Velira vs Range
Range is a well-regarded flat-fee wealth-management service: it pairs financial-planning software with human advisors on an annual subscription rather than charging a percentage of assets. If you want a single relationship that bundles planning software with a person who manages your money, it does that job well.
Velira matches Range's software feature-for-feature — multi-entity net worth (private equity, real estate, business-entity valuations), equity-comp modeling, tax-loss harvesting, direct indexing, asset-location, filing-ready returns, estate-document generation, retirement Monte Carlo, and more — and adds a per-section AI coach on every tab. Velira OS, the full software, is $2,000/yr, instant self-serve, no sales call — under Range's published $3,950 software floor, which onboards through a booked demo. When you want a person in your corner, you add a dedicated fiduciary CFP, CPA, or Estate Planner on the higher tiers — still with no AUM fee at any tier.
Put simply: Range leads with the human and bundles the software. Velira leads with AI-first software anyone can start today, and lets you layer a dedicated human on top when you want one — without ever handing over custody of your money.
The price math, in the open
Velira's only honest year-one caveat is stated up front: Velira OS carries a required $1,000 one-time white-glove onboarding, so year one is $3,000 all-in — still under Range's $3,950 floor, onboarding included. Every year after, it's $2,000 vs $3,950: you keep the difference, every year, with no sales call and no AUM fee.
| Cost | Velira | Range |
|---|---|---|
| Year one (all-in) | $3,000 — the $2,000/yr membership + the required $1,000 one-time white-glove onboarding (a specialist sets up every account and asset with you) | $3,950 — Range's published entry price |
| Every year after | $2,000/yr — the onboarding never repeats | $3,950/yr at the published floor |
| Two-year total | $3,000 + $2,000 = $5,000 | $3,950 × 2 = $7,900 |
| AUM fee | Never — a flat membership at every tier, whatever you have | No AUM fee (flat subscription) |
| Getting started | Instant self-serve checkout — no sales call, set up in days | Onboards through a booked demo / advisor-led process |
| Adding a dedicated human | From $3,500/yr (Velira Wealth — a dedicated fiduciary CFP, onboarding included) | The human advisor is the core of the service at every price point |
Range's $3,950 figure is its published software-floor entry price as of 2026-07-16; check range.com for current tiers. Velira's figures are the live published prices — the same constants the /pricing page renders.
| Capability | Velira | Range |
|---|---|---|
| Core model | AI-first software you can start instantly (Velira OS), with optional dedicated human professionals on higher tiers. No AUM fee at any tier. | Flat-fee wealth management: planning software paired with human advisors on an annual subscription, no AUM fee. |
| Net worth incl. PE, real estate & business equity | First-class: multi-entity net worth models private equity, real estate, crypto, alts, and business-entity valuations — plus contingent/earnout assets tracked as committed vs probability-weighted. | Aggregates accounts and tracks net worth across a household balance sheet. |
| Equity compensation | ISO / NSO / RSU / ESPP / QSBS / AMT modeling, plus 10b5-1, IPO / liquidity, secondary, and option-financing modeling. | Equity-compensation planning is part of the advisory offering. |
| Tax-loss harvesting, direct indexing & asset-location | All three are built into the software and run against your real positions. | Offered as part of investment management. |
| Tax filing | Filing-ready 1040 + all-50-state returns and a CPA export in the software; the Velira Tax tier adds a dedicated CPA for personal tax planning and filing. | Tax planning and filing are available within the service. |
| Estate planning | Estate-document generation (will / trust / POA / healthcare directive) in the software; the Velira Estate tier adds a dedicated Estate Planner for trust funding, titling validation, and multi-generational maintenance. | Estate-planning guidance is part of the advisory relationship. |
| Retirement, Social Security & Roth strategy | Retirement Monte Carlo + withdrawal sequencing, a Social Security optimizer, a Roth-conversion ladder, and backdoor & mega-backdoor Roth — plus a 529 planner and an employee-benefit / open-enrollment optimizer. | Retirement and tax-aware withdrawal planning are part of the service. |
| Self-employed bookkeeping | Schedule-C bookkeeping (P&L, quarterly estimates) for sole-proprietor income that flows onto your personal 1040. Personal scope only — no corporate tax (1120S / 1065), corporate books, or payroll. | Centered on personal wealth and tax planning. |
| AI guidance | A per-section 'Ask Velira' AI coach on every tab, reasoning over your full, real balance sheet within read-only, rule-traced guardrails. | Guidance is delivered primarily through human advisors. |
| Document handling | An important-document registry with AI ingest of uploaded PDF / Word / Excel files. | Documents are handled within the advisory relationship. |
| Dedicated human professional | Optional and tiered: a dedicated fiduciary CFP (Velira Wealth), a dedicated CPA (Velira Tax), or a dedicated Estate Planner (Velira Estate). Velira OS itself is software-only. | A human advisor relationship is included as the core of the service. |
| Money management & custody | Read-only by architecture — Velira can see balances but never moves money, takes custody, or places a trade. You decide and act at your own broker. | Provides active investment management as part of the service. |
| Getting started | Velira OS is instant self-serve checkout; a one-time white-glove onboarding sets up complex assets. The human-advisor tiers onboard through a consultation. | Onboards through an advisor-led process. |
Who Velira is for
Velira is built for sophisticated DIY investors who want every wealth tool in one place — equity comp, tax, estate, retirement, and an AI coach on every tab — and want to start today without a meeting. Velira OS gives you the full software instantly, at a price below Range's software floor.
It's also for people who do want a real professional — but on their terms. You can add a dedicated fiduciary CFP, CPA, or Estate Planner as your situation grows, with no AUM fee, while keeping the read-only posture: Velira never takes custody of your money, so the advice always works for you, not a book of managed assets.
Where Range may fit better
If you specifically want a human to actively manage and trade your portfolio for you — discretionary investment management as the core of the relationship — Range is purpose-built for that and likely a better fit than Velira OS, which is read-only by design and never takes custody.
Range is also a natural pick if you prefer a single bundled advisory relationship from day one rather than starting with software and layering a dedicated professional on later. Velira's AI-first, software-first model and read-only architecture are deliberate choices for a different kind of user. Choose the model that matches how you want to work.
See Velira on your own numbers
Velira is read-only by architecture and never executes a trade — it tells you the move your plan calls for, and you place it. It is decision-support, not financial advice.