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We Are The Top Financial Advisors in Miami, Florida

July 24, 2022 by Ryan Sammy

WealthCare Financial is a Florida-based financial advisory firm that works with various clients in the Miami area as well as Coral Gables. Our financial planning team will help you attain your financial goals. We have 25 years of experience in wealth management, retirement planning, and investment management.

Miami, Florida Skyline

Our team consists of financial advisors, CPAs, certified financial planners (CFPs), and other financial professionals. This allows us to provide quality financial advice, based on your unique financial situation, that helps you feel secure about your financial future.

Schedule A Personal Financial Review Today

Wealth Management and Financial Planning From Knowledgeable Wealth Advisors

At WealthCare Financial, our team of fiduciaries provides clients with a comprehensive financial plan. This plan will make sure that all of your financial needs are covered from an investment strategy to risk management. As fiduciaries, we are required by FINRA to give investment advice that is always in your best interest.

Our Financial Advisors’ Top Priority Are Your Financial Goals

As one of the top wealth management firms in South Florida, our advisory services are determined to provide clients with the right solutions. These solutions can range from portfolio management to, life insurance or you might just be looking for a financial consultant to give you guidance.

Financial Planning Services We offer in Miami, Florida

Whether you’re a young professional living in Fort Lauderdale or a retiree living in Miami Beach, we offer a wide array of financial planning services.

Investment Management

Investment management should not be based on a “cookie-cutter” approach. Our investment advisors and CFA’s work with you to determine your risk tolerance, time horizon, and financial goals. This will ensure you have the proper asset allocation within your investment strategy.

Retirement Planning

Do you plan on staying in Miami when you retire or moving away? These are important factors to consider when planning for retirement.

When starting the process of retirement planning, you need to make sure you have a trustworthy and knowledgeable financial professional by your side. Next, it‘s understanding your goals personally and professionally to determine your future financial needs. Having a good financial plan equates to excellent asset management.

Estate Planning

Having a Will or Trust is just the start of your estate plan. This will ensure that all of your assets and final wishes are distributed properly to your family. If you have a high net worth, it‘s vital to work with a CFP, CPA, and estate planning attorney who serves as our referral partner.

Tax Planning

Does your advisor regularly discuss taxes with you? Taxes play an important role in your financial plan and knowing how to maneuver through the tax code. At WealthCare, our financial advisors work with our in-house CPA to make sure that all of our clients have a better understanding of tax deductions and tax loss harvesting.

Financial services for business owners in Miami, Florida

WealthCare Financial understands working with business owners in Miami and all over South Florida. Whether you‘re a single business owner looking for a tax-efficient retirement plan or a business owner with over 50 employees wanting to add an employer-sponsored retirement plan, we can help. Depending on your specific situation, we can recommend different strategies that will benefit you as the business owner and your employees.

Other Financial Planning Services We Offer

Being a Florida financial advisor requires an understanding of investments outside of the stock market, such as real estate. Our team of advisors knows that to have a well-diversified financial plan we can‘t just focus on investment advisory. We help our clients understand alternative investments through Real Estate, Private Equity, and private placement.

Our Clients Trust Our Wealth Management Team

WealthCare Financial is in the business of building long-term relationships with our clients.

A big part of financial success is trust in your financial advisor. Our clients trust us. Here are some of our reviews from Google.

“Highly recommend Wealthcare Financial, very happy with their services. I have been working with Shaun and Mike for about 3 years now after being recommended to them by a friend. They have been helping me with my financial planning since graduating from residency. Great guys, trustworthy and knowledgeable. Easily accessible and quickly answer financial questions I have. They coordinate with my CPA to help make the best decisions for me. I always feel they have my best interest in mind. I am very grateful to have these guys on my team and I am in a much better position now than I was 3 years ago.” DR. DAVID TRAFICANTE

“I have been working with Shaun Tarzy & Michael Boggiano in WealthCare Financial for almost a year. Managing personal finance while working in a busy job can always be stressful. It is a great relief to find someone knowledgeable and trustworthy who can help you. Both Shaun & Michael are very professional with solid work ethics. I value their advice, and strongly recommend them to anyone who is looking to grow their financial base.” DR. MAYANK ROY

Common Questions We Get About Financial Planning

How much does it cost to talk to a financial advisor?

The initial consultation with a financial advisor should always be free! Depending on your financial needs, there can be an additional cost to build a financial plan or an investment plan. If you‘re looking for a transactional relationship there usually isn‘t a cost.

Financial Planning & Fee Schedule

Portfolio ValueFee
$0 – $1,000,0001.50%
$1,000,000 – $2,000,0001.25%
$2,000,000 – $3,000,0001.00%
$3,000,000 + ≤ 0.75% 

Other Financial Planning Fees

On average a financial plan will take approximately 5 – 15 hours at $300/hour

Investment Plan: approximately 1-4 hours at $300/hour.

Solo 401(k): Initial cost $1,500 with an ongoing annual fee of $199/year.

Financial Planning Retainer: $199/month – $495/month depending on the complexity of the plan. 

How much money should you have before getting a financial advisor?

You might think you need to have Brickell avenue money to hire a financial advisor and that’s not true. There’s not a set dollar amount, but having a steady income and at least three months in savings will put you in a better position to work with a financial advisor.

Can a financial advisor help with debt?

If you have student loans or any type of debt, you should make sure you work with a financial advisor that will help you look at different strategies to pay it down. The financial advisors at WealthCare will review different amortization schedules that will show you how long it will take to pay off and how much it will cost you in interest.

What are the benefits of talking to a financial advisor?

There are enormous benefits you can take advantage of just in an initial consultation with a financial advisor. A financial advisor will help you set realistic expectations for your financial goals and educate you on different products such as Mutual Funds, ETFs, Life Insurance, etc.

What should people do before getting a financial advisor?

Before working with a financial advisor, you should organize all your financial statements. These statements include any investment accounts, bank statements, debt statements, and any other information you think would be important for your financial professional. Lastly, find an advisor that you can trust and make sure to review all their disclosures.

Filed Under: Financial Advisors

We Are The Top Financial Advisors in Naples, Florida

July 19, 2022 by Ryan Sammy

Wealthcare Financial is a Florida-based financial advisory firm that works with various clients in the Naples, Florida area. Our wealth management team has over 25 years of experience in portfolio management.

Our staff consists of certified financial planners (CFP), financial advisors, CPAs, and other financial professionals. This assures we provide quality financial advice, based on your unique financial situation, that helps you feel safe about your financial future.

Financial Planning and Wealth Management From Experienced Wealth Advisors

Through WealthCare‘s Family Office division, our financial advisors have gained knowledge and experience in working with private wealth. We as investment advisors, expect to have a significant market downturn every six years and because of this, we create a wealth plan to set market expectations. Having a strategy to achieve your financial goals will ensure that you live the financial life you‘ve always dreamed of.

Our Financial Advisors’ Number One Priority Is Your Fiduciary Future

Working with an investment advisor at WealthCare means working with a fiduciary. Whether you‘re looking for money management or insurance products we verify that your best interest is always a priority.

Financial Planning Services We Offer in Naples, Florida

WealthCare Financial offers a wide array of services depending on your specific needs. Risk management through insurance planning or discussing several investment strategies to reach your investment goals are conversations we specialize in. For higher net worth clients we offer a streamlined wealth plan through our Family Office division.

Retirement Planning

Do you plan on staying in Naples when you retire or moving away? There are many important factors to consider when planning for retirement.

Retirement planning is key to achieving your retirement goals. There are many variables that can happen until you get to retirement such as a rise in inflation or a change in social security benefits. Not planning for these variables can have a negative impact on your retirement.

Estate Planning

Have you thought about how you want your proceeds to be handled? Having an estate plan will give you peace of mind in knowing that all of your wishes will be handled appropriately. Regardless of net worth, we recommend everyone to have an estate plan.

Investment Management

Wealthcare’s investment advisers work with clients to make sure that we can deliver competitive investment performance, along with the highest level of client service. As an investment firm, we have a fiduciary duty that your investments have the proper asset allocation based on your financial goals.

Tax Planning

For most individuals, a tax plan is figuring out ways to reduce taxes. At WealthCare, we implement strategies to reduce taxes today, as well as in the future. Taxes play a significant role in our lives and if your financial advisor doesn’t have a tax plan for you, you should consider a second opinion.

Financial services for business owners in Naples

We help business owners plan their financial future through personalized asset management strategies that will help your investment grow.

For a business owner, we understand that having a positive cash flow is imperative. Business owners in Naples and across Florida really on our investment advisory services, so that they can continue to grow their businesses. Our financial services range from employee benefits to helping our business owners take advantage of tax deductions through employer plans.

Other Financial Services We Offer

Besides offering traditional financial services, we also offer tax planning, the structure of a charitable donation strategy, and debt management. These services can be offered through our family office which most clients prefer since it all goes through one channel.

Schedule A Personal Financial Review Today

Our Clients Trust Our Financial Advisors

Founders, Shaun Tarzy (left) and Michael Boggiano (right)

Wealthcare’s financial advisors have a fiduciary duty to provide clients with transparency in all phases of the relationship. In all cases, our financial advisors will share disclosures, FINRA, and member SIPC information.

A big part of financial success is trust in your financial advisor. Our clients trust us, here are some of our reviews from Google.

“Highly recommend Wealthcare Financial, very happy with their services. I have been working with Shaun and Mike for about 3 years now after being recommended to them by a friend. They have been helping me with my financial planning since graduating from residency. Great guys, trustworthy and knowledgeable. Easily accessible and quickly answer financial questions I have. They coordinate with my CPA to help make the best decisions for me. I always feel they have my best interest in mind. I am very grateful to have these guys on my team and I am in a much better position now than I was 3 years ago.”

DR. DAVID TRAFICANTE

“I have been working with Shaun Tarzy & Michael Boggiano in WealthCare Financial for almost a year. Managing personal finance while working in a busy job can always be stressful. It is a great relief to find someone knowledgeable and trustworthy who can help you. Both Shaun & Michael are very professional with solid work ethics. I value their advice, and strongly recommend them to anyone who is looking to grow their financial base.”

DR. MAYANK ROY

Common Questions We Get About Financial Planning

How much money do you need to justify a financial advisor?

There’s not a specific dollar amount you need to justify a financial advisor. In any case, a financial advisor will educate you on things that will help you reach your financial goals. For individuals just starting out, the best way is to pay for a financial plan that will act as a guide.

What is the difference between an independent financial advisor and a financial advisor with a company?

You might think that since Wells Fargo ranks higher than other firms it might benefit you to work with them. We recommend working with a financial advisor you can trust and work with an independent financial advisor you’ll typically have more options and a better relationship.

WealthCare Financial is an independent financial planning firm that has an increased offering for investment products, insurance products, and strategies that sometimes can‘t be offered by a captive financial advisor. Our financial advisors always prioritize our clients over any company.

What is the difference between a financial advisor and a financial planner?

The true difference between a financial advisor and a financial planner is up to the individual. In some cases, the advisor will act as a planner depending on their level of knowledge. We recommend working with someone who not only can act as a financial advisor but someone that will help you put together a retirement plan, insurance plan, investments plan, etc.

What are the benefits of having a financial advisor?

The benefit of having the right financial advisor is peace of mind. At WealthCare Financial, we share our knowledge to educate our clients, so they can continue living their best lives.

What is the cost of a financial advisor?

The cost for a financial advisor can vary on the services you need. In some cases, there might not be a cost for the simplest of services, but in other instances fee’s for financial plans apply.

Financial Planning & Fee Schedule

Portfolio ValueFee
$0 – $1,000,0001.50%
$1,000,000 – $2,000,0001.25%
$2,000,000 – $3,000,0001.00%
$3,000,000 + ≤ 0.75% 

Other Financial Planning Fees

On average a financial plan will take approximately 5 – 15 hours at $300/hour

Investment Plan: approximately 1-4 hours at $300/hour.

Solo 401(k): Initial cost $1,500 with an ongoing annual fee of $199/year.

Financial Planning Retainer: $199/month – $495/month depending on the complexity of the plan. 

Filed Under: Financial Advisors

We Are The Top Financial Advisors in Orlando, Florida

July 2, 2022 by Ryan Sammy

WealthCare Financial is a Florida-based financial advisory firm with 25 years of experience as a financial planning firm that has worked with a variety of clients from the Orlando area, Winter Park, Maitland, as well as most of central Florida including Tampa and Melbourne.

File:Lake Eola Park in Orlando 01.jpg - Wikimedia Commons
Lake Eola Park, Orlando, Florida

Our staff includes a team of certified financial planners (CFP), CPAs, and other financial professionals. This assures we provide quality financial advice that helps you feel safe about your financial future. We do wealth management right.

Schedule A Personal Financial Review Today

Dedicated Fiduciary Advisors Who Create A Personalized Financial Plan

Our experienced team of fiduciaries will help you identify the areas of service that will benefit your current situation as well as dive in to see how we can grow and evolve it by giving you the best investment advisory. As a fiduciary and member SIPC/FINRA, our team of financial advisors have a legal requirement to work in the consumer’s best interest. Our non-biased approach will help you achieve your financial goals.

Founders, Shaun Tarzy (left) and Michael Boggiano (right)

Financial Planning Services We Offer In Orlando, Florida

Retirement Planning

To begin, find a financial advisor that you feel comfortable doing business with. Throughout the financial planning process, you should put together a list of financial goals as well as review your current cash flow. Do you plan on staying in Orlando when you retire or move away? Retirement planning is a lifelong process that will help you with saving, asset management, reviewing the latest social security benefits, and distribution over the course of your retirement. Combining all of these resources will lead to financial freedom.

Estate Planning in Orlando

Estate planning is the process by which an individual or family arranges the transfer of assets in anticipation of death. This is a crucial part of a good investment strategy. Our wealth advisors take this into account when conducting your portfolio management process. If you have not begun this process there is no better time to start than now. There is a plentiful amount of investment advisory services that can benefit your financial situation.

Investment Management in Orlando

Our investment advisors will help you with your investment planning allowing you to grow your investment portfolios to meet your financial goals. As you look for different ways to broaden your portfolio, our certified investment advisors will help you identify a proper asset allocation that fits your specific risk tolerance. Regardless if you’re a conservative investor or a risk-taker we will develop a custom investment strategy that is the best fit for you.

Tax Planning in Florida

Are taxes constantly on your mind? We help our clients create a tax efficient portfolio by creating the proper asset allocation within each individual’s custom investment strategy. Depending upon your current income it may be beneficial for you to invest money in a tax efficient area where you can withdraw money tax-free in the future. Utilizing the right investment advisory services will help reduce taxes by minimizing taxable gains and maximizing taxable losses in order to decrease your overall taxes. Tax planning is something that is always recommended to be implemented within your financial plan.

Educational Planning

Education planning is an important piece of the puzzle when putting together your financial road map. This allows you to possess the important skills that are necessary when making any type of financial decision.

Financial services for business owners in Orlando

We help business owners plan their financial future as well as help with other financial needs such as risk management. Our goal is to give our small business clients peace of mind. Our team of financial advisors specializes in putting together investment strategies for business owners.

This process is essential for those who own their own business as time may not be as plentiful. We will begin by reviewing risk mitigation through insurance products and then conducting a cash flow analysis that allows us to dig deeper into tax planning, disclosures, estate planning, and overall wealth management for what best suits your needs.

Schedule A Personal Financial Review Today

Other Financial Advisory Services

Besides specializing in investment management, tax planning and estate planning our financial advisors also have expertise in other key areas such as Life Insurance planning, 401(k) rollovers, healthcare, portfolio management, and student loan planning are all included in the conversation of financial planning. Our wealth advisors take a thorough approach to determine the best solutions for each individual.

Common Questions We Get About Our Financial Planning Services

How much does it cost to see a financial advisor in Orlando?

The average cost to see a financial advisor in the Orlando area to receive a full Financial plan ranges from $325 to $2,500. Clients pay an hourly rate to a wealth management firm

How much money should you have for a financial advisor?

There is no said amount of money or rule of thumb for when you need a financial advisor. However, it is a good time to look into it when you have a lump sump of money sitting somewhere and are unsure what to do with it. However, there is basic details listed here, On average a financial plan will take approximately 5 – 15 hours at $300/hour. While a retainer is $199/month – $495/month depending on the complexity of the plan. 

How does a financial advisor help you?

A financial advisor will help you understand the benefits of financial and retirement planning. After gathering information they create a comprehensive plan that can include, investment planning, risk management, cash flow analysis, and other determining factors based on your overall financial needs.

Financial Planning & Fee Schedule

Portfolio ValueFee
$0 – $1,000,0001.50%
$1,000,000 – $2,000,0001.25%
$2,000,000 – $3,000,0001.00%
$3,000,000 + ≤ 0.75% 

Other Financial Planning Fees

On average a financial plan will take approximately 5 – 15 hours at $300/hour

Investment Plan: approximately 1-4 hours at $300/hour.

Solo 401(k): Initial cost $1,500 with an ongoing annual fee of $199/year.

Financial Planning Retainer: $199/month – $495/month depending on the complexity of the plan. 

How much money can a financial advisor give you?

There is no definitive number that is guaranteed but a certified financial planner‘s main goal is to guide you through your financial future and help grow your net worth at the end of the day. Although a financial advisor with high rankings is more likely to efficiently aid your financial situation. Any resource consulting group puts their client‘s interest first.

Schedule A Personal Financial Review Today

Filed Under: Financial Advisors

We Are The Top Financial Advisors in Jacksonville, Florida

June 12, 2022 by Ryan Sammy

Wealthcare Financial is a Florida-based financial advisory firm that works with various clients in the Jacksonville area and St. Augustine. We have 25 years of experience as financial advisors.

Our staff consists of financial advisors, certified financial planners (CFP), CPAs, and other financial professionals. This assures we provide quality financial advice that helps you feel safe about your financial future. We do wealth management right.

Schedule A Personal Financial Review Today

Personalized Wealth Management and Retirement Planning To Meet Your Financial Goals

Our wealth management group has a wide array of strategies that include, financial planning, retirement planning, investment management, and other advisory services. Understanding your net worth will help determine proper asset allocation in order to create an investment plan customizable for your financial future. Whether you are a business owner, surgeon, dentist, or any other type of professional, our certified financial planners and financial advisors can assist you in accessing the appropriate retirement strategies for YOU.

We Take Our Commitment To Your Fiduciary Future Seriously

Our financial advisory team will become part of your financial life. Wealthcare’s experienced team of fiduciaries will help you to identify the areas of service that will benefit your current situation and how we can grow and evolve it. As a fiduciary, our team of financial advisors has a legal requirement to work in the consumer’s best interest. Having a non-biased approach will help you achieve your financial goals.

Financial Planning Services We Offer In Jacksonville, Florida

Retirement Planning

Do you plan on staying in Jacksonville when you retire or moving away? There are many important factors to consider when planning for retirement.

To start, find a financial advisor you feel comfortable working with. During the financial planning or retirement planning process you should put together a list of financial goals and review your current cash flow.

Retirement planning is a lifelong process that will help you with saving, asset management, and distribution in retirement. So, whether you want to stay in Jacksonville or have a beach house in St. Augustine a financial plan can help you accomplish those goals.

Estate Planning in Jacksonville

Have you thought about how you want your assets and possessions to be handled? Estate planning is the process by which an individual or family arranges the transfer of assets in anticipation of death. In most cases, we provided a referral to our in-house estate planning attorney. If you have not begun this process there is no better time to start life planning than now.

Investment Management

As you look for creative ways to expand your portfolio, our registered investment advisors identify a proper asset allocation that fits your risk tolerance.

Whether you’re a conservative investor or a risk-taker we will help you put together an investment strategy utilizing low-cost ETF’s that will help you see long-term results. ETF’s or exchange-traded funds are part of the investment strategy, but will only make up a portion of your asset allocation.

Tax Planning

Do you talk to your investment adviser regularly about taxes? We help our clients create a tax-efficient portfolio by having the proper asset allocation within the investment strategy. Depending upon your income today it may be beneficial for you to invest money in a tax-efficient area where you can pull money out tax-free in the future.

Having the right investment adviser will help reduce taxes by minimizing taxable gains and maximizing taxable losses in order to reduce your overall taxes. Tax planning is always recommended to be implemented within your financial plan.

Financial services for business owners in Jacksonville

We help business owners plan their financial future through personalized wealth management that will help your investment grow.

Working with business owners in Jacksonville we know how important cash flow is to the business. We understand that healthcare takes a toll on your monthly cash flow and with the right strategies you can reduce that burden. Whether you’re the only employee of the business or have over 50 employees we can help implement tax efficient plans for you and your business. We are trusted by small business owners all over Florida.

Other Financial Advisory Services

We offer a variety of financial planning services:

Besides specializing in investment management, tax planning and estate planning our financial advisors cover other key areas during the financial planning process.

Life Insurance Planning, 401(k) rollovers, mutual funds, healthcare, portfolio management, and student loan planning are sometimes included in the conversation.

Our financial advisors take a comprehensive approach to determine the right solutions for each individual.

Schedule A Personal Financial Review Today

Our Clients Trust Our Financial Advice

Wealthcare Financial treats its client like family. In most cases, we help coordinate each individual’s financial household by understanding their specific goals personally and professionally.

Founders, Shaun Tarzy (left) and Michael Boggiano (right)

A big part of financial success is trust in your financial advisor. Our clients trust us, here are some of our reviews from Google.

“Highly recommend Wealthcare Financial, very happy with their services. I have been working with Shaun and Mike for about 3 years now after being recommended to them by a friend. They have been helping me with my financial planning since graduating from residency. Great guys, trustworthy and knowledgeable. Easily accessible and quickly answer financial questions I have. They coordinate with my CPA to help make the best decisions for me. I always feel they have my best interest in mind. I am very grateful to have these guys on my team and I am in a much better position now than I was 3 years ago.”

Dr. David Traficante

“I have been working with Shaun Tarzy & Michael Boggiano in WealthCare Financial for almost a year. Managing personal finance while working in a busy job can always be stressful. It is a great relief to find someone knowledgeable and trustworthy who can help you. Both Shaun & Michael are very professional with solid work ethics. I value their advice, and strongly recommend them to anyone who is looking to grow their financial base.”

Dr. Mayank Roy
Schedule A Personal Financial Review Today

Common Question We Get About Our Financial Planning Services

What do financial advisors do?

As financial advisors, we find solutions for our clients by guiding them through complex financial situations. Whether you’re in the first few years of your career or retiring we provide financial advice that will help navigate you through your specific situation.

How much money should you have to hire a financial advisor?

Initial consolations are always free at WealthCare Financial! Depending on the complexity of your situation will determine the cost of the financial advisor. On average a financial plan will take approximately 5 – 15 hours at $300/hour. While a retainer is $199/month – $495/month depending on the complexity of the plan. 

How much does a financial advisor cost?

Financial Planning & Fee Schedule

Portfolio ValueFee
$0 – $1,000,0001.50%
$1,000,000 – $2,000,0001.25%
$2,000,000 – $3,000,0001.00%
$3,000,000 + ≤ 0.75% 

Other Financial Planning Fees

On average a financial plan will take approximately 5 – 15 hours at $300/hour

Investment Plan: approximately 1-4 hours at $300/hour.

Solo 401(k): Initial cost $1,500 with an ongoing annual fee of $199/year.

Financial Planning Retainer: $199/month – $495/month depending on the complexity of the plan. 

Is it worth paying for a financial advisor?

Everyone’s situation is different but paying a financial advisor to help with financial planning, retirement planning or wealth management can only help you. However, it is very important that you understand what you’re paying for. Just like you would pay an attorney for their time, paying an advisor will allow for a non-biased approach to your financial needs. Consider a wealth advisor that you can trust before moving forward.

What are some things to look for when picking a financial advisor?

The first thing to look for when choosing a financial advisor is to review all disclosures from their broker dealer, SIPC, and member FINRA. The next most important thing is to verify this advisor is in for a long-term relationship rather than a short-term relationship with their clients. Lastly, don’t limit your search to advisors just located on Belfort Road, expand your search in order to find the advisor who is right for you.

Filed Under: Financial Advisors

Guide To Spending Cryptocurrency

June 9, 2022 by admin

Cryptocurrency has become a hot topic in recent years, but not everyone fully understands this virtual currency, especially when it comes to how to spend it. In recent research, 86% of Americans say they have heard about cryptocurrencies, including 24% who say they have heard a lot about virtual currency. While only about 13% of Americans say they have heard nothing at all about cryptocurrency. 

So we did the digging and came up with this resource on how to spend cryptocurrency for anyone looking to cash out on some of their investment. From how to obtain a debit card for cryptocurrency, to retailers that accept cryptocurrency payments, we’ve got you covered. 

Key Takeaways

  • Cryptocurrency can be connected to a debit card to allow coin owners to spend their cryptocurrency like cash. 
  • Merchants using Shopify and WordPress can integrate payment methods into their online stores for customers to make transactions.
  • Almost every industry has a merchant who accepts cryptocurrency; cars, travel, web services, and more.

Spending cryptocurrency is very similar to spending traditional currency. Like traditional currency, crypto owners can connect their coins to a debit card for easy spending. In fact, traditional credit card companies like Visa and MasterCard are two major companies that offer cryptocurrency debit cards. 

Some cards like CoinsBank, automatically convert Bitcoin into several different currencies, including U.S. dollars. But if you own altcoins like Ethereum and ETC, you’ll need an altcoin debit card like Uquid to do your spending. 

Debit Cards and Prepaid Cards for Bitcoin

  • CoinsBank: a cryptocurrency exchange that offers four different card options with different features and fees. The cards automatically convert Bitcoin into several different currencies, including U.S. dollars.
  • Xapo: a card that works like a debit card, which lets you pay in stores or online or get cash. It also comes with an app to help you keep track of your spending and current Bitcoin value.
  • Cryptopay.me: This is a prepaid card with low commission fees. It comes with both a plastic and a virtual version, so you can choose whichever works best for your current needs. Again, this card works with GBP, USD, and EUR.
  • SpectroCoin: This prepaid card lets you cash in Bitcoins at any ATM worldwide. You can also use it as a debit card. Cards can be used in USD, EUR, or GBP.
  • Bitpay: This Visa-branded card lets you load your bitcoins from your virtual wallet. You can then withdraw cash or use the card at retailer stores.
  • Wirex: This card has a robust online banking app specifically for bitcoin. It lets you store your bitcoin in a digital wallet and then use the card to spend it as dollars.
  • Bitstamp: This is another virtual wallet option that also offers a plastic prepaid debit card that you can fund with bitcoin.
  • SatoshiTango: This card lets you buy bitcoins and then transfer them onto a debit card.

Altcoin Debit Cards and Prepaid Cards

  • Uquid: This card, which also supports bitcoin, also works with 89 other cryptocurrencies, including Ethereum, ETC, Augur, Emercoin, and more.
  • Polybius: This is an up-and-coming project that will take Bitcoin, as well as a variety of other cryptocurrencies.

Now that we have a debit card to spend our cryptocurrency, we’ll need to know what retailers accept these types of payments. Alternatively, some retailers use 3rd party software like Flexa to accept cryptocurrency. Below is a list of retailers that accept cryptocurrency in some fashion whether through 3rd party software, debit cards, or direct transfers. 

Online stores that accept Bitcoin

  • Overstock: accepts and fully supports Bitcoin payments
  • Home Depot: uses Flexa to accept Bitcoin payments
  • Newegg: accepts Bitcoin payments for most of its stock
  • Shopify: Shopify merchants can accept Bitcoin, Ethereum, and Litecoin, among 300+ digital currencies using Coinbase Commerce, BitPay, and CoinPayments.net
  • Microsoft: allows users to add money to their accounts with Bitcoin

Service Providers 

  • AT&T: allows users to pay their bill through BitPay
  • Twitch: allows ​​users to pay in bitcoin, but also bitcoin cash and ether, as well as lesser-used coins like BUSD, PAX, GUSD, USDC, and XRP
  • Dish Network: allows users to pay their bill through BitPay
  • ExpressVPN: accepts Bitcoin via BitPay and a variety of other electronic wallets
  • NordVPN: accepts Bitcoin
  • ProtonMail: Bitcoin is not available as a payment method during account sign-up, though it can be used to purchase account credits once an account is created
  • Vultr: supports Bitcoin Cash payments for cloud servers
  • WordPress: allows users to accept Bitcoin payments 
  • Reddit: allows users to buy premium features with Bitcoin
  • Namecheap: accepts the Bitcoin payment method
  • Bloomberg: allows users to use Bitcoin to subscribe to online news
  • Chicago Sun-Times: allows users to use Bitcoin to subscribe to online news

Video Games

  • Xbox: allows users to use Bitcoin to pay for games, add-ons, and Xbox Live subscriptions
  • Humble Bundle: accept the Bitcoin digital currency as a payment
  • Big Fish Games: games can be purchased directly from Big Fish with bitcoin

Travel

  • Expedia: accepts BTC for hotel bookings and is planning to introduce it as a payment option for flights, activities, and more
  • AirBaltic: accepts Bitcoin payment for a variety of flights
  • Virgin Galactic: accepts Bitcoin

Restaurants and supermarkets that accept Bitcoin

  • Subway: accepts bitcoin in various locations all over the world
  • Burger King: accepts bitcoin in various locations all over the world
  • Whole Foods: accepts bitcoin in various locations all over the world

Education

  • Treehouse: accepts Bitcoin for a variety of courses
  • Curtin University: accepts Bitcoin for a variety of courses
  • The King’s College: accepts Bitcoin for a variety of courses
  • European School of Management and Technology (ESMT): accepts Bitcoin for a variety of courses

Luxurious ways to spend Bitcoin

  • BitCars: allows users to buy cars using Bitcoin
  • AutoCoinCars: allows users to buy cars using Bitcoin
  • Bithome: allows users to buy and sell real estate with Bitcoin
  • Prestige Cars Kent: allows customers to purchase cars with Bitcoin
  • Prestige Time: allows you to purchase luxury watches with Bitcoin
  • Denison Yacht Sales: allows you to purchase Yachts with Bitcoin

With all of these different retailers jumping on board to accept cryptocurrency, it might not be long before we’re spending cryptocurrency in the same way that we swipe our credit cards at every local retailer. 

The information provided is for educational purposes only and is not intended as investment advice for anyone. All information discussed is believed to be from reliable sources; however, we make no representation as to its completeness or accuracy. The views presented today are those of Wealthcare Financial and do not necessarily represent the views of AlphaStar Capital Management, LLC. The opinions expressed are subject to change without notice and do not constitute financial, legal or tax advice. Please consult your financial professional before executing any financial strategy.  Investment Advisory and financial planning services are offered through AlphaStar Capital Management, LLC, an SEC registered investment adviser. AlphaStar and Wealthcare Financial are independent entities.


Sources:

  • https://cointelegraph.com/bitcoin-for-beginners/what-can-you-buy-with-bitcoin-a-beginners-guide-to-spending-your-btc
  • https://www.investopedia.com/what-can-you-buy-with-bitcoin-5179592 
  • https://www.pewresearch.org/fact-tank/2021/11/11/16-of-americans-say-they-have-ever-invested-in-traded-or-used-cryptocurrency/ 
  • https://uquid.com/altcoin-debit-card 

Filed Under: Cryptocurrency Tagged With: Bitcoin, Cryptocurrency, Financial, Investment, Wealthcare

Finding The Right Insurance Plan

September 18, 2021 by Ryan Sammy

Whether it’s life insurance, disability income or long-term-care insurance, we can provide you with feasible options that will provide security for your family.

Life Insurance

Life insurance is something to add to your financial plan if you’re interested in providing a measure of security for those dear to you. Life insurance is the exchange of a relatively small payment each month a premium — for a very large amount of money if you die — a death benefit. This is the main value offered by all sorts of life insurance, and it ensures everyone you care about has financial resources

Term life insurance

Term Life Insurance is a type of insurance that provides coverage for a set period, typically from 10 – 30 years. If you die within the term, the insurance company will pay out the death benefit to your beneficiaries. Term Life insurance is the simplest and most cost effective form of Life insurance.

Whole life insurance

Whole Life Insurance is a permanent life insurance that will not expire if premiums are being paid. Unlike Term Life Insurance, Whole Life offers a savings component that will build cash value over the life of the policy, as well as offering annual dividend payments which can act similarly to an investment account but is uncorrelated to the returns of the market. You can have fully paid-up Whole Life policy which will require no additional premiums. Examples are, 10 pay, 20 pay, and paid up at age 65.

Universal life insurance

Universal life (UL) insurance is a form of permanent life insurance with an investment savings element based on market interest rates. This type of insurance provides more flexibility than other types of insurance policies where the policy holder can adjust their premiums and death benefits.

Variable life insurance

Simplified issue life insurance

Simplified issue means an easier form of underwriting when applying for Life Insurance. Applicants must answer some questions about their health and lifestyle but do not have to take a medical exam. This policy may work well with people who aren’t in excellent health and wouldn’t qualify for the lowest rate with traditional underwriting

Joint life insurance

Life insurance policy for two people – typically spouses or domestic partners – but it only pays a benefit when one of them dies. Joint coverage often tends to be less expensive and can be a term or permanent policy.

Disability Insurance

When individuals think about disability insurance the first thing that comes to mind is a car accident. In fact, about 91% of disabilities are caused by illness and 9% is caused by an accident of some sort. The term disability insurance refers to a policy that provides income to individuals who can no longer work because of a disability. With the average long-term disability claim just under 3 years a disability policy will help protect you from draining your savings or retirement assets.

Long-Term disability insurance

Long term disability insurance replaces part of your income each month if a serious injury or illness prevents you from working. It’s the best way to stay on track with your finances while you focus on your recovery. Long term disability insurance is the most cost-effective way for healthy, employed individuals who want to secure their financial future. The two most common ways you can be covered is, either individually owning a disability policy or being a part of a group disability plan at your workplace.

Total disability insurance types

This phrase is used in the insurance industry and law to determine that a person is unable to work in their own or any occupation due to a sickness or injury. Most insurance companies will pay the full benefit to an individual when they are no longer able to work again.

Any occupation

An any-occupation policy is a type of disability insurance that provides coverage for when the insured is unable to work in a job suitable for them based on education, experience, and age. If you’re still able to work even in a lower paying job, an any-occupation policy will not pay benefits. This is different from own occupation coverage.

Own Occupation

An own-occupation insurance is a benefit that’s added to your disability insurance policy. This benefit will cover individuals who become disabled and are unable to perform most of the occupational duties that they have been trained to perform. The own-occupation benefit is highly recommended for all MD’s/DO’s, attorney’s and dentists. As an example, if you’re surgeon who can no longer perform surgery you can still collect your disability payment and work outside of being a surgeon collecting an income. This makes it ok, to collect both incomes by having the own-occupation benefit on your disability policy.

Short-Term disability insurance

This insurance is typically provided through work and is intended to cover you for a short period of time following an illness or injury that keeps you out of work. While policies vary, short term disability insurance typically covers you for a term between 3-6 months. This type of insurance is typically sought out by individuals going on maternity leave as some policies will pay a benefit while you are out of work.

Social Security disability insurance

Social Security Disability Insurance is a payroll tax-funded federal insurance program of the United States government. It provides monthly benefits to people who have a medically determinable disability that restricts their ability to be employed. The benefit is calculated based on yearly wages or self-employment income.

Private or supplemental disability insurance

Typically offered by an employer, Supplemental disability insurance is a standalone policy you can buy to fill gaps in your existing disability coverage. You can use it to supplement an individual disability insurance, Social Security Disability Insurance (SSDI), or group disability insurance through your employer.

Student Loan Disability Insurance

Student Loan Disability Insurance is a type of benefit that’s added to a policy meant to specifically cover some or all your student loan payments if you can’t work due to illness or injury.

Business Overhead Expense Disability

Business Overhead Expense Disability pays a benefit to your business should you — the owner — become disabled and can’t work. The business can use the money to meet its day-to-day expenses such as paying salaries, utility bills, debts, rent or mortgage.

Workers Compensation

It covers any occupational sickness or accident arising during employment that results in incurring medical expenses and loss of wages regardless of fault.

Long Term Care Insurance

Long term care insurance provides nursing-home care, home health care, and personal or adult day care in the event of a chronic medical condition or disabling condition that needs supervision. Long term care insurance is crucial since the cost of care is expensive and costs are only increasing. This type of insurance is worth it because it will allow you to live in your home longer.

What is disability insurance?

Disability insurance means being able to meet your financial obligations in case you’re unable to work due to a qualifying disability. The three types of disability insurance are Long Term Disability (LTD), Short Term Disability (STDI) and Social Security Disability (SSDI).

What does disability insurance cover?

Disability insurance is designed to replace a percentage of your income if you can no longer work because of an accident, injury, illness, and/or disability. This will help you cover any household expenses, paying bills and providing for your family.

How much is disability insurance?

Disability insurance is designed to replace a percentage of your income if you can no longer work because of an accident, injury, illness, and/or disability. This will help you cover any household expenses, paying bills and providing for your family.

How much disability insurance do I need?

The amount of disability insurance needed should be enough to cover your monthly expenses and any outstanding debts. The maximum disability amount issued by an insurance company is roughly 60% of your income. The average cost of disability insurance is typically between 1 percent and 3 percent of your annual income.

What does life insurance cover?

Life insurance pays a death benefit to the insured’s beneficiaries. Typically, an individual will cover his or her own life to protect their family interests in case they were to pass.

    Filed Under: Services

    Retirement Planning Services

    September 18, 2021 by Ryan Sammy

    Have questions or need assistance setting up a 401(k), 403(b) or an IRA? We have utilized these services for years and setup our clients with the ideal option that fits their retirement goals.

    Defined contribution plans (DC)

    A defined contribution plan is an employer sponsored retirement plan where the employee elects how much they want to contribute on a per pay basis. An employer can choose to contribute to this type of plan which is often referred to as a match. Two popular types of these plans are 401(k) and 403(b) plans. This plan works best for accumulation and we always recommend reviewing the investment strategy and tax diversification that the plan offers.

    401(k) plans

    A 401(k)-retirement plan is an employer-sponsored defined contribution plan that allows eligible employees the ability to save and invest for retirement. Most individuals use this plan to defer taxes on the money they contribute. Depending on your situation we recommend the Roth 401(k) as an after-tax investment that will be tax-free upon distribution.

    403(b) plans

    A 403(b) is a retirement plan similar to a 401(k), but for certain employees of public schools, nurses, and non-profit organizations. This is also payroll deducted and usually it offers a Roth option for tax free growth. We always recommend reviewing the fees and expense ratios of this plan.

    457(b) plans

    457(b) plans are non-qualified, tax-advantaged, deferred compensation retirement plans usually offered by the government and some nonprofit employers. This type of plan offers benefits such as, no tax penalties on qualified withdrawals and better catchup provisions.

    IRA plans

    An IRA is individually owned that allows an individual to save for retirement with tax-free growth or on a tax-deferred basis. IRAs are one of the most effective ways to save and invest for your future. We recommend reviewing both traditional and Roth IRA options to determine which one is right for you.

    Traditional IRA

    In a Traditional IRA, you make contributions with money you may be able to deduct on your tax return, and any earnings can potentially grow tax-deferred until you withdraw them in retirement. Depending on your adjusted growth income you might not qualify for the tax deduction.

    Roth IRA

    With a Roth IRA, you make contributions with money you’ve already paid taxes on (after-tax), and your money may potentially grow tax-free, with tax-free withdrawals in retirement. Like a Traditional IRA, depending on your adjusted growth income you might not be able to contribute to a Roth IRA.

    Spousal IRA

    A Spousal IRA is a strategy which a working spouse is able to contribute to an IRA in the name of a spouse that is not working or has little income. It is a good way to increase your retirement savings in the case your household only has one source of income. You must be married filing jointly to participate in this plan.

    Rollover IRA

    A Rollover IRA is an account that allows you to move funds from your old employer-sponsored retirement plan (403(b), 401(k)) into an IRA. With an IRA rollover, you can preserve the tax-deferred status of your retirement assets, without paying current taxes or early withdrawal penalties at the time of transfer. Moving your plan into your own IRA will increase investment options and can potentially reduce fees.

    SEP IRA

    A Simplified Employee Pension (SEP) plan provides business owners with a simplified method to contribute toward their employees’ retirement as well as their own retirement savings in an IRA. This might not be the best choice for business owners with employees as the owner is required proportional contributions for each eligible employee if you contribute for yourself.

    Simple IRA

    A SIMPLE IRA is a retirement savings plan that most small businesses with 100 or fewer employees can use. It is ideal for small business owners who don’t want the fiduciary responsibilities that come with a qualified plan. Employers must contribute a match to this plan at a minimum of 1% and a maximum of 3% of the employee’s salary.

    Solo 401(k) plan

    Solo 401(k) is a retirement account similar to a 401(k) but designed for the self-employed, or business owner with no full-time employees. The contribution limits are significantly high, but to take full advantage of this plan you must provide proof of self-employment income.

    Traditional pensions

    A Traditional Pension Plan is a defined benefit plan that provides fixed, monthly lifetime retirement benefits. Pension plans are typically calculated using income and years of service to determine your monthly payout amount. Unfortunately, today not many employers are offering pension plans, so if you’re looking into a new job or career path, it might be worth considering whether a pension is important to you.

    Guaranteed income annuities (GIAs)

    An income annuity is designed to provide a guaranteed income stream that can help protect against the risk of outliving your savings. The payments will continue for as long as you live and they’re not subject to stock market performance so, regardless of the ups and downs of the financial markets, the amount is set in place.

    The Federal Thrift Savings Plan (TSP)

    The Thrift Savings Plan also known as TSP is a type of retirement plan only offered to federal employees and members of the uniformed services. This plan is a defined contribution plan which is like a 401(k) that is available to workers in the private sector.

    Cash-balance plans

    A cash balance plan is a type of pension plan that allows for larger contributions with larger deductions. The plan offers guaranteed pension benefits with unique incentives to attract and retain employees. Also, it’s less difficult and expensive to maintain than other plans.

    Cash-value life insurance plan

    Cash value life insurance is a form of permanent life insurance, which has many benefits for the policy holder including a cash value savings component. The tax advantaged cash value is available to the policyholder for many purposes, such as a source of loans, cash or to pay policy premiums.

    Nonqualified deferred compensation plans (NQDC)

    A non-qualified deferred compensation (NQDC) plan typically allows an employee to put a portion of their earned wages, bonuses, or other compensation into a trust, where it grows tax deferred. This provides income in the future and may reduce the tax payable on the income.


    Common Retirement Questions

    How does retirement work?

    How much should be saved for retirement?

    Depending on your income aim to save at least 15% – 20% of your income each year for retirement. Most experts agree that your retirement income should be about 80% of your final pre-retirement annual income.

    What is a qualified retirement plan?

    A qualified retirement plan is designed to provide you income at retirement. The most common qualified plans are, 401(k), 403(b), profit sharing and Pension Plans.

    What is early retirement?

    The common definition of early retirement is any age before 59-1/2, mainly because that’s when you’re able to access your 401(k) or IRA’s without any IRS penalties.

    What is the Florida retirement system?

    Also known as the FRS, you must be employed by the state or local government that participates in the Florida Retirement System. To its employees they offer two retirement options: The FRS Pension Plan and the FRS Investment Plan.

    What is the retirement age in Florida?

    There’s no set retirement age. If you saved and planned properly you can retire at the age you desire. These are the ages that are most important to retirees. At 59 ½ you can now start to withdraw money from your qualified retirement account without an IRS penalty. Social Security starts at age 62 and Medicare starting at age 65.

    How long $1mm last in retirement?

    A recent study determined that a $1 million retirement nest egg will last about 19 years on average. To avoid running out of money in retirement you should pull no more than 4% of your assets per year. This means if you have $1mm you should only withdraw $40,000/yr.

    Retirement Guides and News

      Filed Under: Services

      Our Investing Services

      September 11, 2021 by Ryan Sammy

      As you look for creative ways to expand your portfolio, we identify low-risk, solid-reward options that will help you see long-term results. Areas we specialize in include common stocks, bonds, government securities, treasury bills, and more.

      Stock Investing

      Stock Investing is a way to set money aside and have it grow over time. There are many types of investing, you can be either conservative or moderate with your investments.

      Investing in Bonds

      Investing in bonds leads to a strong bond portfolio that can provide decent yields with a lower level of risk than equities. Meaning, that bonds are a good option for those who need to live off their investment income.

      Investing in Government Securities

      Investing in bonds leads to a strong bond portfolio that can provide decent yields with a lower level of risk than equities. Meaning, that bonds are a good option for those who need to live off their investment income.

      Investing in Treasury Bills (T-bills)

      A Treasury Bill (T-Bill) is a short-term, risk-free investment that is very safe considering it is backed by the U.S. Treasury Department. T-bills are purchased for a price less than their face value.

      Investing in Real Estate

      Real Estate investing is the purchase, and management, followed by the sale or rental profit that follows. There are many different factors to consider when thinking about investing in real estate. It takes a lot of research and is not the safest nor easiest way to invest your money.

      Investing in Mutual Funds, Index Funds, and ETFs

      1-2 sentences about the product and how Wealthcare Financial can guide you through determining if it this specific investment is right for you based on your goals.

      Certificates of Deposit (CDs)

      A certificate of deposit, also known as a CD, is a different type of savings account where you deposit your money into the account and agree not to make any withdrawals for a certain period. When that specific period is over, you get the money you put in originally plus the interest earned on it over time. You can usually find a more favorable rate with a Multi-Year Guaranteed Annuity.

      Investing Using Stock Options

      Stock Options allow you to buy a specific number of shares at a pre-set price which is known as the “strike price”. This is followed by a predetermined waiting period. Options are typically best for when you’re more experienced with investing and would consider yourself an advanced investor.

      Investing in Annuities

      Investing in annuities is typically considered a good way to invest for retirement. Annuities offer many benefits that an investor can choose such as guaranteed income that you will not outlive, principal protection, guaranteed death benefit, etc. Annuities are an easy and safe way to generate future retirement income.

      Investing in Cryptocurrencies

      Investing in crypto assets can be extremely profitable but it comes with a lot of risks. Cryptocurrency is a good investment if you are looking to gain direct exposure to the demand for digital currency.

      Investing in Commodities

      Investing in commodities can provide investors with diversification in many ways. Including, a hedge against inflation as well as excess positive returns. Investors may experience volatility when their investments track a single commodity or one sector of the economy. Supply and demand are two factors that affect commodity prices.

      Investing in Mortgage-Backed Securities

      Mortgage-backed securities can be an appropriate choice for bond investors seeking a monthly cash flow, higher yields than Treasuries, generally high credit ratings, and geographic diversification.

      Real Estate Investment Trust

      A Real Estate Investment Trust (REIT) is typically companies that own real estate. They provide an opportunity for someone who wants to start investing in real estate but not on a large scale.


      Common Investing Questions

      How does investing work and how do you get started?

      Investing is an opportunity that allows you to save money in the present in hopes of reaping the benefits of that money growing in the future. However, investing also has the potential for losses.

      How do you start investing in stocks?

      Research. Research. Research.

      What is investing in real estate and how do you get started?

      Investing in real estate is a great way to diversify your investment portfolio. There are many different types of ways to invest in real estate. Picking the one for you is a personal preference. For example, you may invest in REITS, DST’s, rental properties, flipping properties, or even just start by renting out a single room.

      What is ESG investing & what are ESG stocks?

      ESG investing is a form of investing that is very much sustainable. Considering environmental, social and governance factors to determine an investment’s financial returns as well as its overall impact. The most popular of these is Microsoft (MSFT).

      What is value investing?

      Value investing is known as buying stocks in hopes of then trading them at a significant discount to their intrinsic value.

      What is ETF investing?

      An Exchange-traded fund (ETF) is a type of investment fund and exchange traded project that is traded on stock exchanges. ETFs are typically ideal for investors who are just starting out. This is because of the many benefits they offer including, low expense ratios, diversification, and low investment threshold.

      Where to invest in Florida real estate?

      Florida is one of the best states to invest in real estate and that’s not a surprise due to the multitude of benefits it provides. It is also a tax-friendly state which is a pro for anyone planning to buy property as an investment.


      Investing Guides and News

      The best way to a positive financial future is through knowledge. At Wealthcare Financial we strive to educate our clients. Below are some resources our team has put together to help you better understand your investing options.

      • How to Save for Retirement – Savings Beyond your Employer Contribution Plans
        Saving for retirement is a sound theoretical plan for everyone. Unfortunately, not many people can achieve their goals. Precisely, many people fail to correctly […]
      • Should You Manage Your Own Investments?
        It’s never too early to start thinking about investing – whether retirement is years or decades away. The sooner you start, the more time […]
      • Should You Change Your Investment Strategy post Covid-19.
        If the corona-virus crises has taught us anything, it is that “predictions are impossible”. The world has seen unprecedented levels of uncertainty. The economies […]
      • Should You Invest in Bitcoin in 2021? Understanding Cryptocurrencies
        It wasn’t a long time ago when cryptocurrencies were considered disruptive forces to the investment world. In the last few years, cryptocurrencies have become […]
      • Multiple Stocks Set Record Highs as President Biden signs the $1.9 Trillion Corona-virus Relief Bill
        Stocks Continue to climb: Recently, multiple stocks, including the Dow and S&P 500 which both set record highs. This is mainly due to the […]

      Filed Under: Services

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      Disclaimer: Investment advisory and financial planning services are offered through Alphastar Capital Management LLC (“Alphastar”), a SEC registered investment adviser. WealthCare Financial and Alphastar Capital Management, LLC are separate and independent entities. The firm only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. WealthCare Financial offers insurance products through individuals licensed to sell insurance. Comments regarding guaranteed returns or income streams refer only to fixed insurance products offered by WealthCare Financial and, unless specifically stated, do not refer in any way to securities or investment advisory products offered by Alphastar. Fixed insurance and annuity product guarantees are subject to the claims paying ability of the issuing company and are not offered or guaranteed by Alphastar.