Approach
Serving clients nationwide
Optimize your financial and investment strategies with Wealth IQ’s modern, technology-driven approach—providing smarter, personalized solutions for all your financial needs.
Every Financial Story Is Unique - Let’s Chart Yours
Your financial journey goes beyond numbers—it’s shaped by your mindset, experiences, and aspirations. At Wealth IQ, we adopt a holistic approach that recognizes how emotions and habits influence financial decisions. By combining these insights with our technical expertise, we craft personalized solutions that empower individuals and business owners to make informed, confident choices.
Holistic Financial Planning
Our Comprehensive and holistic approach helps you design a financial roadmap that balances your life aspirations with your financial needs.
Investment Management
Portfolio Management tailored to your needs— choose either a fully managed, comprehensive solution or a DIY-friendly approach with expert guidance.
Canada/US Cross Border Planning
For Canadians living in or moving to the U.S., we help you consolidate and navigate your finances across borders, ensuring seamless transitions, optimized tax strategies, and a cohesive global plan.
Specialized Consultations
When you need an expert perspective, our on-demand consultations offer tailored financial insights—whether you’re seeking a second opinion on your plan or customized strategies for your business.
Affiliations:
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Planning-Centric Guidance
Your financial journey is unique, and so is our approach. We place meticulous financial planning at the core of every strategy, ensuring your plan is tailored to your goals, not a one-size-fits-all solution.
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Unwavering Fiduciary Commitment
Transparency matters. Our fee-only structure means no commissions, no hidden referral fees—just unbiased, client-first advice focused solely on your success.
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Expert Collaboration, No Barriers
No asset minimums. No exclusivity. We act as your financial quarterback, seamlessly coordinating with tax and legal professionals to ensure a holistic, well-integrated financial plan.
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Guided by Behavioral Finance
Investing isn’t just about numbers—it’s about mindset and discipline. By incorporating behavioral finance principles, we help you stay on track, avoid emotional decision-making, and build lasting financial confidence.
Our Process
A Comprehensive, Client-Focused Approach to Financial Success—From In-Depth Analysis to Tailored Strategies That Help You Achieve Your Goals
Introductory Meeting
Connect, discuss your financial background and priorities, and finalize our partnership.
Data Collection & Integration
Securely gather your financial information and integrate it into our planning software for a complete view.
Regular Reviews & Strategic Guidance
Engage in regular deep dives covering various Financial Planning / Investment Management/Cross-Border topics.
Receive actionable recommendations and set clear short- and long-term priorities.
Engagement Closure & Transition
At the end of our term, choose to continue our partnership or confidently take over your Financial Plan.
Our Services
Transform Your Financial Journey with Wealth IQ
We offer Financial Planning, Investment Management, and Cross-Border advisory, to help you align wealth with the life you want. Explore the options below to find the right fit—if you're a DIY investor, check out that option under Investment Management.
Financial Planning
Financial planning is not a one-time event—it’s an evolving process that adapts as your life changes. At Wealth IQ, we integrate every aspect of your financial life into a cohesive, dynamic plan. Our process typically covers the following
Global Net Worth Review
Cashflow & Savings Analysis
Money Psychology Insights
Tax Planning & Optimization
Combining Finances as a Couple
Education Funding Solutions
Investment Management Review
Estate Planning & Legacy
Retirement & Sabbatical Planning
Insurance & Risk Management
Equity Compensation Optimization
Employer Benefits Maximization
$3.5K
- Starting from $3,500 for a 12-month engagement, Fees vary based on plan complexity
Investment Management
Lean on us to build an investment strategy that reflects your risk tolerance, time horizon, and goals using time-tested strategies.
Choose between Comprehensive Investment Management or DIY Investor Support.
Comprehensive Investment Management
Full-service portfolio oversight.
Services include:
Investment Accounts Review
Risk Tolerance Assessment
Investment Policy Statement
Asset Allocation & Model Portfolio
Portfolio Execution, Monitoring & Rebalancing
Tax-efficient Diversification & Tax-loss harvesting
AUM based:
$0 - $1,000,000
0.65%
$1,000,001 - $5,000,000
0.65%
$5,000,001 - $10,000,000
0.45%
$10,000,001 +
0.45%
DIY Investor Support
Lean on us to build an investment strategy that reflects your risk tolerance, time horizon, and goals using time-tested strategies.
We educate, you execute.
Investment Accounts Review
Risk Tolerance Assessment
Investment Policy Statement
Asset Allocation & Model Portfolio
Portfolio Execution, Monitoring & Rebalancing
Tax-efficient Diversification & Tax-loss harvesting
Pricing: Starting from $1,500 per engagement depending on level of complexity and number of investment accounts.
Cross-border advisory
We understand the complexities of managing a life split between the U.S. and Canada. Our process typically covers these cross-border areas:
US & Canada Net Worth
Cross-border tax planning & strategy
Cross-border Investment Strategy including Retirement Accounts
Transition Planning
Education Planning
Cross-border Insurance strategy
Estate Planning
Retirement & Sabbaticals
Employer Benefits
Money Psychology
$6K+
- Starting at $6,000 for a 12-month engagement,
Fees vary based on plan complexity
Specialized Consultations
Get advice on specific financial topics. Our services include:
Financial Advisor / Plan Evaluations: – Get a second opinion on your current financial strategy
Business Owners & Entrepreneurs – Strategic planning, tax efficiency, and cash flow optimization.
Insights
Empowering You With Trusted Insights
Discover practical tips, expert analysis, and real-world strategies to help you make confident decisions, protect your hard-earned wealth, and achieve the financial future you envision.
Financial strategies for Canadians moving to the U.S.
So, you’re making the big move from Canada to the U.S.—exciting! Learn More...
Cashflow mastery: The ultimate hack to financial freedom
Ever wonder where your money disappears each month? Learn More...
Our investment philosophy: a smarter approach to wealth building
Investing can often feel like trying to predict the future. Learn More...
FAQs
Guided by Expertise, Driven by Success
Why do I need a Financial Planner?
While you can learn a lot about personal finance on your own, the sheer volume of available information can be overwhelming—and not all of it applies to your unique situation. At Wealth IQ, we simplify complex financial topics and focus on what matters most to you. A professional financial planner can help you when you:
- Lack the time or expertise to craft and manage a comprehensive financial plan or investment strategy.
- Feel overwhelmed by financial information and uncertain how it applies to your life.
- Are new to the U.S. and still learning the ins and outs of the American financial system.
- Need a trusted accountability partner to help you stick to your financial goals.
- Experience stress or procrastination when managing your finances.
- Would appreciate a second opinion on your financial strategy.
What makes Wealth IQ different from traditional Wealth Management firms?
We offer a boutique, hyper-personalized approach to financial planning. Here’s what sets us apart:
- No Asset Minimums: We believe financial planning should be accessible to everyone.
- Fee-Only Service: Our advice is independent—we never receive commissions, sell products, or earn referral fees.
- Behavioral Finance: We understand that money is personal. Our planning integrates behavioral insights to support you in making decisions that align with your goals.
- Innovative Tools: We use cutting-edge technology to enhance our financial planning process, ensuring you have a clear, comprehensive strategy.
What makes a Financial Planning engagement more complicated?
Every financial situation is unique. Factors that may add complexity to your plan include:
- Planning for a family versus planning for an individual.
- Being a business owner.
- Owning financial assets or having obligations outside the United States.
- Managing multiple banking or investment accounts.
- Being in a higher income tax bracket.
- Owning real estate properties.
I need Financial Planning, but I cannot afford to pay for your services. What should I do?
Thanks to technology, Financial Planning & Wealth Management is lot more accessible and affordable than it used to be. However, it can still fill out of reach for many. It is a complicated industry. If you KNOW you need financial planning, are willing to put in your own time and DO-IT yourself, but you simply know you cannot afford it. I want to help you; I will gladly spend an hour with you to give you some direction. Book time with me here
Meet our Founder
Aditi Kapadia is a seasoned finance professional with over 17 years of experience in Wealth Management and Financial Services. Her father’s early lessons in disciplined financial management enabled her to witness firsthand how thoughtful financial planning can help families weather life’s storms—an experience that inspired her mission to make such guidance accessible and empowering. Before founding Wealth IQ, she led the development of a digital investing platform at a leading bank and collaborated with Financial Advisors to craft tailored investment strategies.
Her career began at General Electric, where she worked with C-suite executives to drive growth and manage financial risks. Aditi holds an MBA from the University of Chicago Booth School of Business and is both a Chartered Financial Analyst (CFA) and Certified Financial Planner (CFP). Raised in Canada and Saudi Arabia with Indian roots, she brings a global perspective to Wealth IQ, which she founded to simplify financial planning for individuals with dynamic lifestyles, including digital nomads and those managing cross-border finances.
Tool
Our Technology Team
Our robust technology stack enables us to remain nimble while providing a solid client experience.
