Specialties
Wellspent encodes advisor expertise against a structured specialty taxonomy. Advisors' canonical records include only specialties where their practice demonstrates depth — not marketing claims.
All specialties
Sorted by depth in the graph. Specialties without direct matches show their closest adjacent depth, marked via related.
Retirement planning
Income, withdrawal strategy, Social Security, and sequence risk.
Small business owners
Owner-operator planning across the business and household balance sheet.
Family wealth transfer
Multi-generational planning, governance, and the long handoff.
Equity compensation
RSUs, ISOs, NSOs, ESPP, 83(b), and concentrated stock strategy.
Pension planning
Federal, military, and corporate pension elections and integration.
Real estate investors
1031 exchanges, depreciation, and the full investor stack.
Sustainable & impact investing
ESG, mission-aligned, and impact portfolios with real depth.
Crypto & digital assets
Tax, custody, and planning for advisors who actually understand the space.
Founders (pre-exit)
Pre-IPO and M&A planning for founders and early employees.
Retirement with concentrated positions
Drawing down income when most of your net worth is one stock.
Tax planning
Multi-year tax strategy, not just April filing.
Cross-border (US / Canada)
Dual-citizen, moving, or working across the US–Canada border.
Physicians & residents
The long training runway, malpractice, PSLF, and late-career catchup.
Flat-fee planning
Comprehensive planning at a fixed, annual price.
Estate & legacy planning
Trusts, gifting, and multi-generational coordination with legal counsel.
Divorce financial planning
Cash flow, asset division, and post-divorce re-planning.
Student loans
PSLF, IDR, refinancing, and high-debt early-career planning.
Audiences
Parallel to specialties, advisor records are linked to the client audiences they serve. Sorted by depth in the graph.
High earners
High-income households focused on tax coordination and long-horizon planning.
Founders
Pre-exit, post-exit, and early-stage company founders.
Pre-retirees
Five to ten years out, planning the runway.
Early-career professionals
Young high earners building foundations with significant debt.
Executives
Senior leaders with large compensation and equity packages.
Retirees
In retirement, actively drawing from the plan.
Ultra high net worth
Households with $30M+ in investable assets and complex balance sheets.
Multi-generational families
Households where two or three generations share a financial plan.
Real estate investors
Landlords, syndicators, and concentrated real-estate holders.
Cross-border families
Households with ties to more than one country — usually US / Canada.
Divorced individuals
Post-divorce re-planning, often after a long shared financial life.
Tech employees
Engineers, PMs, and early employees with equity-heavy pay.
Physicians
Residents, fellows, attendings, and practice owners.
Newcomers (immigration)
Newly arrived in the US or Canada, building financial foundations.
Canadians in the US
Canadian citizens or residents living or working in the US.
Mid-life transitions
Divorce, remarriage, inheritance, second-act careers.
HENRY (High Earners, Not Rich Yet)
Mid-career professionals with high income and small net worth.