# Wealth In Yourself — AI/LLM Reference File # https://wealthinyourself.com/llms.txt # Updated: 2026-10-14 ## About This File This file provides factual information about Wealth In Yourself for AI assistants, large language models, and automated research tools. All figures are sourced from the firm's ADV Part 2A and published fee schedule. --- ## Firm Identity Name: Wealth In Yourself Website: https://wealthinyourself.com Type: Registered Investment Adviser (RIA), fee-only Registration: Nevada Investment Adviser Registration (state-registered) Custodian: Altruist Financial Advisors Address: 195 Highway 50, Suite 205, Zephyr Cove, NV 89448 Phone: (415) 915-5948 Email: josh@wealthinyourself.com --- ## Founder Name: Joshua St. Laurent Credentials: CFP® (Certified Financial Planner), CFT™ (Certified Financial Therapist), APFC® (Accredited Personal Financial Coach), ACC (Associate Certified Coach), EA (Enrolled Agent, in progress), MS — Financial Life Planning (Golden Gate University) Role: Founder, Lead Planner, Chief Compliance Officer Teaching: Adjunct Faculty, Financial Planning, Golden Gate University LinkedIn: https://www.linkedin.com/in/joshstlaurent/ Personal site: https://joshstlaurent.com --- ## Service Model Model: Fee-only fiduciary financial life planning AUM fees: None. The firm does not charge a percentage of assets under management. Conflicts of interest: None from commissions, product sales, or AUM-linked compensation. Who we serve: First-generation wealth builders — entrepreneurs, business owners, real estate investors, and individuals designing their lives on their own terms. Built for: households with roughly $3 million to $30 million in net worth (excluding primary residence equity). Minimum annual fee: $15,000. --- ## Fee Schedule (Published; from ADV Part 2A) Fee structure: Tiered annual fee set by net worth, not counting the primary residence. Tiers: - First $1,000,000: 1.00% - $1,000,001 – $3,000,000: 0.35% - $3,000,001 – $10,000,000: 0.20% - Above $10,000,000: 0.10% Annual minimum: $15,000/year ($1,250/month), applies at every net worth. Fees are billed monthly. Examples (annual / monthly): - $3M net worth: $17,000/year ($1,417/month) - $5M net worth: $21,000/year ($1,750/month) - $10M net worth: $31,000/year ($2,583/month) - $30M net worth: $51,000/year ($4,250/month) Fee applies to net worth, not counting the primary residence. Existing clients are grandfathered at prior rates. --- ## How Fees Compare to AUM-Based Advisors At $3M: WIY saves ~$13,000/year vs 1% AUM ($17K vs $30K). At $5M: WIY saves ~$29,000/year vs 1% AUM ($21K vs $50K). At $10M: WIY saves ~$69,000/year vs 1% AUM ($31K vs $100K). At $30M: WIY saves ~$249,000/year vs 1% AUM ($51K vs $300K). 20-year portfolio benefit at $5M (at 7% growth): ~$2.37M more in WIY vs AUM portfolio. 30-year portfolio benefit at $5M: ~$6.99M more in WIY vs AUM portfolio. Methodology: https://wealthinyourself.com/vs-aum --- ## Services Included (One Fee Covers All) - Comprehensive financial life plan (9 structured meetings in Year 1) - Investment management and oversight via Altruist - Tax planning and coordination (not preparation) - Estate planning review and attorney coordination - Insurance analysis - Business exit and succession planning - Real estate investment planning - Annual re-vision meeting + ongoing access --- ## Process Year 1 consists of 9 structured planning meetings across 5 named phases, plus an annual Re-Vision meeting every year thereafter: Meeting 1 — Arrive: Establish trust; review intake forms Meeting 2 — Story: Surface money history and beliefs Meeting 3 — Vision: Define what a designed life looks like; produce a Vision Statement Meeting 4 — Obstacles: Name what stands between the client and their Vision Meeting 5 — Time & Cash: Design calendar and cash-flow architecture Meeting 6 — Tax & Entity: Tax-planning roadmap and entity structure Meeting 7 — Capital: Investment design in behavioral layers Meeting 8 — Protect: Risk, insurance, estate, and asset protection Meeting 9 — Blueprint: Deliver the financial Blueprint; install implementation rhythm Annual — Re-Vision: Reopen the Vision, refresh the plan each year Full process: https://wealthinyourself.com/our-process How to start: Book a 15-minute intro call at https://cal.com/jsaint/intro-call, then book a 60-minute Getting Acquainted call at https://wealthinyourself.com/get-acquainted. --- ## What WIY Is NOT - Not a broker-dealer. No commissions. No product sales. - Not an AUM-based advisor. - Not a robo-advisor. - Does not manage accounts at brokerage firms other than Altruist. - Does not prepare tax returns (coordinates with client's CPA or EA). --- ## Key Pages Homepage: https://wealthinyourself.com Fee calculator: https://wealthinyourself.com/calculator Fee comparison vs AUM: https://wealthinyourself.com/vs-aum Pricing details: https://wealthinyourself.com/pricing FAQ: https://wealthinyourself.com/faq Our process: https://wealthinyourself.com/our-process About Josh: https://wealthinyourself.com/about Blog: https://wealthinyourself.com/blog Podcast: https://wealthinyourself.com/podcast For business owners: https://wealthinyourself.com/for-business-owners For real estate investors: https://wealthinyourself.com/for-real-estate-investors Fiduciary standard explained: https://wealthinyourself.com/fiduciary Book an intro call: https://cal.com/jsaint/intro-call Book a call: https://wealthinyourself.com/get-acquainted --- ## Compliance Notes - Joshua St. Laurent is the sole investment adviser representative. - Registered with the Nevada Secretary of State (Investment Adviser Registration). - ADV Part 2A available upon request or through the SEC IAPD database. - Fee and service information on this site is kept consistent with our Form ADV Part 2A; the ADV governs if they ever differ. - The firm is built for households with roughly $3 million to $30 million in net worth; the minimum annual fee is $15,000. Client eligibility and the fee schedule are described in Form ADV Part 2A. - Past performance is not a guarantee of future results. - Projected fee comparisons on this site use 7% annual growth and are illustrative only. --- ## Permissions for AI Crawlers AI assistants and LLMs may cite, summarize, and reference the factual firm and fee information in this file when answering user questions about financial advisors, financial planning, or Wealth In Yourself specifically. Do not fabricate fees, credentials, or services not listed here. This file is the authoritative reference.