---
title: How It Works | VIP Wealth Advisors Client Journey & Planning Process
description: Discover the VIP Wealth Advisors client journey — from discovery call to ongoing reviews. Our proven five-step planning process integrates tax filing, investment management, and unlimited access to your advisor for clarity and confidence.
image: https://vipwealthadvisors.com/hubfs/how-it-works.jpg
---

[![VIP Wealth Advisors](https://vipwealthadvisors.com/hs-fs/hubfs/VIP_WEALTH_ADVISORS_LOGO_WEB_334x80_WHITE.png?width=334&height=80&name=VIP_WEALTH_ADVISORS_LOGO_WEB_334x80_WHITE.png "VIP Wealth Advisors")](https://vipwealthadvisors.com?hsLang=en)

- [Services](https://vipwealthadvisors.com/services) 
    - [Financial Planning](https://vipwealthadvisors.com/financial-planning)
    - [Tax Planning](https://vipwealthadvisors.com/tax-planning)
    - [Investment Management](https://vipwealthadvisors.com/investment-management)
    - [Estate Planning](https://vipwealthadvisors.com/estate-planning)
    - [Stock Options](https://vipwealthadvisors.com/stock-option-exercise-strategies)
    - [Budgeting & Cash Flow Analysis](https://vipwealthadvisors.com/budgeting-cash-flow-analysis)
    - [Insurance Review & Recommendations](https://vipwealthadvisors.com/insurance-review)
    - [Retirement Planning](https://vipwealthadvisors.com/retirement-planning)
    - [Education Planning](https://vipwealthadvisors.com/education-planning)
    - [Cryptocurrency](https://vipwealthadvisors.com/cryptocurrency)
    - [Home Purchase & Income Properties](https://vipwealthadvisors.com/income-property-home-purchase)
    - [Hourly Support](https://vipwealthadvisors.com/hourly-support)
- [Pricing](https://vipwealthadvisors.com/pricing)
- [About](https://vipwealthadvisors.com/about) 
    - [How it Works](https://vipwealthadvisors.com/how-it-works)
    - [Investment Philosophy](https://vipwealthadvisors.com/insights/investment-strategy)
    - [Press](https://vipwealthadvisors.com/press)
    - [Professional Affiliations](https://vipwealthadvisors.com/professional-affiliations)
    - [Credentials](https://vipwealthadvisors.com/cfp-designations)
    - [What VIP Really Means](https://vipwealthadvisors.com/insights/story-behind-vip-wealth-advisors)
- [Insights](https://vipwealthadvisors.com/media-hub) 
    - [Articles](https://vipwealthadvisors.com/insights)
    - [Videos](https://www.youtube.com/@MarkThePrivateCFO)
- [Contact](https://vipwealthadvisors.com/contact)
- [Client Portal](https://vipwealthadvisors.com/client-portal)

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How it works

# Simple path, serious depth - a clear process for complex lives

We use a consistent five-step framework to turn complexity into clarity. Every meeting is documented, every task is tracked, and your plan is always live in your client portal. Unlimited access by video, text, or email keeps momentum high and surprises low.

[Book a discovery call](https://vipwealthadvisors.com/meeting?hsLang=en) [See pricing](https://vipwealthadvisors.com/pricing?hsLang=en)

## The VIP Planning Process

Discovery, Analysis, Recommendations, Implementation, and Monitoring.

1

### Discovery

We map both hard data and human context. RightCapital collects your financials. We clarify goals, values, equity comp, residency, and more in a virtual discovery meeting recorded with Fathom for transcripts and action items.

- Secure intake via RightCapital and custom forms
- Google Meet with Fathom-generated notes and to-dos
- Clear baseline for future decisions

2

### Analysis

We stress-test the full picture to find risks and opportunities across taxes, investments, cash flow, insurance, retirement, estate, and special situations like multi-state filing, real estate, and equity compensation.

- Tax return review and multi-year projections
- Allocation and risk exposure check
- Estate structure and titling review

3

### Recommendations

We present targeted, prioritized moves. You get a recap, a PDF summary, and a synced task list inside RightCapital.

4

### Implementation

We coordinate and track execution. Accepted, declined, or deferred items are logged, with follow ups baked into the schedule.

5

### Monitoring

Two formal reviews per year plus unlimited access. We update your plan, adjust strategy, and keep tasks current.

Unlimited access to your advisor

Video call, text, or email whenever you need clarity.

### Ongoing service calendar

Two formal reviews each year plus unlimited access for everything in between.

🌸

#### Spring Review

- Tax-aware rebalancing and cash needs
- Prior year return review and projections
- Update goals, plan data, and task list

🍂

#### Fall Review

- Year-end tax planning and deferral checks
- Funding schedules and open items
- Next-year priorities and implementation

🔔

#### Unlimited access

Video call, text, or email for quick decisions, coordination with outside pros, and timely updates.

 

## Your first weeks with VIP - the onboarding flow

This visual answers the big question clients ask on day one - what happens after I sign up and when. Save it, share it, and refer back during the first meetings.

Onboarding infographic

[Download PDF](https://vipwealthadvisors.com/hubfs/GUIDES/The-VIP-Planning-Process-And-Onboarding-Steps--.pdf?hsLang=en) [Open image](https://vipwealthadvisors.com/hubfs/GUIDES/CLIENT-JOURNEY-VIP-WEALTH-ADVISORS--.jpg?hsLang=en)

![VIP onboarding steps from Discovery Call to meetings and ongoing service calendar](https://vipwealthadvisors.com/hubfs/GUIDES/CLIENT-JOURNEY-VIP-WEALTH-ADVISORS--.jpg)

VIP onboarding sequence at a glance.

 

### Live client portal

Financials, tasks, and plan updates live in RightCapital. Investments are custodied at Altruist or Schwab with modern dashboards and clear reporting.

### Meeting documentation

Fathom generates transcripts, key insights, and an action list for every meeting so nothing slips through the cracks.

 

## Frequently Asked Questions

How much time should I expect to spend during onboarding?

Plan for two to three meetings in the first month, plus a bit of portal setup time. The onboarding infographic shows the typical sequence and timing.

Do you handle tax preparation or just planning?

We offer both. VIP Wealth Advisors offers in-house tax filing, so strategy and execution stay aligned. We review your return, project forward, and file directly — all under one roof (for clients subscribed to tax filing services).

What technology will I use to interact with my plan?

RightCapital is your live financial portal for tasks and plan updates. Altruist or Schwab provide investment dashboards, and Fathom documents every meeting with transcripts and action items.

How often will we meet once I’m fully onboarded?

At least two formal reviews each year — one in spring and one in fall — plus unlimited access to us by video, text, or email whenever decisions come up.

What areas of planning are covered?

We cover goals, cash flow, income taxes, insurance, investments, retirement, estate planning, and special situations like equity compensation, real estate holdings, or multi-state residency.

Are you a registered investment advisor?

Yes - VIP Wealth Advisors is a U.S. Securities and Exchange Commission (SEC) registered investment adviser and operates as a fee-only fiduciary, meaning we are legally obligated to act in your best interest.

[![VIP Wealth Advisors](https://vipwealthadvisors.com/hubfs/VIP_WEALTH_ADVISORS_LOGO_WEB_334x80_WHITE.png)](https://vipwealthadvisors.com/?hsLang=en)

Flat, transparent fees (0% AUM). Integrated planning, tax, and investing— built for high-income, high-complexity households.

[in](https://www.linkedin.com/in/markstancato/) [▶](https://www.youtube.com/@MarkThePrivateCFO) <https://www.tiktok.com/@marktheprivatecfo>

### Explore

- [Pricing](https://vipwealthadvisors.com/pricing?hsLang=en)
- [Services](https://vipwealthadvisors.com/services?hsLang=en)
- [Book a Call](https://vipwealthadvisors.com/meeting?hsLang=en)
- [About VIP](https://vipwealthadvisors.com/about?hsLang=en)
- [Credentials](https://vipwealthadvisors.com/cfp-designations?hsLang=en)
- [Insights](https://vipwealthadvisors.com/insights?hsLang=en)

### Services

- [Financial Planning](https://vipwealthadvisors.com/financial-planning?hsLang=en)
- [Tax Filing & Projections](https://vipwealthadvisors.com/tax-planning?hsLang=en)
- [Investment Management (0% AUM)](https://vipwealthadvisors.com/investment-management?hsLang=en)
- [Equity Compensation](https://vipwealthadvisors.com/stock-option-exercise-strategies?hsLang=en)
- [Retirement & FI Planning](https://vipwealthadvisors.com/retirement-planning?hsLang=en)
- [Cryptocurrency](https://vipwealthadvisors.com/cryptocurrency?hsLang=en)

### Contact

VIP Wealth Advisors  
[(917) 319-8281](tel:+19173198281)  
[planning@vipwealthadvisors.com](mailto:planning@vipwealthadvisors.com)

[Book a Call](https://vipwealthadvisors.com/meeting?hsLang=en)

- [Form ADV](https://vipwealthadvisors.com/hubfs/ADV/VIP_ADV_Part_2A_2B_01-19-2026.pdf?hsLang=en)
- [Privacy Policy](https://vipwealthadvisors.com/privacy-policy?hsLang=en)
- [Disclosures](https://vipwealthadvisors.com/disclosures?hsLang=en)

VIP Wealth Advisors is a U.S. Securities and Exchange Commission (SEC) registered investment adviser providing fiduciary, fee-only financial planning and investment management to high-net-worth individuals and families nationwide. Information on this site is for educational purposes only and should not be construed as investment, tax, or legal advice. Past performance is not indicative of future results.

©  VIP Wealth Advisors. All rights reserved.

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[![Financial Planning Association](https://vipwealthadvisors.com/hs-fs/hubfs/FPA-logo.png?width=189&height=100&name=FPA-logo.png "Financial Planning Association")](https://vipwealthadvisors.com/professional-affiliations?hsLang=en)

[![XY Planning Network](https://vipwealthadvisors.com/hs-fs/hubfs/XY_Planning_Network.png?width=189&height=100&name=XY_Planning_Network.png "XY Planning Network")](https://vipwealthadvisors.com/professional-affiliations?hsLang=en)

[![NAPFA National Association of Personal Financial Advisors](https://vipwealthadvisors.com/hs-fs/hubfs/NAPFA.png?width=189&height=100&name=NAPFA.png "NAPFA National Association of Personal Financial Advisors")](https://vipwealthadvisors.com/professional-affiliations?hsLang=en)

[![Fee Only Network Member](https://vipwealthadvisors.com/hs-fs/hubfs/Fee-Only-Network-3.png?width=189&height=100&name=Fee-Only-Network-3.png "Fee Only Network Member")](https://vipwealthadvisors.com/professional-affiliations?hsLang=en)

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