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 PLANNERä (CFPÒ) 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.
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®).
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!
Life Relevant Financial Advice
My objective as your Wealthcare advisor is to inspire and guide you toward pursuing the life of your dreams. I will help you explore your highest aspirations and imagine the life you may have never thought possible before. And together, we’ll create your personal “Financial Strategies” plan.
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Client Relationship Summary.
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.
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.
MOST IMPORTANTLY, THE WEALTHCARE PROCESS IS YOU- DRIVEN. NOT MARKET DRIVEN. IT’S POWERFULLY SIMPLE. IT’S REFRESHINGLY CLEAR.
And it all STARTS WITH A GREAT CONVERSATION
A conversation that helps you to visualize your most important life goals
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. I 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. I 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 I 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%
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This chart is for illustrative purposes only.
Stay on Course
The Wealthcare process is YOU-driven, not market-driven. As your circumstances, goals and priorities change, I will work with you to make appropriate adjustments. Whatever life events come your way — from expanding your family to buying a vacation home — I will monitor and measure each event against its financial impact on your plan.