Concord, NH North Main Street Office

Whitegate Investment Counselors serves individuals (including high-net-worth clients), retirement plans, trusts, estates, charitable organizations, and corporations by providing discretionary and non-discretionary portfolio management, participant-directed 401(k) plan advisory, IRA rollover recommendations, and focused consulting engagements. The firm manages roughly $545 million in client assets and develops asset allocations and investment recommendations based on client interviews and written data-gathering.

Investment implementation emphasizes tailored asset allocation and mutual fund/ETF analysis, employing a mix of long-term and short-term purchase strategies with occasional use of options or limited margin and consideration of after-tax returns for taxable accounts. Accounts are generally reviewed at least quarterly, and the firm recommends custody with an institutional broker-dealer to access consolidated reporting and aggregated trade execution.

Distinctive for its peer group, the firm does not emphasize comprehensive financial planning and instead offers targeted consulting on specific issues (often billed hourly) with consulting clients typically not receiving formal periodic reviews. The brochure also highlights the firm’s handling of IRA rollover recommendations — disclosing the potential conflict and operating under a special rule to act in clients’ best interests — and notes a relatively large asset base managed by a compact advisory team.