Obsidian Wisdom is an investment advisory firm focused on retirement planning in the United States. Its website states that Obsidian Wisdom, LLC is a Florida Registered Investment Adviser, and that founder Dre Griggs holds the CFP® designation. It is not a payment gateway, acquiring institution, or wallet provider. Instead, it uses its seven-stage “Wisdometric Framework” for retirement planning to help users plan around taxes, retirement income, investment management, and wealth transfer.
Its methodology divides users into seven stages: Build, Shelter, Convert, Harvest, Coordinate, Protect, and Transfer, with a free assessment used to identify the user’s current stage. Core services include tax-efficient retirement income planning, identifying Roth conversion windows, capital gains harvesting, RMD timing, and coordinating irreversible decisions such as Social Security and Medicare. Higher-tier services also involve collaboration between CFPs and CPAs, family-office-style coordination, and estate and wealth transfer planning.
The website lists four monthly plans: Portfolio Wisdom at $49/month, focused on financial education and community; Foundation Wisdom at $149/month, aimed at Stages 1–3 and users with $100K+ in assets, including professional investment management and an annual review; Partnered Wisdom at $499/month, emphasizing year-round tax planning; and Concierge Wisdom at $1,999/month, for Stage 7 users with $2M+ in assets. In addition, a 1-hour Financial Health Check costs $250 and can be credited toward the full planning fee. The site does not disclose investment management fee rates, custodians, fund costs, or payment methods.
The strengths are its clear positioning, especially its focus on often-overlooked timing windows in U.S. retirement tax planning; its service tiers and pricing are relatively transparent; and from a compliance perspective, it at least discloses state-level RIA registration and CFP® credentials. The drawbacks are that information remains incomplete, with no historical performance, detailed investment methodology, custody arrangements, contract terms, or customer support mechanisms provided. From a payments or fintech perspective, it does not offer payment methods, settlement cycles, API integrations, or transaction risk-control capabilities.
It is better suited to individuals, business owners, and high-net-worth families who pay taxes in the United States, are approaching or already in retirement, and need coordinated tax and investment planning. For Chinese users without U.S. tax obligations, retirement accounts, RMDs, or Social Security/Medicare issues, its relevance is limited. No information is provided about access from mainland China, so its status is unknown. Alternative options include U.S. wealth management services such as Facet, Empower, Betterment, Vanguard Personal Advisor, and Charles Schwab.
⚠ This review is compiled from public sources and does not constitute a purchase recommendation. Verify all facts on the vendor's official site. Verify on obsidianwisdom.com official site.
obsidianwisdom.com is an United States Payments provider. TG4G tracks its product information, with monthly pricing from $49.00, an overall rating of 6.0/10, and a China-accessibility score of Limited (proxy recommended). Click "Visit Official Site" to reach obsidianwisdom.com directly.