Enjoy more benefits when you become a member.
Make exemplary financial decisions with unlimited access to a CFP® professional, get complimentary ID Theft protection, access members-only events, and more.
See if our expertise matches with your needs.
Introducing VR Circle—a membership option for those seeking the ultimate Vision Retirement experience.
These days, membership services are available for just about anything: ranging from retailers and gyms to golf clubs and online content. Why not add financial services into the mix? You can now receive 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, providing access to a variety of perks spanning investment advice, planning, taxes, exclusive experiences, and more. Scroll down for details!
See if our expertise matches with your needs.
Compare membership features
We offer three membership options to choose from.
Basic
Best suited for younger individuals and couples and do-it-yourselfers seeking investment advice and who want ongoing access to a CFP® professional.
Basic membership includes:
✓ Advice - Make exemplary financial and investment decisions by having unlimited access to a CFP® professional.
$499/year
Basic membership is available at no cost for clients that have at least $100k in a fiduciary investment management account.
Premium
Ideal for individuals and couples nearing retirement (typically aged 50+) seeking guidance on their retirement readiness and assistance in maintaining their financial goals.
Premium membership includes everything in our Basic membership, plus the following perks:
✓ Planning - Find out if you’re on track for retirement and have unlimited access to a dedicated CFP® professional.
✓ Virtual Experiences - Virtual events designed to help you make new connections and better prepare you for retirement.
$1,999/year
Premium membership is available at no cost for clients that have at least $500k in a fiduciary investment management account.
Platinium
For individuals & couples who want the best of all that Vision retirement has to offer.
Platinum membership includes everything in our Premium membership, plus the following perks:
✓ Taxes - Boost the likelihood of meeting your broader life goals through tax planning and having your personal income taxes prepared by a CPA and reviewed by your financial advisor.
✓ Planning & Legacy - Protect everything from your personal information to your legacy with complimentary ID theft coverage, insurance planning, and an estate planning review.
✓ Virtual AND Exclusive Experiences - In-person and virtual events designed to help you make new connections and better prepare you for retirement.
$3,999/year
Platinum membership is available at no cost for clients that have at least $1 million in a fiduciary investment management account.
Other Membership Details:
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If both you and your spouse purchase one combined VR Circle membership, you’ll pay a TOTAL of $499 (basic), $1,999 (premium), or $3,999 (platinum) for the year.
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You have the option of paying for your membership on a monthly, quarterly, or annual basis. No matter which option you choose, however, a payment is due upon initial engagement.
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All clients enjoy our “100 for 100 Guarantee.” If you aren’t 100% satisfied with your membership at any time during the process, we'll refund 100% of your membership fees for the year.
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Advice
Think of this “advice” component as a financial GPS to help you navigate the complexities of investing. Precisely, we’ll deliver tailored advice (we don’t invest your money for you) on how and where to invest your money to help you better reach your goals. Advice also goes beyond investments and covers financial decisions—big and small. For example, if you’re buying a home and have questions about which mortgage to choose, need help finding the best way to tackle debt, or are unsure about what to do with your 401(k) when changing jobs, you’ll have ongoing access to a financial advisor to 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 each of 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 for your investments so they align with your goals, risk tolerance, and time horizon.
VR Risk Score
We’ll remove any subjectivity when determining your risk tolerance by 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, if needed.
Portfolio Review
Economic conditions and your own personal circumstances will inevitably evolve over time. We’ll review your investments on a periodic basis with this always top of mind, determining if changes are needed moving forward.
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Planning
The planning component of our membership service is designed to help you gain insight into whether you are on track for retirement. If not, actionable steps will be provided to get you back on track and stay there.
Also included:
Semi-Annual Checkup
We’ll meet twice a year to assess if you’re on track to achieve each of your objectives.
Cash Flow Planning
With cash flow planning, you can track where your money goes and where it will help fund your life goals, regardless of your life stage.
VR Connect
Our cloud-based wealth management platform provides safe storage for your important documents (e.g., tax returns and insurance policies) as well as account aggregation features for a consolidated view of your finances.
Retirement Income Analysis
We’ll compare your current income and assets against your expected retirement costs and recommend appropriate actions.
Social Security review
We’ll assess the degree to which Social Security (vs. other sources of income) will meet your spending needs, 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 as they relate to your current situation. Some examples include tax-efficient investment recommendations, wealth-building strategies, and strategies to maximize your charitable giving.
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Protection and Legacy
Protect everything from your personal information to your assets and legacy.
Insurance Review
As important as building your wealth is, protecting it is just as important.
That's why, as a membership benefit, we'll evaluate your insurance needs so that you're prepared and feel more confident for the unexpected.
Your review includes a comprehensive analysis of employer-sponsored insurance plans, such as health and life insurance, ensuring you are well informed and reassured.
Estate Planning
Receive education and guidance from your financial advisor so that your estate plan is optimized for taxes and aligns with your intentions and the legacy you want to leave.
Don’t have all your estate planning documents? Don’t worry—we have a network of estate planning attorneys who can help, and we’ll coordinate everything along the way.
Note that membership does not include fees charged by estate planning attorneys.
Identity Theft Protection
Through our partner, Zander Insurance, you’ll get complimentary identity theft protection coverage, including:
Coverage for you, your spouse, and children under 18
Up to $2,000,000 for stolen funds & expenses
White-glove recovery service (24/7/365) with no monetary or time limits
New account, bank, and retirement account monitoring
Home title fraud protection
Military-grade encryption VPN
Password manager
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Taxes
Boost the likelihood of meeting your broader life goals.
Tax Planning
If you don’t properly plan for taxes, they can quickly erode your investment gains, no matter how solid your financial plan is.
With tax planning, we’ll review your income projections and develop a tax-efficient retirement withdrawal strategy. Projections also include analyzing your tax payment options (e.g., withholding vs estimated taxes).
Income Tax Preparation
Your personal income taxes will be prepared by a certified public accountant (CPA), through our sister company, Advisor Tax Prep, and you will review them with your financial advisor.
Our 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 your long-term wealth.
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Experiences
Take advantage of exclusive and virtual events designed to help you make new connections and better prepare you for retirement.
Exclusive Experiences
Want to attend unique, member-only experiences throughout the year? A VR Circle membership can help you do just that.
We’re currently planning for events in 2025, and will post them once confirmed.
Virtual Experiences
A successful retirement isn't just about finances; it's also about your mental well-being and lifestyle.
In fact, it's not uncommon for retirees to report a number of emotional changes in the first years after retirement, including feelings of inadequacy, loneliness, or a loss of identity.
VR Circle membership empowers you to take a proactive approach to your retirement. Therefore, in addition to financial topics, a handful of our webinars are designed to help you instill lasting healthy habits, offering topics such as purposefully living, social wellness, and much more.
Check out our upcoming schedule (coming soon).
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FAQs
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Nope! Membership is optional.
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Not at all. Your membership can act as a stand-alone solution, so adding additional services 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 complement your membership with one of our investing solutions if you’d like us to invest your money.
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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 advice extending beyond this.
Start simplifying
your journey and speak to a financial advisor today.
See if our expertise matches with your needs.