Quarterly Letter
2026 Q3 Letter
Our third-quarter market review, why we own bonds, and portfolio updates on interest rates, artificial intelligence and energy.
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Whitney & Company
Rochester, New York · Since 1975
Like a family friend in finance. Independent advice, a team that knows you, and a plan built around the people and the life you love.
Independent. Fee-only. Fiduciary.
Plans that outlast the headlines
Who We Are
A short look at the people, the process and the independence behind every relationship.
We’re here to listen to you and put you first, free from the obligations of any investment brand or fund family. The only family that matters here is yours.
Our seasoned team of CFPs®, CFAs®, CPAs, and MBAs can help you with every financial consideration, from retirement planning to tax time, all tailored to your life.
An ethical duty to put your interests ahead of everything. You will never be charged a commission.
We get to know your dreams, your worries, and the people who matter most to you.
A consistent, steady approach built on rigorous research and long-term thinking.
A dedicated primary advisor, backed by a brain trust of credentialed professionals.
Our Services
The firm is here to make clients' lives easier by taking the emotion and worry out of their finances.
Your personalized portfolio awaits. See what "fine-tuned" should look like.
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Your goals are yours and yours alone. That's a truth we bring to every relationship.
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As a business owner, your employee benefits are a differentiator.
Learn MoreHow We Work
You're not just any client. You're you, and that makes your goals different from anyone else's. Seven connected steps, repeated as your life changes.
We start by getting to know you, talking about your needs and dreams, and establishing a comfortable rapport.
Next, we work with you to collect all of the information we'll need to assess your financial situation and understand your goals.
Once we have all of the information, we'll analyze your situation thoroughly and create a custom financial plan and strategy that uniquely reflects your needs.
With your blessing, we'll put the plan into place. Taking care of all logistical considerations to make the process easy for you.
On a regular basis, we'll reconvene with you to evaluate the plan, track progress, refine it, and adapt it to your changing situation.
Repeat the process as needed.
Questions? Answers.
News & Education
Quarterly letters, market commentary, planning education, and firm news.
Our third-quarter market review, why we own bonds, and portfolio updates on interest rates, artificial intelligence and energy.
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Financial markets were dominated during the second quarter of 2026 by a dramatic reversal in many of the concerns that had pressured asset prices late in the first quarter. Investors entered the period focused on the conflict with Iran, severe disruptions to shipping through the Strait of Hormuz, ra
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Financial markets began 2026 on a mixed note, with elevated volatility across asset classes and a divergence in performance beneath the surface. In the first quarter, U.S. large-cap stocks, as measured by the S&P 500, declined 4.6% (excluding dividends), while developed international stocks (MSCI EA
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