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Wealth Mode

Updated today

Client assets under management

$10,753,138

Clients

95

4% high-net worth

Advisors

1

of 2 employees

Firm type

Independent

1 advisor

Clients per advisor

95

Very High

Average account size

$113,191

About

Wealth Mode serves individual and high‑net‑worth clients as well as self‑employed business owners, offering comprehensive financial planning, portfolio management through third‑party managers, retirement plan consulting, and tax return preparation. The firm delivers one‑time and ongoing planning engagements and provides investment analysis and implementation support tailored to each client’s circumstances.

Investment implementation is primarily passive and model‑based, grounded in Modern Portfolio Theory, and executed via outside managers and platforms the firm recommends; client risk is assessed using a FinaMetrica/TIFIN profile that the adviser may adjust after discussion. Ongoing clients receive planned touchpoints such as semi‑annual reviews and, for some business owners, expanded services that include bookkeeping and “personal CFO” style financial management.

What is distinctive for a firm of this size is its public education and content business: Wealth Mode creates and sells online courses, hosts webinars, and offers educational seminars and speaking engagements in addition to client work. It also documents niche service offerings such as student‑loan planning and makes cryptocurrency exposure available via spot ETFs on request, features not commonly offered by similarly sized supported advisers.

Client services

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

Expertise

Business sale tax planning Student loan debt Cash flow / budgeting Retirement plans for business owners (SEP, solo 401k) General estate planning guidance

Occupation focus

Founder/Business Owner Self-Employed

Fee options

Fixed

Power Hour Consultation: $350 minimum; Student Loan Plan: $450-$650; One-Time Financial Plan: $1,500 to $7,500; Upfront Financial Plan fee: $1,200 to $15,000

Percentage

$0 - $100,000: $250 minimum fixed fee per household annually (investment management, if not enrolled in comprehensive planning) $100,000.01+: 0.10% annually (investment management fee for assets over $100,000 if not enrolled in comprehensive planning)

Project-based

$150 per hour for Custom Consultation financial planning services

Subscriptions

Ongoing comprehensive financial planning annual fees ranging from $1,800 to $48,000, paid monthly or quarterly

Other

Minimum fee: $250 minimum annual fee per household for investment management under $100,000 AUM if not enrolled in comprehensive financial planning Fee-only: Financial planning fixed fees from $350 (Power Hour Consultation) to $7,500 (One-Time Financial Plan); hourly rate $150/hour; ongoing comprehensive financial planning annual fees $1,800 to $48,000

Main office location

Wealth Mode

270 S Main St Suite 112, Ofc 5

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 Self-Employed Gen Y/Millennials (Born 1980-1995)
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