Whisper Financial
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$1,578,119
Clients
11
9% high-net-worth
Advisors
1
of 1 employees
Firm type
Independent
1 advisor with up to 2 employees
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
11
LowAverage account size
$143,465
About
Whisper Financial is a small, state-registered independent advisory firm that serves primarily individual clients, with services also available to high-net-worth individuals and businesses. The firm offers one-time financial plans, ongoing financial planning, and discretionary investment management, and its planning scope includes business planning, retirement and estate planning, tax planning coordination, insurance review, and college planning.
The firm’s investment approach emphasizes individualized planning and portfolio construction informed by Modern Portfolio Theory, often using passive index mutual funds and ETFs for diversification and tax efficiency, with discretionary trading through an institutional custodian. Whisper Financial also constructs socially responsible (ESG) portfolios on client request and provides guidance on digital assets and other speculative allocations, with clients able to impose reasonable investment restrictions.
Whisper Financial’s structure includes some uncommon affiliations for a solo independent adviser: the principal operates a separate tax-preparation business (Whisper Tax) that may be recommended to clients, and is contracted as a financial planner for another registered adviser—both relationships are disclosed in the ADV and identified as potential conflicts of interest. With about $1.58 million in assets under management and roughly a dozen clients, the firm’s combination of affiliated tax services and explicit digital-asset advice distinguishes it from many peers.
Client services
Financial planning
Portfolio management
Expertise
Cash flow / budgeting
College savings (529s, UTMA, etc.)
Occupation focus
Founder/Business Owner
Fee options
One time financial plan starting at $4,800, paid in two installments
$0 - $999,999: 1.00% $1,000,000 - $4,999,999: 0.85% $5,000,000+: 0.65%
$350 per hour, minimum one hour
Ongoing financial planning quarterly fee $1,250, paid in advance
Fee-only: One time financial plan starting at $4,800; Ongoing financial planning $1,250 per quarter; Hourly rate $350/hour
Main office location
Whisper Financial
Cobb CA, United States
Number of offices
2
Most active in
Whisper Financial has reported serving >5 clients in these states in the last 12 months.
California
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is active or affiliated with:
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Is not active or affiliated with:
-
Insurance agent
They sell insurance products and may earn commissions on those sales.
-
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
-
Bank
They're affiliated with a bank that may offer its own financial products and services.
-
Trust company
They provide trust and estate administration services, typically for separate fees.
-
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
-
Lawyer
They provide legal services, typically billed separately.
-
Real estate agent
They facilitate real estate transactions and may earn commissions.
Forms ADV
Quick links
LinkedIn
Facebook
X
Instagram
Website
510-216-3886
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