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Wealth Mode

Updated today

Client assets under management

$12,486,401

Clients

88

5% high-net-worth

Advisors

1

of 2 employees

Firm type

Independent

1 advisor with up to 2 employees

Average account size

$141,891

About

Wealth Mode serves individual and small‑business clients, including individuals with complex employee benefits or business‑owner needs, offering financial planning, investment management and tax return preparation and representation. Like many independent advisers, it provides portfolio management for individuals and uses asset‑based fees alongside fixed‑fee and hourly planning engagements.

The firm implements investment programs primarily through third‑party money managers and passive, model‑based portfolios grounded in Modern Portfolio Theory, using formal risk‑profiling questionnaires to establish client allocations. Comprehensive planning clients receive an upfront plan and ongoing monitoring with a schedule of semi‑annual reviews, coordinated implementation and periodic rebalancing or plan updates.

Compared with typical solo independent firms, Wealth Mode offers an uncommon mix of public education and outreach—online courses, webinars and in‑person seminars—while also providing fee‑based tax services (including tax return preparation and IRS representation through the firm owner’s Enrolled Agent credential). It also extends into small‑business support (bookkeeping review, payroll coordination, entity setup/maintenance), broadening its service set beyond the standard planning plus AUM management model.

Client services

Financial planning Portfolio management Selection of other advisers Educational seminars or workshops Tax return preparation

Expertise

General retirement planning Retirement income strategy College savings (529s, UTMA, etc.) Student loan debt Business ownership considerations

Occupation focus

Founder/Business Owner

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Fee options

Fixed

Power Hour Consultation flat fee starting at $350; Student Loan Plan from $450 to $650; One-Time Financial Plan ranging from $1,500 to $7,500; business support upfront fees from $300 to $2,000; monthly business support fees $100 to $1,500; tax preparation fees vary, often fixed or hourly-based.

Percentage

$0 - $100,000: $250 minimum fixed fee per household annually $100,000.01+: 0.10% of assets under management annually

Project-based

$150 per hour for Custom Consultation financial planning services.

Subscriptions

Ongoing comprehensive financial planning annual fee ranges from $1,800 to $48,000 paid monthly ($150 to $4,000/month) or quarterly ($450 to $12,000/quarter) in advance after initial upfront fee.

Other

Minimum fee: $250 minimum annual fee per household for clients not enrolled in comprehensive financial planning services and with up to $100,000 AUM. Fee-only: Fixed fees for financial planning services ranging from $350 for Power Hour Consultation, $450-$650 for Student Loan Plan, and $1,500 to $7,500 for One-Time Financial Plans; hourly fees at $150/hour; business support services from $300 upfront and $100-$1,500 per month; tax preparation fees based on complexity or hourly consultation.

Main office location

Wealth Mode

450 S 400 E, Ste 261

Bountiful UT 84010, United States

Number of offices

1

Most active in

California · Louisiana · Texas · Utah

Disclosures

Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.

Business activities & affiliations

Advisors at this firm

Justin C

CFP®

Bountiful, UT

Wealth Mode

Hi, I’m Justin. I am the founder of Wealth Mode Financial Planning. My team and I have a primary focus in helping those with over $100,000 in federal student loans create a plan to minimize loan payments and save taxes – without sacrificing meaningful goals like buying a home, starting a family, or saving for retirement. Our clients with high student loan debt: – Usually 30-35 years old – Graduated in the last 5 years – $250,000 in average household student loans – $200,000 to $250,000 in annual household income – Want to buy a home and start a family within the next few years - Are or plan on being a business or practice owner in the future We'll help you examine all your options – 10-year standard plan, refinancing, the Income-Driven Repayment (IDR) plans like IBR/PAYE/SAVE, and Public Service Loan Forgiveness (PSLF). For married couples both working, you need to look at whether you should file your taxes Married Filing Separately. From there, we can identify how you can save the most money in paying off your loans while still saving enough money toward other goals. We’ll teach you everything you need to know about setting up the right investment portfolio for you, and which accounts you should be using. Then, we'll set you up with an easy-to-follow budget and cash flow system that will make it all happen. Last of all, let’s make sure you’re protected with the proper life insurance, disability insurance, and estate planning documents you need. Many of our student loan clients have a spouse/partner with equity compensation (ISO's, non-qualified stock options, RSU's, ESPP's, etc.), and we've become quite adept at strategic planning for that as well. We place a heavy emphasis on tax planning and prepare our clients' tax returns as well if they would like. Our clients include physicians, dentists, chiropractors, lawyers, and veterinarians - really, any high-student loan debt trade or profession. Our clients live across 25+ U.S. states in all four time zones, and some countries internationally. I love what I do, and how it helps my clients focus on enjoying their lives and careers instead of worrying about debt or money. _ _ Outside of work, I enjoy spending time with my wife and best friend AnnAlyse, our 4-year old daughter, and our newborn son (as of spring 2025). We love traveling, attending concerts and musicals, jigsaw puzzling, and anything else we can do with our kids.

Student loan debt Home buying Equity Recipients (RS/RSU, SOP, ESPP) Founder/Business Owner Gen Y/Millennials (Born 1980-1995)
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