Certified Financial Advisor Serving the New York City area, Santa Fe (NM), and Clients Throughout the Country


Customized planning and comprehensive services and advice

to deliver peace of mind for your specific circumstances.

Certified Financial Advisor Serving the New York City area, Santa Fe (NM), and Clients Throughout the Country

Customized planning and comprehensive services and advice
to deliver peace of mind for your specific circumstances.

(1) Investment Management

Service

We build diversified, tax-efficient investment portfolios tailored to reflect clients' needs and goals. Our objective is to ensure that our clients' investments are optimized while reducing their overall tax burden.

We construct and manage portfolios consisting of stocks and bonds, exchange-traded funds ("ETFs"), mutual funds, closed-end mutual funds, and other public securities or investments.

We can also focus on socially and environmentally conscious investments (ESG investing) for individuals who wish to pursue those strategies.

Who We Serve

Wharton Wealth Planning can work with clients in three ways: (1) asset management on a continuous basis (2) flat-fee financial planning basis  (3) hourly basis. We work with you to manage the complex and multiple facets of your wealth and to meet your specific financial goals. We generally require a minimum account balance of $500,000 for our investment management services. However, we may waive or lower our minimum account balance requirement based on various criteria. Investment Management fees are computed at an annualized percentage of assets under management on a sliding scale as follows:  $500,000 to $999,999 - 1.00%; $1,000,000 to $2,999,999 - .90%; $3,000,000 to $4,999,999 - .80%; $5,000,000 and above - .70%. Our fee structure is simple and transparent, with no additional hidden fees or agenda and no sales commissions. We have office locations in New York City and Santa Fe (N.M.) and can also work with clients virtually, regardless of location.

Our Process

We evaluate investments in a broad and holistic view, and each client's investment portfolio is reviewed so that individual investment criteria and risk tolerance can be taken into consideration.

We assess portfolios and make concrete suggestions on asset allocation (including concentrated stock analysis), risk-reward ratios, tax efficiency, and cost-effectiveness.

We employ a disciplined investment philosophy backed by academic and scientifically validated principles and processes.

Securities might be recommended for the client's portfolio for the purpose of generating income, capital appreciation, or providing a mix of price appreciation and current income.

In order to increase tax efficiency and help clients' long-term wealth goals, we utilize the appropriate taxable and nontaxable accounts.

Once the appropriate portfolio has been determined, we perform reviews to monitor the investments and, if necessary, rebalance the portfolio based upon the client's individual needs, goals, and objectives outlined in their financial plan.

A graph depicting how a certified wealth advisor can help in Santa Fe, NM
New York Certified Financial Advisor (CFP)

(2) Financial Planning

Service

Financial plans are constructed by a fee-only CERTIFIED FINANCIAL PLANNER™ to meet clients' unique and evolving situations and goals. Advisory services include:

  • Asset Allocation
  • Diversification
  • Concentrated Positions
  • Alternative Investments
  • Rebalancing
  • Tax Efficiency
  • Risk-Reward
  • Cost-Effectiveness
  • Beneficiary Designations
  • Detailed Reporting
  • Monitoring
NYC area Investment Advisor Services
  • Optimal Retirement Age Analysis
  • Investment Goals and Risk Tolerance
  • Income and Expense Budgeting Analysis
  • Retirement Account Contributions Analysis
  • Retirement Account Distributions Analysis
  • Social Security Analysis
Virtual Retirement Investment Advisor
  • Income Projections
  • Budgeting Analysis
  • Fixed Income Producing Investments
  • Rental Property Analysis
  • Home Purchase Analysis
Certified Advisor CFP
  • Tax Loss Harvesting
  • Asset Allocation
  • Distribution Strategies
  • Tax Advantage Account Strategies
Virtual Financial Planner
  • Trust Planning
  • Wills
  • Inheritance Management
  • Gift Planning
  • Advance Healthcare Directive
  • Power of Attorney
  • Guardianship Designations
Fee-only Wealth Planning Firm based in Columbus Circle, Manhattan (New York City)
  • Individual Life Insurance
  • Business Life Insurance
  • Disability Insurance
  • Long-Term Care Insurance
New York State (NYC) Insurance CFP Financial Consultant
  • Donor-Advised Funds (DAF)
  • Charitable Remainder Trusts (CRT)
  • Charitable Gift Annuities
  • Optimal Asset Selection
Hourly Financial Planning
  • Concentrated Stock Analysis
  • Tax Projections
  • Incentive Stock Options (ISO)
  • Non-qualified Stock Options (NQSO)
  • Restricted Stock Units (RSU)
  • Employee Stock Purchase Program (ESPP)
Downtown Manhattan, Financial District, New York City
  • 529 Savings Plans
  • Custodial Accounts
  • Trust Accounts
New York University (NYU) in Manhattan New York near Greenwich Village and Washington Square Park
  • A sustainable investing focus is designed to help maximize long-term returns
  • ESG Scoring using 500 different metrics
City of Santa Fe (New Mexico) 37,000 solar farm. Located at 3209 Richards Lane, Santa Fe (N.M.) 87507

Our Clients

We welcome clients who need comprehensive ongoing financial-planning services, as well as those who simply need a flat-fee financial plan, consultation, or a second opinion. Our financial plan fees depend on the complexity of the plan and investment portfolio. In addition to providing detailed financial plans, Wharton Wealth Planning may also work on a flat-fee project basis or an hourly basis, depending on what best suits your needs. In instances when we manage assets directly for clients, a financial plan will be part of that service. Fee amounts will be stated upfront and agreed upon prior to the commencement of work. We have office locations in New York City and Santa Fe (N.M.) and can also work with clients virtually, regardless of location.

How to Proceed

Our process is to schedule a thirty-minute initial meeting to review a client's current situation and goals. If you decide to proceed, simply upload a list of requested information and documents to a secure online portal using a checklist we will provide. When the plan is complete, we have a one- to two-hour conference to review the plan, including a list of areas of opportunity and concern as well as follow-up action steps we recommend.

Virtual Financial Advisor: Personalized Financial Advice

We can also offer investment advisory and financial planning services to clients primarily or entirely virtually (online and by phone). Virtual financial advice retains the high level of personal service that consumers value from their financial advisor. No matter where clients live, we are just a Zoom call away from a face-to-face meeting. In addition, we are always happy to meet at our Manhattan, New York or Santa Fe (N.M.) office locations.

Virtual advisors offer a different and often improved value proposition for some consumers and have been gaining in popularity for years. Virtual financial planning may appeal to professionals who travel frequently, clients who prefer the convenience of a digital interaction to an office meeting, or retirees who relocate for part of the year.