Wealthcare For Life

Wealthcare Advisors

About Our Advisors


Gary Wirwille, CFP®, RPA™

Gary Wirwille is a vice president and financial advisor based in Richmond, Virginia. He has been with Wealthcare Capital Management for over 14 years and in the financial services industry for over 30. Gary provides comprehensive goals-driven financial planning and investment advice to individuals and families. He believes clients can maximize their wealth and extend their portfolio longevity by controlling risk and taxes. It is his goal to help his clients worry less and enjoy life more!

Gary obtained his bachelor’s degree from Virginia Tech, his Retirement Plans Associate’s designation from the Wharton School of Business at the University of Pennsylvania, and he earned his CERTIFIED FINANCIAL PLANNER (CFP®) designation in 2017.

Gary and his wife, Julia, enjoy spending time with their family, which now includes six grandchildren!  If he is not participating in family activities, you will likely catch him on the golf course or fly fishing.

Contact Gary at (804) 521-3432 or gwirwille@wealthcarecapital.com


Bill Cox, MBA, CFP®, CLU®, ChFC®, RICP®

Bill is a financial advisor with Wealthcare Capital Management based in Richmond, VA.  He has over 30 years of experience helping clients improve their financial well-being.  Bill provides comprehensive goals-based financial planning and investment advice. He guides each client through Wealthcare’ s patented process that seeks to optimize all aspects of wealth management.  Bill’s passion is to see you reach your personal life goals, not just some arbitrary rate of return.

He earned his MBA from the University of Richmond and his BS from VCU. Bill’s industry designations include the CERTIFIED FINANCIAL PLANNER (CFP®), Chartered Life Underwriter® (CLU®), Chartered Financial Consultant® (ChFC®), and Retirement Income Certified Professional (RICP®).

Contact Bill at (804) 387-6678 or bcox@wealthcarecapital.com


Philip Carter, CPA 

Philip Carter is a financial advisor with Wealthcare Capital Management based in Richmond, Virginia.

Philip was born and raised in Fredericksburg, Virginia, before attending the University of Virginia, where he gained exposure to finance through studies in economics.  After graduation, Philip moved to Richmond to begin his career in the financial services industry, advising individual and small business clients on personal finance, banking, and lending practices.  In 2015, Philip transitioned his practice to corporate accounting and finance, serving private and public companies, and soon became licensed in Virginia as a Certified Public Accountant.

Philip’s prior experience in the financial services industry and his knowledge of accounting, taxation, and finance enable him to become a trusted advisor to his clients.  He is determined to make a difference in people’s lives by helping clients invest wisely, plan for retirement, save for college, and make prudent financial decisions.

Philip enjoys spending his free time with his wife and two young children, working on his golf game, and cheering on UVA athletics!

Contact Philip at (804) 525-9716 or pcarter@wealthcarecapital.com


  Wealthcare For Life

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Client Relationship Summary.

Why Wealthcare?

Established in 1999, Wealthcare Capital Management (Wealthcare) is a very different kind of a financial advisory firm. We pioneered a new way of providing financial life guidance, using Goals-Based Wealth Management. The cornerstone of our patented goals-based investing process is quite simply to help our clients, above all else, to make the most of their life.

We accomplish this by helping you understand and identify your most important life goals. And then we align your investments with those goals. Our process guides you through the myriad of changes in your life that will invariably require financial decisions. This is what we refer to as Financial Guidance for Life.

At Wealthcare, we measure our success in our clients’ fulfillment — one client at a time.

With our goals-driven investing approach, you will:

  • Have your personal goals in complete alignment with your investments.
  • Always know where you stand and we’ll present your progress reports in “plain” English.
  • Have confidence in your ability to reach your goals, independent of market fluctuations and changing life circumstances.

Financial Planners
GDX360 Wheel
GDX360 Logo

Our Process

Wealthcare’s patented process is designed to help you reach your life goals, while minimizing unnecessary investment risk or needlessly sacrificing your life now.

Our process is dynamic and continual, as is life, and it will guide you through the entirety of your financial life.



A conversation that helps you to visualize your most important life goals

Dream Big

Dream Big

Do you like to travel? How will you pay for your children’s education? What exactly does “comfortable” retirement look like to you? You’ll cover these topics — and more — during our initial conversation.

We’ll use this conversation as a launching pad for creating your financial life plan. My objective as your Wealthcare advisor is to inspire and guide you toward pursuing the life of your dreams. We will help you define your life goals, and most importantly, will guide you toward achieving them.

But this is just a beginning. Wealthcare’s financial plan is not a “set it and forget it” tool. It’s a dynamic financial guidance system that evolves as your circumstances and financial markets change. We will continually monitor your plan against your changing life events and your investment portfolio, keeping the two in sync. Our software runs sophisticated market simulations, designed to monitor, measure and track your progress and report back to you with clarity.

Your Comfort Zone®

You will have confidence in your financial life plan because we will be constantly performing analytics in an effort to ensure your success. At Wealthcare, we call this being in the Comfort Zone. The Comfort Zone measures the probability of reaching your financial goals. And it also alerts you if you veer off course.

John & Ann's Confidence Level is 85%


Comfort Zone®


  • $1,000,000
  • $800,000
  • $600,000
  • $400,000
  • $200,000

Net Worth $

Click on a goal to see more

This chart is for illustrative purposes only.

Comfort Zone Example Chart

Stay on Course

The Wealthcare process is YOU-driven, not market-driven. As your circumstances, goals and priorities change, we will work with you to make appropriate adjustments. Whatever life events come your way — from expanding your family to buying a vacation home — we will monitor and measure each event against its financial impact on your plan.

Stay on Course
Enjoy a Fulfilling Life Now

Enjoy a Fulfilling Life Now

At Wealthcare, we don’t believe you should make unnecessary sacrifices in life, or take unnecessary risk.

What if you could: Spend more. Save less. Retire earlier. Or take less investment risk?

With the Wealthcare advising process we can explore these possibilities. When your plan is inside the Comfort Zone, you can be confident you will arrive at your desired financial destination. Our singular purpose is to help you make the most of your life.

  • The Wealthcare process addresses your financial needs AND your dreams
  • It shows how to make smart trade-offs among your different and often competing priorities
  • It helps you achieve a unique personal balance

Learn More About Wealthcare

What's Wealthcare?

Discover what you can expect from the Wealthcare process.

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Life + Investing

Living well...investing well... In the Wealthcare process, it’s all one and the same.

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It All Starts with a Great Conversation

A conversation that helps you visualize your most important goals and helps your advisor create a life plan for achieving those goals.

Learn More

What is Comfort Zone?

Central to the Wealthcare GDX360 process is the Comfort Zone®, produced by our patented financial planning technology.

Learn More


Ready to start the conversation? Contact us at 804-548-4899 to schedule an appointment.

Wealthcare For Life
Two James Center
1021 East Cary Street
Suite 702
Richmond, VA 23219

Phone: 804-548-4899
Email: wealthcare4life@wealthcarecapital.com

Strategic Partnerships

Wealthcare Advisory Partners LLC (WCAP) has developed strategic relationships with several firms in order to provide a full investment management experience for our advisors and clients. The key firms in our investment process and their relationship with WCAP are described below:

LPL Financial


LPL Financial LLC (LPL) is a FINRA-regulated full-service broker-dealer which provides brokerage services to WCAP advisors. Most of WCAP's advisors are also securities registered with LPL. LPL offers a full range of securities products and services, as well as insurance products and services which are made available to WCAP clients through our common financial advisors.

LPL also provides custody and clearing for WCAP's Advisory accounts.

Wealthcare Capital Management

Wealthcare Capital Management LLC (WCM) is contractually engaged by WCAP to provide financial planning, discretionary investment management and non-discretionary advisory services to WCAP clients. The financial planning process WCAP uses was developed by WCM, and WCM manages and runs the planning department and technology that WCAP uses today.

WCM is an Investment Advisory firm registered with the Securities and Exchange Commission and manages over $1.3 Billion.

WCM also provides WCAP administrative, corporate financial, accounting and legal services under contract to WCAP to facilitate the running of WCAP's business.

While WCM and WCAP have some common corporate management and staff, they are separate and distinct legal entities with their own ownership structure.

WCAP and WCM are Investment Advisors registered with the Securities and Exchange Commission. Securities offered through LPL Financial, Member FINRA/SIPC.

LPL is not otherwise affiliated with WCAP or WCM. There is no common control or ownership, and LPL is a separate legal entity.