Wealth Factory Alternatives: Financial Coaching Options for Entrepreneurs in 2026

Wealth Factory is a financial coaching company that's been serving entrepreneurs since the mid 2010s. But if you're researching alternatives—whether due to pricing concerns, mixed reviews, or simply wanting to explore options—this guide covers the landscape of financial education and coaching for high-income business owners.

Last reviewed: January 19, 2026.

What is Wealth Factory?

Wealth Factory positions itself as a financial education and coaching company for entrepreneurs and high-income professionals. Their "Wealth Architecture" program combines training, coaching, and access to licensed professionals to help clients implement financial strategies.

What they offer:

• Financial coaching
• Life insurance product education
• Cash flow optimization strategies
• Access to licensed professionals (insurance, tax, legal)
• Group coaching calls

What we know about pricing: Wealth Factory doesn't publish pricing publicly. You'll need to schedule a consultation to get specific costs. Based on reviews, it appears to be a significant investment with multiple tiers.

Why people look for alternatives

Based on public reviews and forums, here's why entrepreneurs explore alternatives to Wealth Factory:

Mixed customer experiences

Wealth Factory has a 4.4-star rating on Birdeye with 141 reviews, but feedback is polarized. Some customers report significant value—one Trustpilot reviewer mentioned saving thousands monthly and getting help with estate planning and tax strategies. Others report frustration—another reviewer noted being a member for 6 weeks with "yet to result in any real tangible benefit."

Organizational changes

Employee reviews on Indeed and Glassdoor (as of 2025) suggest internal challenges following leadership changes. Reviews mention "decline in revenue" and cultural shifts. While internal dynamics don't always affect customer experience, they can impact service quality and coach retention.

Insurance-focused approach

Some reviews suggest the program has become more focused on life insurance product recommendations. This isn't inherently negative, as properly structured insurance can be valuable for entrepreneurs if they're not just stacked for agency commissions, but it's worth understanding if your primary need is broader financial strategy, and it may be worth noting that Wealth Factory's current CEO owns his own life insurance agency, which may or may not influence the program's focus.

Pricing opacity

The consultation-based sales model makes it difficult to compare value before committing. Some entrepreneurs prefer transparent pricing they can evaluate independently.

Top Wealth Factory alternatives

1. Multiplier (Garrett Gunderson) — Best for high-earning entrepreneurs

Target audience: Business owners earning $350k+ annually

What it is: Multiplier is an invite-only financial coaching community founded by Garrett Gunderson, one of Wealth Factory's original founders. The program combines mentoring, coaching, and access to financial professionals with a vetted community of business owners.

What's included:

• 1-to-1 Results Facilitator for personalized guidance
• Access to attorneys, accountants, tax strategists, and risk managers
• Community of vetted business owners
• X1 Wealth Labs integration for financial tracking and analysis
• Regular coaching calls and content

Key differentiator: Multiplier focuses on "economic independence"—building cash flow and assets that support your lifestyle without requiring you to work. The integration with X1 Wealth Lab provides ongoing financial visibility between coaching sessions.

How to join: Application-based. Visit garrettgunderson.com to apply.

Best for: Established entrepreneurs who want high-touch coaching with a proven framework and community accountability.

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2. X1 Wealth — Best for DIY strategists who want technology support

Target audience: High-income professionals and entrepreneurs ($250k-$2M income, $1M+ net worth)

What it is: X1 Wealth isn't a coaching program—it's a technology platform that provides family-office-quality planning tools without the $25M minimums or ongoing coaching fees.

What's included:

• Pulse: Real-time financial dashboard aggregating all accounts
• Vault: Secure document storage with AI analysis
• Play Builder: Personalized wealth strategies based on your situation
• Family Constitution: Values-based planning and governance tools
• Advisor Coordination: Single source of truth for your professional team

Key differentiator: X1 gives you the tools and insights without requiring ongoing coaching relationships. You can use X1 alongside a coach (like Multiplier) or independently if you prefer to work directly with your CPA, attorney, and financial advisor.

Pricing: $97/month

Best for: Self-directed entrepreneurs who want sophisticated financial tools and strategy recommendations without paying for coaching they don't need.

See X1 Wealth features →

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3. Strategic Coach — Best for business growth focus

Target audience: Entrepreneurs earning $100k+ from their business

What it is: Dan Sullivan's Strategic Coach program focuses on entrepreneurial mindset and business growth rather than personal finance specifically. Many entrepreneurs find that business growth solves most financial problems.

What's included:

• Quarterly in-person workshops
• Thinking tools and frameworks
• Entrepreneur community
• Business strategy coaching

Key differentiator: Strategic Coach addresses the income side of the equation. If your financial challenges stem from business constraints rather than optimization needs, this might be more valuable than financial coaching.

Pricing: Starts around $7,500/quarter for the Signature Program.

Best for: Entrepreneurs who need to grow their business first, then optimize their finances.

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4. Fee-Only Financial Planners — Best for unbiased advice

Target audience: Anyone wanting objective financial guidance

What it is: Fee-only financial planners charge directly for advice rather than earning commissions on products. This removes conflicts of interest around insurance and investment recommendations.

How to find them:

• NAPFA: napfa.org (National Association of Personal Financial Advisors)
• Garrett Planning Network: garrettplanningnetwork.com (hourly planners)
• XYPN: xyplanningnetwork.com (fee-only planners for Gen X/Y)

Pricing: Typically $150-$400/hour for hourly planners, or 0.5%-1% of assets under management for ongoing relationships.

Key differentiator: No product sales agenda. You get advice, not a pipeline to insurance or investment products.

Best for: Entrepreneurs who want specific questions answered without joining a comprehensive program.

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5. DIY with Books and Courses — Best for budget-conscious learners

Target audience: Self-directed learners

If you're not ready for a coaching investment, consider starting with foundational resources:

Books:

• Killing Sacred Cows by Garrett Gunderson — Challenges conventional financial wisdom (written by a WF co-founder)
• Profit First by Mike Michalowicz — Cash flow system for entrepreneurs
• The Millionaire Next Door by Thomas Stanley — Research on actual millionaire behavior
• Set for Life by Scott Trench — Financial independence for high earners

Courses:

• Coursera and edX offer financial planning courses from universities
• Many fee-only planners offer educational courses without ongoing coaching

Cost: $20-$500 depending on depth

Best for: Entrepreneurs who learn well independently and want to build foundational knowledge before investing in coaching.

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Quick comparison

How to choose

Choose Multiplier if:

• You're earning $350k+ and want comprehensive coaching
• You value community and accountability
• You want a proven framework with hands-on guidance
• You prefer working with Garrett Gunderson's methodology directly

Choose X1 Wealth if:

• You want sophisticated tools without ongoing coaching fees
• You already have professional advisors (CPA, attorney) and need coordination
• You prefer technology-enabled DIY over coach-dependent programs
• You want family office capabilities at a fraction of the cost

Choose a Fee-Only Planner if:

• You have specific questions rather than comprehensive needs
• You want completely unbiased advice with no product agenda
• You prefer paying for advice directly rather than through coaching programs

Choose DIY Resources if:

• You're still building your income and can't justify coaching investment
• You learn well from books and courses
• You want foundational knowledge before committing to a program

The coaching vs. technology decision

Here's the fundamental question: Do you need someone to tell you what to do, or do you need tools to help you do what you already know?

Coaching programs (Wealth Factory, Multiplier, Strategic Coach) provide frameworks, accountability, and expert guidance. They're valuable when you don't know what you don't know, or when you need external accountability to implement.

Technology platforms (X1 Wealth) provide tools, insights, and recommendations. They're valuable when you're capable of implementation but need better information and coordination.

The visibility gap in coaching-only programs

Here's what most coaching programs don't address: How do you know if the strategies are actually working?

Without a financial visibility layer, coaching can feel like flying blind:

• You implement advice but can't measure the impact
• Months pass between sessions with no tracking
• You're relying on memory and scattered spreadsheets
• There's no way to prove ROI on your coaching investment

It's like hiring a personal trainer but never tracking your workouts or stepping on a scale. You might be making progress—or you might be paying for expensive conversation.

The best setup for many entrepreneurs: Use both. A coaching program for strategic direction and accountability, plus technology for ongoing visibility and implementation tracking. This is why Multiplier includes X1 Wealth Labs—the combination addresses both needs. The coaching tells you what to do; the technology shows you whether it's working.

Methodology

This comparison was developed through:

• Analysis of public reviews on Trustpilot, Birdeye, Glassdoor, and Indeed
• Review of official websites and published materials
• Research on program positioning and target audiences
• Pricing verified where publicly available (January 2026)

We have disclosed the author's prior relationship with Wealth Factory. This comparison aims to provide factual, helpful information for entrepreneurs evaluating their options.

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Looking for different comparisons? See our guides to Monarch Money vs YNAB, Best Mint Alternatives 2026, and RightCapital vs eMoney for advisor software.