Range Wealth Management - Help & Support

How are you different from my financial advisor?

How are we not? At Range, you have access to multiple advisors who will advise on all aspects of your finances—not just investment or retirement planning. Range gives you more than just access to advisors, we deliver a tech platform armed with your aggregated, real time data, available for you to access 24/7.

Will I have one advisor?

Nope. One advisor is the old way of doing things. At Range, we want to give you the best advice based on your specific situation or question—which is why we arm you with a team of experts (and tools) to address whatever your need might be.

You'll work with Certified Financial Planners, tax professionals, equity compensation specialists, and estate planning experts—each bringing deep expertise in their respective areas. This team-based approach means you receive specialized knowledge for every aspect of your financial life, backed by 24/7 platform access and coordinated guidance across all your financial needs.

What are your experts’ qualifications?

We have a team of highly qualified advisors and experts working with our members. Amongst our advisors, we have:

Certified Financial Planner (CFP)
IRS Enrolled Agent (EA)
Certified Public Accountant (CPA)
Equity Compensation Associate (ECA)
Chartered Financial Analyst (CFA)
Chartered Retirement Plans Specialist (CRPS)
Masters in Business Administration (MBA)

Our team brings a wealth of experience - pun intended - from their previous employers, having spent time working at JP Morgan, TIAA, Vanguard, UBS, Wells Fargo, Credit Suisse, Goldman Sachs - amongst others. We hire only the most qualified, and aim to represent a diverse set of expertise to best serve our Members.

Is Range a fiduciary?

Yes, as a Registered Investment Advisor (RIA) we are legally required to make recommendations with your best interests in mind. Our CFP® professionals meet rigorous educational, training, and ethical standards. They maintain the highest levels of confidentiality, with a focus on protecting and prioritizing our members.

Do I have to link my accounts to Range?

Yes. If you’re unwilling to connect your external accounts to Range, our platform is not for you.

Our platform depends on data from your bank, brokerage, mortgage, and credit card accounts to deliver accurate and personalized recommendations. Without this, we cannot provide the level of service you expect. The more accounts you link, the better Range works for you.

What’s the difference between Premium, Platinum and Titanium?

Premium - Our Premium tier is designed to deliver foundational wealth management across all aspects of your finances. If you have relatively straightforward finances, but want to start building your wealth the right way, Premium is a great place to start. Premium does not include tax projections, or estate document creation.

Platinum - The Platinum Tier at Range is designed for Members who have more complex finances to manage. And by more complicated, we mean more tax implications. As you add income streams, new investments and expenses, need to file taxes in multiple states, your taxes become more complex. Tax projections and scenario planning is included in this tier. We will also handle estate document creation should you need it as a Platinum Member.

Titanium - If you’ve made it this far, you probably already know Titanium is right for you. Your taxes are very complex, you have multiple income streams of multiple types coming in from multiple states and countries, and are probably paying hefty fees to multiple partners to help you manage them. With the Range Titanium Membership, you get everything in Platinum, but we’ll handle tax situations that are more complex—i.e. you have over 5 K1’s, taxes in over 3 states, and/or have international tax situations to deal with.

If you’re unclear which tier is right for you, talk to our Membership team.

Can you help me with my equity compensation package?

Range has qualified Equity Compensation Associates on staff, ready to handle any equity events or questions you may have. Not all advisors are equipped to competently handle this—and these decisions carry serious tax implications, so proactive planning is critical.

Range helps you understand how much to buy, sell, and execute—and when to do so—to maximize cash in your pocket, minimize tax impact, and reduce your investment risk. Our expertise covers ISOs, NSOs, RSUs, early exercise strategies, 10b5-1 trading plans, QSBS planning, secondary sales, and stock option financing.

‍

What will my financial plan look like?

We’re a tech platform. So we won’t be sending you a 40-page document to print out and put in a file cabinet and collect dust. Your plan will be personal, actionable and evolving.

For starters, you’ll receive a concise written recommendation. Based on that, the Range platform will have a series of steps for you to take in order to make your plan a reality. Each plan comes with custom, unique and specific actions outlined. As you complete these steps, check them off the list. This way, you and your advisor will be on the same page about where you’re at in the process.

Rather than throw everything at you at once, your financial plan is sequenced out according to your personal situation and priorities. We start with the opportunity with the greatest urgency or potential for impact. And we continue working with you until you’ve reached your peak financial position.

You can find more information on the plan delivery in this pdf.

How long does it take to get my plan?

After you complete onboarding, our team will do a deep dive into your financials and goals as they develop your plan. This generally is delivered 1-2 weeks after you complete all onboarding steps.

Can Range manage my investments for me?

Yes. Range offers full-service investment management through our partner Altruist. Our advisory team works with you to craft a portfolio designed to achieve your specific goals.

We offer a wide variety of low-cost and tax-efficient solutions from leaders in the space, like Dimensional, Vanguard, and BlackRock. We're also ready to build a fully custom portfolio for you from scratch. All investment management services are provided at 0% AUM—our flat-fee structure means your wealth growth doesn't increase our compensation.

‍

I’m interested in tax services, what’s included in each package?

Premium - Best for those who have simple tax situations. The team will answer general tax-related questions, but will not file your taxes or do a deep dive. This does not include any specific numerical projections (i.e. how much will I save?) or forward-looking tax modeling.

Platinum - A good solution for more complex tax situations. This extensive offering includes a thorough historical analysis of past returns, precise withholding projections, forward-looking income and equity event planning, advanced tax scenario modeling, and actionable tax-saving recommendations. (up to 3 states, up to 5 K1's, includes FBAR).

Titanium - This is the Cadillac of tax services, for those who have seriously complicated taxes. With Titanium you receive everything in Platinum, but the team will handle over 3 states, as many K1's as you have, FACTA (or other International reporting forms) and up to three previous years of tax filing reviews.

Range does not file business taxes at this time.

‍

Can you file my personal or business taxes?

Personal tax filing is included in Range Platinum and Titanium plans (check out our pricing page for more details). Range does not currently offer business tax filing.

Can you give me business advice?

Currently, Range is not equipped to service small businesses across all of their needs. If you're self-employed (or file Schedule C tax forms) Range can consult on your retirement planning, deliver a yearly P&L review/audit, advise on business entity structure, and advise on eligible business tax deductions. Range does not handle any bookkeeping.

Will Range assist with Legal services, like creating LLCs?

Currently this is not a service we offer. If there is something more specific regarding your legal needs, please reach out to our team.

Do I need to invest with you—are there any account minimums?

Nope. You don’t need to move any of your money to take advantage of Range. But at 0% AUM for our advisory services, you might want to consider it.

Here's why.

Can I disconnect my financial accounts at any time?

Yes, you can remove any and all of your Range connections to your financial institutions at any time. Once an account is disconnected, all of your data for that account is also deleted.

Can I sign up for Range if I live outside the United States?

Currently, we are only able to support members who reside in the United States. Sorry.

How do I change or reset my password?

You can change your password by using this page.

What data can my collaborators see?

Your collaborators can see all data that you share with Range by default (accounts, questions, income, goals, etc).

‍

The reason for this is that we believe strongly in making your money work smarter, together. Our plan is to introduce some visibility controls in the future, but there's no ETA on this.

Does Range have access to my credentials?

Range does not store nor has access to any of your login credentials. We integrate with industry leading partners like Plaid, MX and Yodlee for account aggregation to communicate with financial institutions. Our partners provide read only access to Range, meaning we are unable to transact or make changes to your accounts.

Why can’t I see my collaborators accounts?

Make sure the right filter is set. Go to the Accounts page from the left hand menu > Filter > Show ‘Me + Partner’

You should now see all of their accounts and transactions indicated with a small colored dot and their initial in the bottom right corner of each icon.

How do I categorize transactions?

Go to Cash Flow > Transactions. Select the icon to the right of the current category name and a list will pop up for you to choose from. You can select a default category or create your own.

To bulk edit you can change one category and then select the "create a rule" link that pops up in the bottom right corner.

Then, complete the form to edit all current and future transactions that match your set criteria. The system will automatically find all the transactions that match the new rule so you can easily apply to all of them at once.

‍

Why can’t I connect to my financial institution?

While other sites partner with just one tool, we have taken the extra steps of partnering with three different data aggregators to provide the best experience possible for our members. Unfortunately, we still have to rely on the institution and the data aggregator to work together to provide a seamless connection. Some institutions are more reliable than others and some occasionally experience service interruptions.

If you are having trouble connecting to specific institutions or if some transactions seem to be taking longer to show up than others, let us know by reaching out to support@range.com. We can often switch between our third party service providers to remedy these issues or open a ticket with Plaid/MX/Yodlee to get the issue resolved.

We've also built an easy way to manually add your account. Just select Add Account > Add manual account > Select category.

Can I disconnect my financial accounts at any time?

Yes, you can remove any and all of your Range connections to your financial institutions at any time. Once an account is disconnected, all of your data for that account is also deleted.

Why aren’t my transactions loading?

It can take up to 24 hours for transactions to become available. We seek to pull up to 12 months of account history, however certain institutions put limits on the amount of history available to pull, which unfortunately is completely out of our control. In other instances, it may just take longer to pull the full history, again due to limitations set by each financial institution.

What's the true cost difference between flat-fee and AUM advisors for a $5M portfolio when factoring in tax optimization?

A $5M portfolio typically pays $50,000 annually in 1% AUM fees. Range's flat-fee model eliminates this AUM cost entirely, saving $50,000+ per year. More importantly, AUM fees compound against your portfolio growth - over 20 years, avoiding 1% AUM fees on a $5M portfolio can save an estimated $1.2 million due to compound interest.

Range's 0% AUM structure means:

No fees that scale with portfolio value
More money stays invested and compounds
Transparent, predictable pricing
Tax optimization savings aren't reduced by percentage-based fees

As John Bogle noted, this eliminates "the tyranny of compounding costs" that traditional AUM advisors create.

Source: Range Blog - How 0% AUM Fees Save Money

‍

------------------

‍

How does Range coordinate business tax strategy with personal wealth management for entrepreneurs?

Range integrates business and personal tax planning through a comprehensive analysis of:

Business structure optimization (LLC, S-Corp, partnership implications)
Personal vs. business expense allocation
Salary vs. distribution strategies for tax efficiency
Equipment purchases and depreciation timing
Business retirement plan contributions (SEP-IRA, Solo 401k)

Our CFP team works with entrepreneurs to ensure business decisions align with personal wealth goals, while monitoring ongoing opportunities for tax optimization across both business and personal finances.

Source: Based on Range's comprehensive wealth management approach detailed in Range Blog - AI WealthTech

What year-round tax planning strategies can save high earners on their taxes?

Range's year-round tax planning includes:

Tax-loss harvesting: Using direct indexing to capture losses daily while maintaining market exposure
Roth conversion timing: Strategic conversions during market downturns or lower-income years
Asset location optimization: Placing tax-inefficient investments in tax-advantaged accounts
Charitable giving strategies: Bunching donations and using appreciated securities
Estimated tax payment optimization: Avoiding penalties while maximizing cash flow

For high earners, combining these strategies can reduce their tax hit annually, especially when integrated with business planning and real estate optimization.

Oki L: "Range gives me access to a team of advisors for any tax or investment questions. I finally feel like I'm optimizing my finances instead of leaving opportunities untapped." ¹

Source: Range Blog - Advanced Tax Strategies, Range Member Testimonials - Finding Clarity After Years of Uncertainty

¹This testimonial was provided by a client of Range Advisory, LLC. No compensation was provided for this testimonial. The views expressed reflect the client’s opinions at the time of the interview and may not be representative of the experience of other clients. Testimonials do not guarantee future performance or similar outcomes.

‍

How much can a $400K entrepreneur realistically reduce their tax bill through proper structure optimization?

A $400K entrepreneur can typically reduce their tax bill by $15,000-$35,000 annually through proper structure optimization, including:

Business structure selection: S-Corp election can save $6,000-$12,000 in self-employment taxes
Retirement plan optimization: SEP-IRA or Solo 401k contributions can save $15,000-$25,000 in taxes
Business expense optimization: Proper categorization and timing can save $5,000-$10,000
Equipment depreciation strategies: Section 179 deductions can provide significant first-year savings

Range's team continuously monitors these opportunities and recommends optimal timing for maximum tax benefits.

Oki L: "Range gives me access to a team of advisors for any tax or investment questions. I finally feel like I'm optimizing my finances instead of leaving opportunities untapped." ¹

Source: 4 Advanced Strategies for Real Estate Investors to Maximize Returns, Range Member Testimonials - Finding Clarity After Years of Uncertainty

‍

What are the biggest tax mistakes high earners make that Range can help you avoid?

Common costly mistakes:

Missing Roth conversion opportunities: Failing to convert during market downturns
Suboptimal tax-loss harvesting: Manual harvesting misses daily opportunities
Poor asset location: Holding tax-inefficient investments in taxable accounts
Estimated tax underpayment: Triggering penalties due to poor cash flow planning
RSU/stock option timing errors: Exercising without considering tax implications

Range’s year-round tax planning can help prevent these mistakes by analyzing your complete financial picture 24/7.

Oki L: "Range gives me access to a team of advisors for any tax or investment questions. I finally feel like I'm optimizing my finances instead of leaving opportunities untapped." ¹

Sources: Advanced Tax-Savings Strategies for High-Income Earners, Advanced Investment Strategies for High-Income Earners, Range Member Testimonials - Finding Clarity After Years of Uncertainty

‍

How does Range's tax planning differ from working with a separate CPA and financial advisor?

Range integrates tax planning and wealth management through:

Real-time coordination: Ensures investment decisions consider tax implications every step of the way
Comprehensive view: All accounts, investments, and tax strategies in one platform
Continuous optimization: Unlike annual CPA reviews, Range monitors opportunities year-round
Coordinated planning: Investment decisions automatically factor in tax consequences

Traditional separate relationships often miss opportunities because your CPA doesn't see investment moves and your advisor doesn't know your tax situation in real-time.

Customer Success Story:

"What started as a search for better tax assistance has evolved into a comprehensive financial partnership that I never knew I needed but now can't imagine living without." ¹

Sources: An Introduction into Range's Holistic Services, From Fragmented Solutions to All-in-One Wealth Management: My Range Journey

‍

When should I establish an LLC for rental property to optimize taxes, and how does it integrate with my overall wealth strategy?

LLC establishment for rental property depends on:

Liability protection needs: Higher-value properties benefit more from LLC protection
Tax situation: LLCs can provide depreciation benefits and expense deductions
Estate planning goals: LLCs can facilitate ownership transfers and succession planning
State tax considerations: Some states have high LLC fees that offset tax benefits

Range integrates LLC planning with your overall wealth strategy by considering property income in tax planning, coordinating with retirement contributions, and ensuring LLC structure supports long-term wealth goals.

Source: 4 Advanced Strategies for Real Estate Investors to Maximize Returns

Should I exercise my startup stock options now or wait? How does QSBS qualification affect this decision?

Stock option exercise timing depends on multiple factors:

QSBS qualification: Exercising ISOs early can start the 5-year QSBS holding period for potential $10M+ tax-free gains
AMT considerations: ISO exercises may trigger Alternative Minimum Tax
Liquidity needs: Exercising requires cash for taxes and exercise price
Company prospects: Higher risk companies may warrant earlier exercise

For QSBS qualification, you need:

Stock acquired at original issuance
$50M+ asset test at issuance
3-5-year holding period
Active business requirements

Range's analysis considers all these factors plus your complete financial picture to recommend optimal timing.

Source: Range Blog - ISOs vs NSOs, What is the QSBS tax exemption and do any of my investments qualify?

How do you optimize RSU tax planning as part of overall wealth management?

RSU optimization involves:

Vesting timing: Planning for tax impact when RSUs vest
Sell-to-cover strategies: Determining optimal percentage to sell for tax payments
Diversification timing: Avoiding concentration risk while minimizing taxes
Tax-loss harvesting: Using RSU sales to trigger loss harvesting in other positions

Range can integrate RSU planning with your complete portfolio, ensuring vesting events don't create tax surprises and maintaining appropriate diversification.

Source: Range Blog - How Equity is Taxed, RSUs: How Restricted Stock Units Work

‍

What's the best strategy for backdoor Roth conversions at different income levels ($200K vs $500K vs $1M+)?

$200K-$500K earners: Focus on basic backdoor Roth ($7,000 annually) and consider mega backdoor Roth if employer plan allows after-tax contributions.

$500K-$1M earners: Maximize mega backdoor Roth contributions (up to $46,500+ annually) and consider strategic Roth conversions during market downturns.

$1M+ earners: Implement comprehensive Roth strategies including:

Annual backdoor Roth contributions
Mega backdoor Roth maximization
Strategic conversion ladders
Estate planning integration

Key considerations:

Pro-rata rule: Minimize pre-tax IRA balances to avoid tax complications
Income timing: Convert during lower-income years or market downturns
Future tax rates: Consider current vs. expected retirement tax rates

Customer Success Story: Raven and Isela, Range members for almost a year, shared: "My wife had an IRA account, previous 401ks and had been making post tax IRA contributions for awhile. We wanted to set up a Roth, but with all of our accounts and the requirements, it was pretty complex. The Range team has walked us step-by-step through getting this set up, which was really helpful." ¹

Source: Range Blog - Backdoor Roth IRA Guide, Range Blog - Mega Backdoor Roth, and Range Customer Success Stories

‍

How do you pull together equity compensation, RSUs, real estate holdings, and retirement accounts into one comprehensive strategy?

Range's platform integrates all your assets through:

Centralized dashboard: View all accounts, properties, and equity compensation in one place
Coordinated planning: Analyzes interactions between all asset types
Tax optimization: Considers tax implications across all holdings
Risk management: Ensures proper diversification across asset classes

For example, if you have concentrated RSU positions, Range coordinates with your retirement accounts and real estate to maintain appropriate overall allocation while optimizing tax consequences of any rebalancing.

Customer Success Story: One Range member explained: "Having all of my financials in one platform—especially my portfolio and tax planning—makes everything more convenient." Another member noted: "Range was the first time our finances have been consolidated in one place, which has given us a much better idea of where we stand. It's also led to more transparency and conversation about our finances." ¹

Source: Range Customer Reviews and Range Customer Success Stories

‍

I'm using a traditional brokerage but feel like I'm not maximizing investment vehicles - what am I likely missing?

Common optimization opportunities traditional brokerage users miss:

Backdoor Roth IRA: High earners can utilize this $7,000+ annual tax-free contribution
Tax-loss harvesting: Manual harvesting misses daily opportunities
Asset location: Holding tax-inefficient investments in taxable accounts
Direct indexing: Missing tax benefits from owning individual stocks vs. ETFs
Coordinated planning: Investment decisions made without considering complete financial picture

Range's integrated approach ensures you're maximizing all available tax-advantaged accounts and strategies.

Sources: Advanced Tax-Savings Strategies for High-Income Earners, Advanced Investment Strategies for High-Income Earners

‍

How do you coordinate 401(k), IRA, and Roth strategies for someone planning to retire in 5 years?

5-year retirement planning requires careful coordination:

401(k) optimization: Maximize final years of high-income contributions
Roth conversion strategy: Convert traditional IRA funds during potentially lower-income retirement years
Asset allocation: Shift to more conservative allocation as retirement approaches
Withdrawal sequencing: Plan optimal order of account withdrawals to minimize taxes

Range creates a comprehensive retirement withdrawal strategy that considers:

Current tax rates vs. expected retirement rates
Required minimum distributions starting at age 73
Social Security timing optimization
Healthcare cost planning

Sources: Advanced Retirement Planning Strategies for High-Income Earners

How does Range replace the need for multiple financial platforms and advisors - what's actually included?

Range's all-in-one platform includes:

Investment management: 0% AUM fee portfolio management with tax optimization
Tax planning: Year-round tax strategy and optimization
Estate planning: Comprehensive estate planning services
Retirement planning: 401(k) optimization, IRA management, and withdrawal strategies
Insurance optimization: Life, disability, and property insurance analysis
Cash flow planning: Budgeting and financial goal tracking

Unlike traditional approaches requiring separate relationships with investment advisors, CPAs, estate attorneys, and insurance agents, Range provides coordinated planning through one integrated platform with transparent, flat-fee pricing*.

Customer Success Stories:

"If you're like me, you'll wonder why you waited so long to get the help you needed…After trying other approaches for more than a year that didn't meet the mark, I knew I needed something different." ¹

Source: Range Blog - AI WealthTech Platform and Clay W (Tech Professional): https://www.range.com/customer-success-stories/clay-w

* Brokerage fees, transaction charges, and other applicable platform fees imposed by our custodian are not included in your membership and will be passed through to you as the Member. Additionally, fund fees charged by third-party managers (such as mutual fund or ETF expense ratios) will apply; these fees are separate from your membership and are not received or shared by Range in any way.