF) · Families who complete an Honest Fee and Tax Review receive a copy of the book.

The two bills nobody sends you

Every retirement dollar ends up with your household, the people who manage your money, or the government.

The first bill

What you pay for advice

It comes out quietly, already deducted, and is rarely added up in dollars across your whole retirement. Under a percentage fee, it grows when your account grows, whether the work does or not.

See the 174 questions about fees →

The second bill

The tax already owed inside your accounts

Money in a 401(k) or traditional IRA went in without tax. The tax was put off, not forgiven. It grows as the account grows and comes due when you, your spouse or your children take the money out.

See the 251 questions about taxes →

Autopilot is still a plan. It just isn’t yours.

The WealthKare platform

Institutional model portfolios from leading asset managers

Your fiduciary team. Their expertise. We provide access to research-grade model portfolios from many of the industry’s most respected managers, deployed and coordinated by your fiduciary team.

Availability does not imply endorsement, recommendation, or affiliation with these firms. Model portfolios are independently evaluated for suitability before use.

Your review, step by step

One meeting. Your own numbers. No obligation.

Bring two things

Your latest statements and last year’s tax return. That’s all we need.

See the first bill

What you paid for advice last year, in dollars, and where it’s headed if nothing changes.

See the second bill

How much of your IRA already belongs to the government, and who will be paying it.

Decide for yourself

What a cost-focused plan could keep in your family. You leave with the numbers either way.

Annuities

Considering an annuity, or already own one?

Two free books written to be read before anyone shows you a contract, and before you decide whether the one you own is still earning its keep.

Is Your Annuity Any Good?

For owners: how to read what you already have, what it really costs, and what your choices are.

Download free (PDF)

Is an Annuity Right for You?

For the undecided: when an annuity can do a job nothing else can, and when it can’t.

Download free (PDF)

Want a product researched objectively?

AnnuityDataPRO™ analyzes and compares annuities on guarantees, income, costs, riders and carrier strength: research, not a sales pitch.

WealthKare provides research only. Any recommendation or purchase is based on availability and suitability and is handled through a properly licensed entity, American Assets Financial Corporation, an affiliated entity.

Explore Annuity Research

The people behind your plan

More than 80 years of combined experience, under one roof.

Bruce J. Smith III founded The WealthKare Investment Center after decades inside the industry, including service as vice-chairman of a national securities firm. He has hosted his financial radio program for more than 25 years. Today he and the WealthKare team meet with families from our Summerfield office and by video.

Meet the team

The Honest Fee and Tax Review

Your biggest retirement expense never sends you a bill.

The Honest Fee and Tax Review puts both bills in dollars: what you paid for advice last year, and the income tax already owed inside your retirement accounts. One no-cost, no-obligation meeting with a fiduciary.

Our thank-you gift: your review includes a complimentary copy of Retain Your Wealth.

Book Your Review & Get the Book

Or call 888-888-6001 and mention code WK-HOMEHonestFeeReview.com

Included with your review