Wharton Wealth Planning provides

(1) investment management and (2) financial planning services to our clients.

(1) Investment Management

Service

We build diversified, tax-efficient investment portfolios tailored to reflect clients' needs and goals.

We construct portfolios consisting of individual stocks or bonds, exchange-traded funds ("ETFs"), closed-end mutual funds, mutual funds, and other public and private 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

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. We can also work with clients virtually, regardless of location. Investment Management fees are computed at an annualized percentage of assets under management on a sliding scale.

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, 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.

Virtual fee-based financial advisor in New York
Virtual fee-based financial advisor in Santa Fe

(2) Financial Planning

Service

Financial plans are constructed by a fee-based 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
Fee Based Certified Financial Planner Investment Portfolio Planning
  • 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
Retirement Planning for Life Transitions
  • Trust Planning
  • Wills
  • Inheritance Management
  • Gift Planning
  • Advance Healthcare Directive
  • Power of Attorney
  • Guardianship Designations
Estate Planning for Life Transitions and Changes
  • Tax Loss Harvesting
  • Asset Allocation
  • Distribution Strategies
  • Tax Advantage Account Strategies
One-time Financial Plan
  • Individual Life Insurance
  • Business Life Insurance
  • Disability Insurance
  • Long-Term Care Insurance
Wharton Wealth Planning, LLC
  • Income Projections
  • Budgeting Analysis
  • Fixed Income Producing Investments
  • Rental Property Analysis
  • Home Purchase Analysis
Debt and Cash Flow Management for Life Transitions and Changes
  • Donor-Advised Funds
  • Charitable Remainder Trusts
  • Charitable Gift Annuities
  • Optimal Asset Selection
One-time Financial Plan
  • Concentrated Stock Analysis
  • Tax Projections
Employee Stock Options
  • 529 Savings Plans
  • Custodial Accounts
  • Trust Accounts
Education Planning
  • A sustainable investing focus is designed to help maximize long-term returns
  • ESG Scoring using 500 different metrics
Environmental, Social, and Governance Investing ("ESG")

Our Clients

We welcome clients who need comprehensive financial-planning services, as well as those who simply need a one-time financial plan, consultation, or a second opinion. The fixed fee for creating client financial plans is between $3,500-$15,000, depending on the complexity of a client's situation. Fee amounts will be disclosed and agreed upon prior to the commencement of work. We 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 documents to a secure online portal using a checklist we will provide. When the plan is complete, we have a one- to a 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 Advice

We can also offer investment management and financial planning services to clients primarily or entirely 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.

Virtual advice offers a different and often improved value proposition for some consumers and has been gaining in popularity for years. This service 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.