Whitmore Financial Planning
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About
Whitmore Financial Planning provides hourly, fee-only financial planning to individual and small-business clients, offering comprehensive and targeted planning services such as cash-flow analysis, retirement and education funding, risk-management reviews, and implementation assistance. The firm accepts clients without minimum asset requirements and delivers services on an as-needed basis rather than through ongoing asset management engagements.
When investment advice is requested, the firm emphasizes fundamental, long-term investment principles and diversified asset allocation, and commonly recommends low-cost no-load mutual funds, U.S. government securities, or certificates of deposit. Reviews and updates are scheduled at the client’s request, and the firm uses financial-planning software (Moneytree’s Silver Planner/Total Planning Suite) to develop and document plans and recommendations.
The firm does not manage client portfolios, does not take custody or discretionary authority over client assets, and does not charge percentage-of-assets-under-management or performance-based fees—features that are uncommon among independent advisers. The principal holds CFP coursework credentials and is an enrolled agent, and the owner’s bookkeeping and tax-practice background informs work with small-business and tax-sensitive clients, while the practice’s very limited client roster and hourly, on-demand model contrast with more typical ongoing advisory relationships.
Client services
Expertise
Fee options
$90 per hour, fees are negotiable
Fee-only: Hourly fee of $90 per hour, fees are negotiable
Main office
103 W. Wall St, Po Box 411
Creede CO 81130
Advisors at this office
1
Most active in
Colorado
Also doing business as
Whitmore Financial Planning · Whitmore, Debra A.
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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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.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
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