Digital Wealth Management: Be smarter than your average advisor.

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Wealth Management vs. Financial Advisors - Financial planning is just one part of wealth management. To plan for the big picture, you need to look at the whole picture.

Wealth management. Sounds like something only rich people get to do. That’s what they want you to think! To the contrary, everyone should be thinking about managing their finances in order to build long term wealth. For most people this centers around retirement planning and investing. Which is a a great start. But that’s just one piece of the puzzle. At Range, we’re building a platform that connects all aspects of your wealth in order to deliver the best possible planning and advice. These are the main areas you should be considering when approaching wealth management:

Cash Flow and Budgeting

How much money is coming in? How much is going out? Before you get into talking about different investments, it’s important to understand how much disposable income you have—and how you’re spending that income—so that you know if there’s room to begin investing and saving more. Most people don’t realize how much they’re actually spending each month and wonder why they’re not saving more. Many times this is an Amazon problem 🙂


Managing Cash Flow: Create a budget that works for you.

Manage your cash flow with Range.

Pay yourself first - the 80/20 budget

Should I pay down debt, save, or invest?

I want to improve my finances, where should I start?

What are the top 5 mistakes when creating a budget?

Education and Retirement Planning

Two of the most common things people are working towards are their children's education and retirement. There are several factors to consider for each and if you’re working with an advisor, they can help you understand the different variables involved - such as your income and projected income, the amount you can comfortably save, the amount of time you have to reach your goal, and your risk profile.


Retirement Planning: It’s probably time to start.

What does F.I.R.E. mean for your retirement?

How can I set up my child for financial success?

Saving for Education: 529 plans and beyond.

Investment Management

Most of us are not day traders. That doesn’t mean we shouldn’t shape the way our money is invested. Important factors to consider when investing are your risk profile (how aggressively do you want to invest), how much time you have to achieve your goals, and the specific stocks, funds or bonds in your portfolio. If you’re working with a financial advisor, this is where you might be paying fees based on the amount of money they’re managing. One way to eliminate those fees is to find a 0% assets under management (AUM) partner (like Range!).


Investment Planning: What is your strategy?

How should I be thinking about a modern investment philosophy?

How can I buy an investment property?

Inflation, interest rates, and what it all means

What is your investment risk profile, and what does it mean?

Tax Planning

We like Uncle Sam as much as the next guy, but you shouldn’t be paying more than your fair share of taxes. If you have multiple income streams, multiple investments or properties, there may be some additional ways to minimize your tax liability. Tax codes can be complicated, and often services that file your taxes may not be finding all available tax breaks. This can amount to tens of thousands of dollars ending up in the government’s pocket instead of yours. We can help fix that problem.


Tax Planning: What you need to know. And why you need a pro.

Ask a Certified Planner: Taxes

Five Reasons You Should Graduate From DIY to a CPA or Tax Professional

Year end tax moves from a financial planner.

What should I know about Alternative Minimum Tax (AMT)?

What is tax-loss harvesting, and how does it work?

How can I be smart when giving to charity?

My company gave me stock options. How do they work?

Trust and Estate Planning

The only other certain thing aside from taxes is that we’ll all one day be gone. It’s important to make sure you have a solid plan BEFORE that happens. Estate planning ensures that your assets will end up in the right place after you’re gone, no matter how much money you have. This means working with an estate lawyer to create your will, living will, a trust, and designate someone as your health care proxy and power of attorney. While this is unpleasant to think about, not dealing with it could lead to even more unpleasant outcomes.


Estate planning strategies: Why to do it before you die.

Range Estate Planning Services

Do You Need A Revocable Living Trust? Here are 3 Reasons to Consider One

Insurance Optimization

We’re talking about life insurance. Ensuring that your family is well-taken care of in the event that you’re no longer here (see previous section) is an important part of your wealth management. It can help cover any expenses, outstanding debt and make up for lost income—so your family can continue to grow and reach their goals, even without you. There are various types of life insurance available—term, whole, universal—so understanding which is the best for you can make a big difference.


Insurance Optimization

Financial Planning

Retire early? Send a kid to college? Invest in real estate? Your financial plan is a roadmap for how you’ll go about achieving your goals. Start by identifying the goals you want to achieve and based on all of the factors above, put together a plan that allows you to reach those goals through a combination of budgeting, saving and investing.


I'm changing jobs. What financial moves should I make?

How do I combine finances with my partner?

Can I afford to take a sabbatical?

That is A LOT to think about—and most people only consider one or two of these areas when they’re discussing financial planning or working with an advisor.

Range’s Approach to Wealth Management is designed your one-stop shop for all of the above, from the start. Normally, to handle all everything discussed on this page, you would need to piece together an a-la-carte team - or do a substantial amount of it yourself. Unless you’re in the top 1% - in which case you might have a “family office” handling all of that for you. Range provides comprehensive wealth management, touching each of the important topics - all in one place, for one flat fee. Range delivers holistic advice across all topics—faster and with no murky asset management fees.