1. Financial Planning and Investment Advisory services offered through Wealthcare Solutions, LLC, a
Registered Investment Advisor; Securities offered through Purshe Kaplan Sterling Investments, member
FINRA and SIPC, 18 Corporate Woods Blvd., Albany NY 12211 (518) 436-3536.

2. Introduction
Wealthcare Solutions, LLC is a registered investment advisor as well as a
registered FINRA branch office of Purshe Kaplan Sterling Investments,
member FINRA and SIPC. Drawing on our experience and that of our team
of allied professionals, we help our clients make sound financial decisions.
Our clients are successful business owners, executives, professionals and
retirees who have a minimum of $500,000 of investable assets and at least a
$1,000,000 net worth. They are looking for and value our advice because
they realize that there are pursuits more important to them than worrying
about their finances, so they hire us to provide sound financial guidance.
As a registered investment advisor we are able to offer fee-based financial
planning and investment advisory services to our clients. We utilize Fidelity
Investment’s Institutional Brokerage Group to serve as the custodian of our
client’s assets and to facilitate all of our trading and clearing requirements.
Our affiliation with Purshe Kaplan Sterling allows us to provide our clients
alternative solutions to our fee-based business. Purshe Kaplan Sterling also
uses National Financial Services, LLC a subsidiary of Fidelity Investments, as
their clearing firm.
Wealthcare Solutions, LLC

3. The Financial Planning Process
The Prime SolutionSM
Kraig R. Null developed The Prime SolutionSM as a means to standardize
and systematize the financial planning process. This process was developed
to address the planning needs of our clients and to deliver to them a
comprehensive financial strategy that consistently results in a high degree of
client satisfaction.
1) Initial Client Meeting
a) Prior to our initial meeting we ask that our prospective clients gather
together all of their important documents and statements and to be
prepared to discuss them at our initial meeting.
b) We incorporate a values-based conversation into the initial meeting to
helps us identify what is truly important to our clients.
c) During this phase we establish and prioritize the financial goals;
determining timeframes, amounts needed and amounts currently
available.
d) At the conclusion of this meeting the client is asked for a commitment
to hire us to prepare a comprehensive financial plan.
2) Plan Presentation/ Implementation Meeting
a) At our second meeting we are prepared to present our financial
planning strategies and begin the implementation process. During this
meeting we will:
i) Review their Personal Investment Policy Statement;
ii) Review their Wealth Development Index score;
iii) Review our recommendations;
iv) Identify and disclose all costs associated with our recommendations.
Wealthcare Solutions, LLC

4. The Financial Planning Process
3) Progress Meetings
a) Depending on the type of relationship the client elects to have with us,
we will conduct regularly scheduled progress meetings to review what
we have accomplished and what still needs to be completed.
b) During the first year of a client relationship we typically have a
minimum of 6 meetings and then transition into a tri-annual meeting
cycle in subsequent years.
(1) At each meeting we review the progress towards the stated
goals and discuss any changes which may be warranted.
(2) Typically in September and October we will examine the client’s
current tax situation in order to anticipate any actions which may
need to be taken before yearend.
(3) Once a year we will conduct a Comprehensive Safety Review;
Review, update or revise your stated Goals; and Update your
Financial Road Map® to reflect your current reality.
Wealthcare Solutions, LLC

5. Wealthcare Solutions, LLC
Financial Planning Process
Goal Planning
Estate Investment
Planning Planning
Risk Management
Tax & Income
& Insurance
Planning
Planning
Goal Planning
 Identify, quantify and prioritize goals for the highest probability of successful achievement.
Investment Planning
 Create a Personal Investment Policy Statement; develop a Personal Risk Profile and Personal Asset Allocation
Recommendation
Risk Management & Insurance Planning
 Develop a Comprehensive Risk Management Plan addressing all aspects of risks which may impact an individual.
Tax Planning & Income Planning
 Identify potential tax strategies and coordinate with tax advisor to ensure maximum tax benefit.
 Develop an Anticipated Income Plan for both current and future income requirements.
Estate Planning
 Coordinate with an Estate Attorney the development of a Comprehensive Estate Plan and monitor its
implementation.

6.
Wealthcare Solutions, LLC
Meeting Cycle
Discovery Meeting
Initial Client Meeting
The Implementation Meeting
Begin Implementing the Financial Plan Target: 14 Days
Initial Progress Meeting
Follow‐up on Actions Taken Target: 45 Days
Target: 45 Days
The Comprehensive
Safety Review
Target: 4 Months
The Financial Road The Goals
Map Update Progress Meeting
Target: 4 Months Target: 4 Months

7. Our Ideal Client Profile
The types of clients that we enjoy working with and whom
benefit the most from working with us have the following
attributes…
 They are serious about making smart financial choices
about their money;
 They realize that a well developed financial strategy
properly implemented and monitored is essential to
enjoying life;
 They want a relationship with a financial advisor to
whom they can delegate the management of their
financial assets so they can pursue other interests;
 They are willing to cooperate with us and take
responsibility for providing us with information relative
to their financial wellbeing;
 They have at least $500,000 in investible assets and
recognize that sound advice and guidance has a related
cost which they are willing to pay.