Frequently Asked
Your Questions, Answered
Straight answers to the questions Americans ask us most. No jargon, no hedging.
Are Wealth Capital Progress advisors fiduciaries?
Yes — 100% of our financial advisors are held to the fiduciary standard under the Investment Advisers Act of 1940. This means we are legally obligated to put your interests ahead of our own. We do not earn commissions on product sales; our compensation comes from transparent advisory fees disclosed in writing before engagement.
What is the minimum investment to get started?
Our managed investment portfolios require a $5,000 minimum to open. Wealth Management engagement requires $500,000 in investable assets. Loan and insurance services have no minimum — many of our long-term clients started with a $0 consultation and built their plan from there.
How quickly can I get approved for a loan?
Pre-qualification takes 60 seconds and does not impact your credit score. Personal loans can fund in as little as 24 hours. Auto loans typically close same-day. Mortgages average 21–30 days from application to closing, with our fastest close on record at 14 days.
Which states do you serve?
Wealth Capital Progress is licensed and operating across all 50 U.S. states plus Washington D.C. and Puerto Rico. Whether you're in Clovis, New Mexico or Manhattan, New York — you receive the same fiduciary standard, the same advisor quality, and the same institutional access.
What makes your insurance different from a regular broker?
Three things: (1) We audit your existing coverage first — most clients are under-insured in one area and over-paying in another. (2) We only work with A.M. Best A+ rated carriers, never B-tier. (3) We review your policies annually at no charge, because life changes and your coverage should too.
Do you charge for the initial consultation?
Never. Your first 30-minute strategy call is complimentary, with no obligation to engage any service. We use this call to understand your goals, surface any obvious gaps, and tell you honestly whether we can help — or whether you'd be better served elsewhere.
How is my personal and financial data protected?
All data is encrypted in transit and at rest using 256-bit AES — the same standard used by major U.S. banks. We are SOC 2 Type II certified, conduct quarterly penetration testing, and never sell client data to third parties. Two-factor authentication is mandatory on all advisor accounts.
Can I switch advisors if I'm not satisfied?
Absolutely. Client satisfaction is non-negotiable. If you ever feel your advisor isn't the right fit, contact our Client Experience team and we'll reassign you within 48 hours — no questions asked, no impact on your service, no fees. We retain 98% of our clients because we earn it every year.