Whole Wealth Management

Whole Wealth Management provides custom financial planning to individuals, institutional clients, and other organizations through a personalized discovery process and tailored analyses covering cash flow, risk management, tax, retirement, and estate planning. The firm does not provide investment supervisory services or custody of client assets; implementation of recommendations is optional and typically occurs through third-party custodians or broker-dealers.

The firm’s process emphasizes an in-depth client profile and a long-term, tax-aware asset allocation approach supported by fundamental analysis and third‑party research. Rather than managing portfolios on a discretionary basis, Whole Wealth charges planning fees on an hourly or fixed-fee basis and only facilitates implementation if the client elects to proceed.

A distinctive feature is the principal’s dual role as a registered representative and investment adviser representative of Commonwealth Financial Network and as a licensed insurance broker, which enables direct implementation of securities and insurance products but also creates disclosed conflicts of interest. The principal also holds specialized credentials in fiduciary practice, life planning, and long‑term care, and the firm’s limited custodial involvement and non‑AUM fee model set it apart from many peers that provide ongoing asset management.