Built around your life,
not your portfolio.
Five membership tiers. One standard of care. Choose the depth of relationship that fits your life today — and scale as your practice grows.
Pioneers
The Unified Household Membership Model.
One membership. Your entire household. Every domain. Delivered digitally, coordinated personally, executed professionally — at a price legacy AUM firms cannot touch and a depth robo-advisors cannot match.
Industry
Legacy Broker / Mega RIA
- Pricing
- ~1.0% – 1.5% AUM
- Uncapped. Rises with your balance.
- Scope
- Account-by-account advice
- Often fragmented across different brokerages and entities.
- Delivery
- Human-only, meeting-bound
- Available only during scheduled meetings and quarterly reviews.
- Standard
- Fiduciary (varies)
- Often hybrid — product commissions still possible.
- Household Coverage
- Typically no
- Accounts billed separately; coverage is partial.
Industry
Robo-Advisor
- Pricing
- 0.25% – 0.50% AUM
- Cheaper — but only for a narrow slice of advice.
- Scope
- Portfolio only
- No tax, estate, insurance, or entity coordination.
- Delivery
- Digital-only, no humans
- An algorithm. Not a practice.
- Standard
- Fiduciary for investment only
- Outside the portfolio, you are on your own.
- Household Coverage
- No
- Per-account model. Household coordination is absent.
Grounded Wealth™
Grounded Unified Household
- Pricing
- Membership + ≤ 0.79% AUM
- Capped. Predictable. The same standard at every tier.
- Scope
- All 10 Practice Domains™
- Investing, tax, estate, insurance, entities — one practice.
- Delivery
- Digital-first. Human-assisted. Professionally executed.
- Daily in software. In-person when it matters.
- Standard
- Fee-only fiduciary — firm-level
- No commissions. No product sales. Ever.
- Household Coverage
- Yes — entire household
- One membership covers every account, every entity, every generation.
Legacy fee ranges reflect published industry averages. We cap our AUM fee at 0.79% at every tier — and the membership covers the entire household rather than billing account-by-account.
What's Unified
Four things rarely unified at once.
Household
One membership. Entire household.
Spouses, entities, trusts, children, and inherited accounts — all covered under a single membership, not billed account-by-account.
Domains
Every domain, one practice.
Investments, tax, estate, insurance, entities, cash flow, philanthropy, risk, real estate, and legacy — coordinated, not fragmented.
Delivery
Digital-first. Human-assisted.
The platform runs daily in the background. Human advisors step in when a decision, a transition, or a meeting demands it.
Standard
Fiduciary at the firm level.
Fee-only. No commissions. No product shelves. The legal standard of care applies to every interaction — not only the billable ones.
The Alignment
Never more than
0.79% AUM.
Advice and execution should not be the same thing. We cap our management fee because your wealth should compound for you — not erode to pay for it.
A capped, predictable fee structure — never a moving target as your wealth grows.
Legally required to put your interests first. Not by disclosure — by design.
Your membership is flat. What changes is depth of relationship — not the meter running.
Two questions. One recommendation.
The Tiers
Five depths of relationship.
Every membership includes your entire household. Choose the depth that matches where you are — and where you want to go.
Depth 1 of 5
Basic
Start your practice.
Investment management built on our GPS models with Life OS access and Digital Practice Portal. Self-directed with professional tools.
Fee Structure
Membership + AUM (never greater than 0.79%)
What's Included
- Grounded Money
- Grounded Portfolio Matcher
- Grounded Flow™ Setup
- Grounded Vault™
- Grounded Insurance™ Review
Ideal For
- — Individuals beginning their wealth journey
- — Up to $250K in investable assets
Depth 2 of 5
Essentials
Build toward independence.
Investment management, retirement planning, and cash flow coordination. Everything you need to build toward financial independence.
Fee Structure
Membership + AUM (never greater than 0.79%)
What's Included
- All Basic features +
- openGPS™ Investment Management
- Grounded Advantage Report (Onboarding)
- Retirement & Cash Flow Planning
- Estate Planning
- Grounded Tax Planning™
Ideal For
- — Professionals in wealth-building phase
- — $100K - $500K in investable assets
Depth 3 of 5
Comprehensive
The complete Financial Practice™.
A dedicated advisor team across all 10 Practice Domains. Quarterly reviews, tax coordination, estate planning, and risk management — integrated, not fragmented. The tier most Grounded Wealth™ members choose.
Fee Structure
Membership + AUM (never greater than 0.79%)
What's Included
- All Essentials features
- GTAP™ Direct Indexing ($250K+ accounts)
- Tax Planning & Filing
- 360 Tax Optimizer™
- Equity Compensation Planning
Ideal For
- — Individuals and Families with $100K-$500K in investable assets
- — Those who want their entire practice coordinated
- — Clients who value a dedicated CFP® relationship
Depth 4 of 5
Advisory Wealth
Complex wealth, integrated.
Built for business owners, concentrated equity holders, and complex finances. Deep integration across tax, estate, and entity coordination.
Fee Structure
Membership + AUM (never greater than 0.79%)
What's Included
- All Comprehensive features
- Selective Alternatives Access
- Tax Prep & Filing (included)
- Business Owner Planning
- Entity & Trust Coordination
- Custom Reporting & Family Dashboard
Ideal For
- — Business owners and executives
- — $5M – $25M in investable assets
Depth 5 of 5
Virtual Family Office
A family office, delivered digitally.
Multi-generational planning across entities, trusts, and family members. The coordination of a traditional family office, delivered with modern technology.
Fee Structure
Custom Flat Fee Structure
What's Included
- All Advisory Wealth features
- Multi-Generational Planning
- Family Governance Support
- Private Investment Access
- Philanthropic Strategy
Ideal For
- — Multi-generational families
- — $25M+ in investable assets
Compare
Every tier, side by side.
One standard of care. Five depths of relationship. Choose the tier that serves your practice today.
| Feature | Basic | Essentials | Comprehensive Featured | Advisory Wealth | Virtual Family Office |
|---|---|---|---|---|---|
| Life Management | |||||
| Grounded Life OS™ | |||||
| Digital Practice Portal | |||||
| Grounded Vault™ (Document Storage) | |||||
| Annual Practice Review | Add-on | ||||
| Quarterly Practice Reviews | |||||
| Dedicated CFP® Advisor (Guide) | |||||
| Income & Cash Flow | |||||
| Grounded Flow™ Setup | |||||
| Cash Flow Planning | |||||
| Income Architecture | |||||
| Investing | |||||
| Grounded Portfolio Matcher | |||||
| Investment Management — OpenGPS™ | Add-on | Add-on | Add-on | Add-on | Add-on |
| Tax-Loss Harvesting (Year-Round) | |||||
| Strategic Asset Location | |||||
| Direct Indexing | |||||
| Selective Alternatives Access | Limited | ||||
| Tax Planning | |||||
| Tax Planning Coordination | Limited | ||||
| Proactive Tax Strategy | Limited | ||||
| Tax Prep & Filing | Add-on | Add-on | |||
| 360 Tax Optimizer™ | |||||
| Risk & Protection | |||||
| Grounded Insurance™ Review | |||||
| Risk Management Strategy | |||||
| Estate & Legacy | |||||
| Estate Planning Coordination | |||||
| Estate Document Creation & Updates | |||||
| Multi-Generational Planning | |||||
| Entity & Trust Coordination | |||||
| Equity Compensation | |||||
| Equity Compensation Strategy | |||||
| Stock Option Planning (ISO/NSO) | |||||
| RSU & ESPP Coordination | |||||
| Concentrated Stock Management | Limited | ||||
| Retirement | |||||
| Retirement Planning | |||||
| The Enough Number™ | |||||
| Withdrawal & Roth Sequencing | |||||
| Healthcare & Longevity Planning | |||||
| Diagnostics & Reporting | |||||
| Grounded Advantage Report (Onboarding) | Add-on | ||||
| Annual Report Refresh | |||||
| Quarterly Report Refresh | |||||
| Custom Reporting & Family Dashboard | Limited | ||||
| Fee Structure | Membership + AUM (≤ 0.79%) | Membership + AUM (≤ 0.79%) | Membership + AUM (≤ 0.79%) | Membership + AUM (≤ 0.79%) | Custom Flat Fee |
Four Paths to Wealth
Every path. One practice.
Wealth builds along four paths. Your tier aligns to the path — or paths — most relevant to your life today.
The income path
Career earnings, cash flow coordination, and building your Reservoir.
Aligned tiers
Basic · Essentials
The investment path
Evidence-based portfolios, retirement planning, and compounding over time.
Aligned tiers
Essentials · Comprehensive
The ownership path
Business equity, concentrated positions, and complex balance sheets.
Aligned tiers
Advisory Wealth · DFO
The legacy path
Estate planning, multi-generational coordination, and philanthropic strategy.
Aligned tiers
Comprehensive · DFO
The Standard
Fiduciary by design.
Not by disclosure.
Most advisors use the word “fiduciary” when convenient. We built our entire practice around the standard — structurally, legally, and culturally.
RIA Registered
Registered Investment Advisor held to the fiduciary standard by law — not by choice.
Fee-Only
No commissions. No product sales. No hidden kickbacks. Our only revenue is your membership.
Radically Transparent
Every fee, every model, every recommendation — documented and visible. Always.
Why Clients Choose Grounded
Working with Nick has been a breath of fresh air. I moved to Nick from a larger institution whom I felt was checking the box on our wealth planning. Nick and team are excellent to work with, and I would highly recommend them to anyone looking for a better experience than what they have today.
Questions
Honest answers, up front.
Ready to see your full picture?
Schedule a conversation. No obligation. No sales pitch. Just clarity.