Wealthramp
Wealthramp is a privately-held, SEC-registered advisor matching platform founded in 2018 that connects U.S. consumers with vetted fee-only fiduciary financial advisors via a 22-step survey, generating revenue through fee-sharing with network advisors while remaining free for consumers.
- Company typePrivate
- Founded2018
- HeadquartersOsterville, United States
- Headcount1–10
- GTM typeB2C
- OfferingServices
What Wealthramp does
Wealthramp is a privately-held, SEC-registered investment adviser incorporated in Massachusetts that operates a self-service online platform connecting U.S. consumers with a curated network of fee-only fiduciary financial advisors. Founded in 2018 by investor advocate Pam Krueger (formerly of the Schwab Advisor Services team and host of the PBS series MoneyTrack), the platform grew out of post-2008 financial-crisis demand for trustworthy, conflict-free financial advice. Consumers complete a 22-step survey covering demographics, income, investable assets, risk tolerance, communication preferences, language, and advisor specialization needs, and receive up to three personalized advisor recommendations; the first meeting is complimentary and there is no obligation to engage.
The core product is the Wealthramp Matching Platform, supported by a vetted fiduciary advisor network, a multi-question intake survey, complimentary consultation scheduling, and an editorial content layer spanning the blog, the Friends Talk Money podcast, and social channels. The technology stack and any proprietary algorithms are not publicly disclosed, and no AI/ML modalities are described; the CTO holds an AI & Cybernetics background but the matching process is presented as human-curated, survey-driven, and rules-based. Wealthramp generates revenue exclusively through fee-sharing with network advisors (25% of client-paid advisor fees in year one and up to 15% in subsequent years), and the service is entirely free for consumers, with no user data sold and no pay-for-placement accepted from advisors.
The company has facilitated over 10,000 advisor-client matches since 2018 across a horizontal set of consumer segments including retirement planning, divorcees, windfall recipients, estate planners, stock option holders, ESG investors, and military families. Distribution is fully digital and nationwide. Wealthramp is founder-owned with no disclosed venture capital or private equity backing; angel investors and board members (including a former Hilton Grand Vacations CMO, the CIO of a $1B+ Boston RIA, and the co-founder of a $32B retirement-asset custodian) provide strategic guidance. Notable recognition includes the 2021 NAPFA Special Achievement Award to the founder.
Wealthramp firmographics
Firmographics- Name
- Wealthramp
- Legal name
- Wealthramp Inc.
- Website
- https://wealthramp.com
- Company type
- Private
- Founded year
- 2018
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Wealthramp is a privately-held, SEC-registered advisor matching platform founded in 2018 that connects U.S. consumers with vetted fee-only fiduciary financial advisors via a 22-step survey, generating revenue through fee-sharing with network advisors while remaining free for consumers.
- Ownership category
- akta.pro rank
Wealthramp industry classification
Industry- Product category
- Financial Advisor Matching
- NAICS
- Portfolio Management and Investment Advice (523940), Trust, Fiduciary, and Custody Activities (523991)
- SIC
- Investment Advice (6282)
- akta.pro primary industry
- Hybrid Advice (Advisor + Digital) Platforms (FSAAAAAE)
- akta.pro secondary industries
- Registered Investment Advisor (RIA) Wealth Management (FSAEABAA), Financial Planning & Goals-Based Advice (Mass Affluent) (FSAAAAAF)
Keywords
Where Wealthramp is headquartered
LocationHeadquarters
- HQ city
- Osterville
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
Wealthramp business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Marketing or Sales, Technology or R&D, Operations
Revenue model
- Referral Fee (Fee-Sharing): Wealthramp generates revenue through a fee-sharing arrangement with advisors in its network. When a user establishes a client relationship with a matched advisor, Wealthramp receives a percentage of the fees paid by that client to the advisor. The standard arrangement is a 25% share of fees paid by users to advisors for the first year of the client relationship, and up to 15% of fees paid thereafter in subsequent years. Advisors on the network are prohibited from charging clients any premium over their standard fees simply because the client was referred through Wealthramp.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Pay-as-you-go | Free matching service for consumers |
Go-to-market motion1 record
Distribution channels2 records
Marketing channels6 records
Wealthramp product offering
Product offeringCore offering
Wealthramp operates a self-serve matching platform that connects consumers with rigorously vetted, fee-only fiduciary financial advisors. Users complete a multi-step survey describing their financial needs, preferences, and circumstances, and receive up to three personalized advisor recommendations. The platform is free for consumers; Wealthramp is compensated through fee-sharing arrangements with advisors in its network (25% of first-year fees, up to 15% thereafter).
Product overview
Wealthramp is a technology-enabled financial advisor matching platform that connects consumers with rigorously vetted, fee-only fiduciary financial advisors. The core offering is the Wealthramp Matching Platform, which uses a multi-step survey to match investors with up to three personalized advisor recommendations. The platform offers comprehensive financial planning services spanning retirement planning, tax planning, estate planning, investment management, and specialized areas like divorce planning, stock option planning, and socially responsible investing. Wealthramp generates revenue through fee-sharing arrangements with network advisors and does not charge consumers for using the platform.
Differentiator
Problem solved
Functional benefit
Products and services
- Wealthramp Matching Platform A technology-enabled matching platform that connects consumers with rigorously vetted, fee-only fiduciary financial advisors through a multi-step survey process, providing up to three personalized advisor recommendations. Free for consumers.
- Fiduciary Financial Advisor Network A curated nationwide network of fee-only fiduciary advisors legally obligated to act in clients' best interests, vetted through a rigorous multi-step process including regulatory checks and personal interviews by founder Pam Krueger.
- Financial Planning Services Comprehensive financial planning delivered through matched network advisors, covering retirement planning, investing and diversification, portfolio management, tax planning, estate planning, divorce planning, windfall management, and family financial planning.
Quantifiable outcome
- 10,000+ successful advisor-client matches since 2018
Companies that use Wealthramp
Customer profileSegments7 records
Ideal customer profiles1 record
Wealthramp technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Wealthramp partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- Brigham Young University–IdahominorWealthramp partnered with Brigham Young University–Idaho to launch a mentorship program for students pursuing careers in wealth management. The program provides real-world mentorship helping students understand fiduciary principles and build client-centric careers in financial planning.
Scale indicators3 records
Recent moves3 records
Expansion highlights4 records
Wealthramp competitors and assessment
Company assessmentDirect peers
- SmartAsset: SmartAsset is a leading consumer financial decisioning platform with a large advisor-matching business that connects users with financial advisors. While broader in scope (mortgages, taxes, banking), its advisor lead-generation model is the most direct competition for Wealthramp's consumer-to-advisor funnel.
- Facet Wealth: Facet Wealth is a tech-enabled financial planning firm offering flat-fee fiduciary advice directly to consumers. It competes with Wealthramp by delivering its own hybrid digital-plus-human advice rather than matching, but targets the same underserved mass-affluent consumer segment.
- Harness Wealth: Harness Wealth is a digital advisor-matching platform that connects consumers with vetted financial advisors, including tax, estate, and financial planning specialists. Its core product overlaps directly with Wealthramp's matching service across affluent consumer segments.
- Zoe Financial: Zoe Financial is a direct competitor operating a curated matching platform that connects consumers with vetted, fee-only fiduciary financial advisors. Its product, segment focus, and PLG-style survey-based matching model closely mirror Wealthramp.
Broad incumbents
- Garrett Planning Network: Garrett Planning Network is an established network of fee-only hourly and retainer-based financial advisors. It overlaps with Wealthramp's fee-only, fiduciary-only value proposition and serves as both an alternative matching channel and a potential source of advisor supply.
- XY Planning Network: XY Planning Network is a large, established network of fee-only financial advisors serving Gen X and Gen Y clients. While it is itself an advisor network rather than a pure matching platform, members are potential supply for Wealthramp and it competes for both advisor talent and consumer mindshare.
- Personal Capital / Empower: Empower (formerly Personal Capital) is a large, established digital wealth manager offering hybrid robo-plus-human advice. It competes for the same mass-affluent consumer Financialramp targets and operates at vastly greater scale, though with a broader product portfolio.
- Schwab Advisor Services: Schwab Advisor Services is the largest custodian and infrastructure provider for RIAs, and historically referred independent advisors to consumers via its own program. As Wealthramp's founder helped build this business, it remains a relevant incumbent benchmark and partner ecosystem.
- NAPFA (National Association of Personal Financial Advisors): NAPFA is the leading professional association of fee-only financial advisors and runs its own 'Find an Advisor' directory. It is a broad incumbent in the same fiduciary-advice space where Wealthramp operates and represents both an alternative discovery channel and a feeder organization for Wealthramp's network.
Emerging players
- Bankrate (Advisor Matching): Bankrate (owned by Red Ventures) operates a financial advisor matching service that connects consumers with advisors. It is a broader financial-services comparison destination and competes for SEO-driven advisor-intent traffic that Wealthramp also targets.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
Wealthramp social profiles
Digital presenceWealthramp financial estimates
Financial estimateRevenue estimate
Valuation estimate
Wealthramp leadership team
Management profileNumber of profiles
Profiles13 records
Wealthramp funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Wealthramp M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Wealthramp
What does Wealthramp do?
Wealthramp operates a self-serve matching platform that connects consumers with rigorously vetted, fee-only fiduciary financial advisors. Users complete a multi-step survey describing their financial needs, preferences, and circumstances, and receive up to three personalized advisor recommendations. The platform is free for consumers; Wealthramp is compensated through fee-sharing arrangements with advisors in its network (25% of first-year fees, up to 15% thereafter).
Is Wealthramp a public or private company?
Wealthramp is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Wealthramp founded?
Wealthramp was founded in 2018. It employs 1 to 10 people.
Where is Wealthramp based?
Wealthramp is headquartered in Osterville, United States, in the North America region.
How does Wealthramp make money?
One revenue line is on record: referral Fee (Fee-Sharing).
Who are Wealthramp's main competitors?
Direct peers on record are SmartAsset, Facet Wealth, Harness Wealth and Zoe Financial. Broad incumbents are Garrett Planning Network, XY Planning Network, Personal Capital / Empower, Schwab Advisor Services and NAPFA (National Association of Personal Financial Advisors). Bankrate (Advisor Matching) is listed as an emerging player.
Does Wealthramp have an API?
No public API is recorded for Wealthramp.
What industry is Wealthramp in?
Wealthramp's product category is Financial Advisor Matching. Its primary akta.pro industry code is FSAAAAAE, Hybrid Advice (Advisor + Digital) Platforms, with a secondary code of FSAEABAA, Registered Investment Advisor (RIA) Wealth Management. Its NAICS code is 523940 and its SIC code is 6282.