Wealthcare's GDX360®pioneered the experience-based, goals-driven model for today's inspired investor.

The easy-to-use model synchronizes financial planning and investing strategies and advice to help investors stay on track with their goals.

Centered on the investor, it delivers three elements of a positive financial experience: clarity, confidence and control.



Client Discovery Conversation

Foster a deeper conversation and offer insight into life goals and priorities.

  • Explore and clarify values, passions, ambitions, and dreams to create definable life goals
  • Deeper, more meaningful advisor-client relationship


Life Goal Ranges

Determine the parameters of what's ideal and what's acceptable

  • For each goal...what you really want vs. what you'll accept
  • “I want to retire at 65, but will accept working until 70.”


Goals-Risk Exchange

Uncover which goals the client values most

  • Prioritize goals by finding the tradeoff between goals and risk
  • “I’m willing to work until 70, if doing so lets me take less risk."


Investment Strategy Modeling

Seamlessly integrate investments with life goals and dreams

  • Match goals with investment needs and  personal preferences
  • Investment choice framework offers 36 programs and 360 portfolios across active/passive strategies


Plan Blueprints

Create a dynamic financial plan that aligns goals with investments

  • Use the GDX Planning process technology to create personalized plans that adapt to life/market changes
  • Advanced planning modules (estate, insurance, etc.) included as needed
Client Comfort Zone®

Sweet spot showing where life goals and investing are working in synchronized harmony

  • Illustrates magic of Monte Carlo simulations in finding plans with high probabilities of success
  • Show where unncecessary sacrifices are being made, or if plans are too uncertain


Investment Policy

Personalized compliance oversight that governs/guides client investment decisions

  • Investment Policy Statements (IPS) capture intent of portfolio decisions
  • A dynamic document that evolves as needs, preferences, circumstances, or goals change


Tax Optimization (Asset Location)

Place assets in most tax efficient accounts across household

  • Put higher-yielding assets (bonds) in tax-deferred accounts
  • Put assets with greater long-term return potential (stocks) in taxable accounts


Household-Based Rebalancing

Looks across entire client household, not just individual accounts, for most cost-effective trading

  • Fewer trades needed to rebalance at household level; lower costs
  • Greater flexibility in minimizing tax impact when rebalancing


Tax-Sensitive Withdrawals & Loss Harvesting

Uses advanced tax and household-based strategies designed to improve after-tax return

  • Identify tax efficient withdrawal strategy aimed at minimizing tax impact
  • Identifies assets to sell at loss while maintaining client's risk-return profile


Investment Oversight

Disciplined manager selection and risk management process
  • Regular market research and program/portfolio review and commentary
  • Ongoing due diligence to monitor manager performance and identify detrimental factors


Comfort Zone® Monitoring

Ongoing, regular reviews of client's personalized Comfort Zone®

  • Keep track of progress and make adjustments to get clients back into their Comfort Zone
  • Look ahead, at likelihood of exceeding goals, not back, at investment performance 


Two James Center, 1021 East Cary Street, Suite 1120, Richmond, VA 23219  |  804- 644-4711  | www.WealthcareGDX.com  


Wealthcare Capital Management LLC and Wealthcare Advisory Partners LLC (collectively, “Wealthcare”, “WCM”, “WCAP”, “we”, “our”, “us”) are registered investment advisors with the U.S. Securities and Exchange Commission (SEC) under the Investment Advisors Act of 1940.  All Rights Reserved. 

GDX360® is Wealthcare’s fiduciary process that integrates goals based planning with investment implementation that includes cost and tax management services designed to put clients first.

WealthcareGDX® and GDX360®are trademarks of Wealthcare Capital Management IP LLC.

This website is intended to provide general information about GDX360® as a WCM and WCAP service. It is not intended to offer or deliver investment advice in any way. Information regarding investment services are provided solely to gain an understanding of our investment philosophy, our strategies and to be able to contact us for further information.

All investment advisory and financial planning services are offered through WCM and WCAP. WCM and WCAP will maintain all applicable registration and licenses as required by the various states in which WCM and WCAP conducts business. WCM and WCAP render individualized responses to persons in a particular state only after complying with all regulatory requirements, or pursuant to an applicable state exemption or exclusion. Click here to see the full list of disclosures.