Personal Wealth Management

No two financial circumstances are the same. We meet with our clients quarterly, so we know you and your story! You have unique financial needs and pivotal planning moments, and we are here to guide you through them. In addition to your quarterly meetings, we are available for any intermittent needs. We invest time in client relationships so that we can make sure your financial investments are supporting your financial goals.

Decisions made today impact your financial future. When you become our client, we strive to provide you with context so that you understand the whole picture—and how your finances fit in. After we establish the client relationship, we gather the necessary data to construct a detailed financial plan. We then customize the investment portfolio to meet individual needs and objectives. During our quarterly meetings, we compare your current financial situation to that of our projection and make recommendations for next steps.

Whelan Financial customizes portfolios to meet your unique financial needs. The Whelan Financial Investment Committee is responsible for the development of the investment philosophy and strategy. We design our investment approach according to your individual objectives, then implement a disciplined, long-term asset allocation strategy using high-quality, low-cost, no-load mutual funds and ETFs. Our long–term investment objective is to obtain the portfolio’s risk–adjusted return versus its benchmark net of fees. The method and investments approved for use in our clients’ portfolios are then subject to our ongoing monitoring and critique.

Whelan Financial manages portfolios and executes trades while strongly considering tax efficiency. We work with your accountant to minimize unnecessary taxes and tax consequences. We also implement strategies such as location optimization, tax loss harvesting, capital gains avoidance, and Roth IRA conversions.

We are here to help you navigate the complexities and eliminate the confusion about your social security. Even the most basic question, like when to claim your benefit, calls for careful consideration. Maximizing your social security income, however, may require a more complicated approach. Whelan Financial will help you avoid making costly mistakes by providing strategies to maximize your social security benefit.

In order to seamlessly implement recommendations, we work directly with your CPA and estate planning attorney to ensure quality and consistency of advice. Because we establish a relationship with other professionals on your team, we can work with one another around critical planning points. This includes:

• Automatically providing investment related tax information annually (and on request) to your CPA
• Coordinating registration and beneficiary information on your accounts with your estate planning attorney
• Establishing withdrawal sequencing strategies with your CPA
• Facilitating estate distributions with your estate planning attorney