01
Approaching Retirement
Determine whether your resources, income and expectations are aligned.
Comprehensive Wealth Planning
Wealth Planning Services
Your Life Is Unique. Your Financial Plan Should Be, Too.
Your goals, responsibilities, concerns and priorities are unlike anyone else’s. That is why our planning process begins by listening.
We take the time to understand what matters most to you, organize the many areas of your financial life and build a personalized plan designed to help you move forward with greater clarity and confidence.
Independent Advice | Personalized Planning | One Coordinated Team
Where We Begin
We begin with what matters most to you.
A meaningful financial plan begins with understanding your life, not simply your accounts.
We want to know what you are working toward, what keeps you up at night, who depends on you and what you want your wealth to accomplish. From there, we bring the different areas of your financial life together into one clear, coordinated strategy.
Your plan is built around your goals and circumstances. It is also designed to evolve as your life, family and priorities change.
We do not begin with a product or a predetermined solution. We begin with you.
Our Philosophy
More than investment management
Investments are an important part of your financial life, but they are not the entire picture.
Your retirement plans may affect your taxes. Your estate plan may affect your family. Your insurance coverage may affect your ability to protect what you have built. Your charitable goals may influence how and when assets are distributed.
Comprehensive wealth planning brings these decisions together so they can be considered within the context of your complete financial picture.
One life. Many financial decisions. One coordinated plan.
Your Financial Life, Connected
Every decision is part of a bigger picture
At the center
Your Life, Goals and Family
- Retirement
- Investments
- Taxes
- Estate
- Insurance & Risk
- Social Security
- Education
- Charitable Giving
- Long-Term Care
- Legacy & Wealth Transfer
- Your Whitney Advisor
- Planning Team
- Outside Professionals
A coordinated strategy helps each decision support the life you are building.
Wealth Planning Services
Planning for every dimension of your financial life
Your plan may involve one focused issue or several interconnected priorities. We evaluate the areas relevant to your circumstances and help you determine what deserves attention now, what can wait and how each decision fits into your broader strategy.
Planning Around Life, Not Just Money
Your plan should help you navigate the moments that change everything
Some financial decisions can be anticipated. Others arrive unexpectedly. Your wealth plan provides a framework for evaluating decisions as your life evolves.
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Transitioning Into Retirement
Coordinate income, investments, Social Security, Medicare and distributions.
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Supporting Family
Balance help for children, grandchildren or aging parents with your own needs.
04
Receiving an Inheritance
Evaluate how new assets fit into your existing plan and long-term goals.
05
Managing a Major Life Change
Revisit your plan following marriage, divorce, loss, relocation or a career transition.
06
Building a Legacy
Clarify how you want your wealth, values and responsibilities carried forward.
Our Wealth-Planning Process
A thoughtful process designed around you
Engage, Discover, Design, Recommend, Implement, Review and Re-Engage. Planning is a continuous cycle, revisited as your life changes.
Stage 1 of 7
Engage
We get to know you.
We begin with a conversation about your life, family, concerns, priorities and aspirations. This is also an opportunity for you to get to know us and determine whether the relationship feels right.
1. Engage
We get to know you.
We begin with a conversation about your life, family, concerns, priorities and aspirations. This is also an opportunity for you to get to know us and determine whether the relationship feels right.
2. Discover
We organize your financial picture.
We gather and review the information needed to understand where you are today, including your assets, liabilities, income, expenses, benefits, insurance, estate documents and other relevant details.
3. Design
We build a plan around your goals.
Our planning team analyzes your information, evaluates different scenarios and develops a strategy tailored to your needs, priorities and circumstances.
4. Recommend
We explain the path forward.
We present our observations and recommendations in a clear, practical manner. Together, we identify priorities and determine which actions should come first. Recommendations may include an overall financial plan and an investment strategy designed to support it.
5. Implement
We help put the plan into action.
Once you are comfortable with the recommendations, we help coordinate implementation. This may involve portfolio changes, account updates, planning decisions and collaboration with attorneys, accountants or other professionals.
6. Review
We monitor progress and adjust.
We revisit your plan regularly, evaluate progress and discuss changes in your life, family, goals or financial situation.
7. Re-Engage
We return to the conversation as life changes.
Planning is not a one-time event. We repeat the process as needed, helping your strategy evolve alongside your life.
Planning and Investment Management
Your financial plan and portfolio should work together
Your investment strategy should not exist separately from the rest of your financial life. The planning process helps identify your goals, time horizon, income needs and tolerance for risk. Those considerations can then inform how your portfolio is constructed and managed.
Your Financial Plan Helps Define:
- What you are working toward
- When funds may be needed
- Required income
- Liquidity needs
- Risk capacity
- Family and legacy priorities
Your Investment Strategy Helps Support:
- Long-term growth
- Income generation
- Capital preservation
- Diversification
- Portfolio stability
- Progress toward defined goals
The plan provides direction. The portfolio helps move you forward.
Your Life and Goals
Financial Plan
Assets and Investments
Investment Strategy
One Coordinated Wealth Strategy
A Team Around Your Financial Life
A personal relationship supported by broad expertise
You should know who to call and feel that your advisor understands the details of your life. At the same time, complex financial decisions may benefit from multiple areas of expertise.
Your Primary Advisor
Your advisor serves as the central point of contact, gets to know your circumstances and helps coordinate the relationship.
Wealth-Planning Team
Planning professionals analyze your financial picture, evaluate scenarios and help develop recommendations.
Investment Team
Portfolio managers and research professionals help align your investment strategy with your planning objectives.
Your Outside Professionals
When appropriate, we collaborate with your attorney, accountant and other professionals so important decisions are considered from multiple perspectives.
At the center
You and Your Family
Your Whitney Advisor
- Wealth Planning
- Investment Management
- Client Service
- Attorney
- Accountant
- Insurance Professional
- Other Specialists
One relationship helping connect the people and decisions across your financial life.
Independent Advice
Advice built around you, not a product shelf
Whitney & Company is an independent Registered Investment Advisor. Our fee-based structure is designed to remove the pressure to sell a particular investment product or fund family, allowing recommendations to remain focused on your circumstances and interests.
Independent Perspective
Recommendations are not dictated by an investment brand or proprietary fund family.
Fiduciary Responsibility
As an RIA, Whitney & Company is responsible for placing client interests first.
Planning Before Products
The relationship begins with understanding your goals and developing a strategy, not selecting something to sell.
The only family that should drive your financial decisions is yours.
What a Wealth Plan Provides
Clarity for today. Direction for what comes next.
A completed plan should not feel like an overwhelming binder that is reviewed once and forgotten.
Where You Stand
A more organized view of your financial life and the resources available to you.
Where You Are Going
Clearly defined goals, priorities and time horizons.
What Requires Attention
A practical list of decisions and recommended next steps.
How Decisions Connect
An understanding of how investments, retirement, taxes, insurance, estate considerations and family goals affect one another.
Who Is Responsible
Clarity regarding what you, Whitney & Company and your outside professionals need to do.
How Progress Will Be Reviewed
An ongoing framework for monitoring the plan and adapting it as circumstances change.
Your Plan at a Glance
The Whitney Planning View
$4.2M
Net worth overview
$186K / yr
Projected retirement income
88%
Plan confidence
Goal progress
Retirement income82%
Education funding64%
Legacy and gifting45%
Priority actions
- Review beneficiary designations
- Evaluate Roth conversion window
- Confirm long-term-care coverage
Upcoming decisions
- This quarter: Social Security claiming review
- Next quarter: Annual plan and portfolio review
Illustrative example using fictional information. Not a projection of any client result.
Wealth Planning Is Ongoing
Your life will change. Your plan should be ready to change with it.
Markets change. Families grow. Careers evolve. Retirement approaches. Priorities shift. We meet with clients regularly to review progress, consider new information and update recommendations.
Step 1
Review
Step 2
Discuss
Step 3
Adjust
Step 4
Move Forward
When Wealth Planning May Be Most Valuable
You do not need to wait for a crisis to build a plan.
A planning conversation may be especially valuable when you are:
- Approaching or entering retirement
- Unsure whether your investments align with your goals
- Making Social Security or Medicare decisions
- Managing several accounts or financial relationships
- Evaluating an inheritance or significant financial change
- Supporting children, grandchildren or aging parents
- Reviewing estate and beneficiary decisions
- Considering a charitable or family legacy
- Trying to organize your entire financial picture
Planning Team Feature
Meet the people behind your plan
Our planning professionals bring experience across financial planning, investment management, accounting, operations and client service. More importantly, they share a commitment to making complex financial decisions understandable, personal and manageable.
Adam Magee, CFP®
Partner – Director of Wealth Planning
Adam leads our planning work with one goal: making a client's financial picture clear and uncomplicated, so their family can live their best life.
Meet Adam
Sarah Stymus
VP – Financial Planning
Sarah believes good planning is mostly good listening, then translating complex decisions into practical next steps.
Meet SarahThe Whole Team
Planning is a team effort at Whitney & Company.
Your plan is supported by portfolio managers, client service professionals and operations specialists who know your name and your circumstances.
Frequently Asked Questions
Questions clients ask us
More questions? Visit our full FAQ.
Start a Conversation
Your financial life deserves more than a collection of accounts.
You deserve a plan that reflects where you are, what matters to you and where you want to go. Let's begin with a conversation.
No obligation and no predetermined solution, just a thoughtful discussion about your goals and financial life.
Tell us what brings you here
Share a few details below, and a member of the Whitney & Company team will contact you to schedule an introductory conversation.
Whitney & Company is an independent Registered Investment Advisor. Information presented on this page is for general informational purposes and should not be interpreted as individualized investment, tax or legal advice. Planning services and recommendations vary based on each client's circumstances. Clients should consult their legal and tax professionals regarding their individual needs.