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Comprehensive Planning

R. C. Whitmore Advisors, Inc. offers comprehensive financial planning services for an agreed-upon annual fee. We help you clarify your goals and then develop an integrated plan so you may achieve those goals. Clients receive unlimited access to our advisors in regards to questions they may have, updates they need to know, and changes they want to make. Areas we cover may include:

  • Goal development
  • Record keeping
  • Cash flow analysis and management
  • Risk/insurance review
  • Portfolio analysis
  • Investment strategy, including asset allocation and investment selection
  • Tax planning
  • Employee benefits review, analysis, and selection
  • College fund planning
  • Retirement planning
  • Estate planning and distribution

Annual retainer fees range from $3,000 to $20,000 depending upon your income, net worth, the complexity of your situation, the value we provide, and the amount of responsibility we assume.

Financial Fitness Review

Clients can opt for a two-hour review of specific areas in your financial situation, and R.C. Whitmore Advisors, Inc. will provide you with tailored recommendations to achieve financial stability and growth.

Financial Planning Project

Depending on a client’s situation, you may not require a complete, comprehensive financial plan, in which case R.C. Whitmore Advisors, Inc. can advise you on a specific project. Together, we will define the parameters of the project, the length of time needed to address it, and the fee for doing so.

At R.C. Whitmore Advisors, Inc. we are dedicated to working with you every step of the way along your financial planning journey. We asses your current situation, future goals and desires, and use your unique situation to develop a goal-oriented comprehensive financial plan that best suits your needs.

To be effective, financial planning needs to be coordinated. Each piece of your financial plan needs to accomplish its own specific tasks as well as support the tasks of each other. We call this integrated financial planning, and we are experts in this area.

7 SECRETS TO FINANCIAL INDEPENDENCE

(Courtesey of the Alliance for Comprehensive Planners)
Contact us to request your free copy.

Our Investment Philosophy

Objectivity

R.C. Whitmore Advisors, Inc. offers an objective lens through which to view the volatility of the stock market and cycles of the real estate market. Instead of making emotional decisions that can be counterproductive, we provide informed and objective advice from which you can make your decisions.

Functional Asset Allocation

Most financial planners and investment advisors focus on your investment portfolio and its performance against various indexes. While your investment portfolio is important, it’s only part of the picture. Your overall net worth is a much better measure of your financial well being and your ability to achieve your goals.

Functional Asset Allocation is a holistic approach to net worth management and growth. Its most basic premise is that there are three major categories of assets – interest-earning, real estate, and equities – and that each category has a fundamental function or purpose.

The purpose of the interest-earning category, which includes cash and bonds, is capital preservation. These investments protect against deflation and ensure that you will have a reliable cash flow while keeping this part of your portfolio safe.

The real estate category includes your personal residence, real estate that produces income (rental property, for example), and nonproductive real estate (including vacant land and second homes). The purpose of real estate is to protect against inflation through the opportunity to leverage your investment by mortgaging the property. It also fulfills the function of personal use and enjoyment.

Equities produce profits during times of prosperity. They are the growth engine of your net worth.

Once you understand the function of each asset category you see how questions like “Should I invest in stocks or bonds now?” are fundamentally flawed. Under Functional Asset Allocation, the three asset categories don’t compete against each other on performance or yield. The better question is “Do I have the right investments in each asset category, and am I properly balanced across all three categories so that I can achieve my goals and worry less about my finances?”

Diversification

Based on modern portfolio theory, we strive to achieve proper diversification, allowing for higher returns with less risk so clients may more easily reach financial goals. Depending on a client’s specific situation, we typically recommend a diverse investment portfolio across equities (domestic and international), bonds and income producing assets, cash and cash equivalents, and real estate holdings.

Passive Approach

Research shows that active investors, those who trade frequently in an attempt to exploit profitable conditions in the market, fail to achieve consistent returns as lucrative as those who employ a buy, hold, and rebalance approach. At R.C. Whitmore Advisors, Inc., we regularly analyze your portfolio to ensure it is balanced and taking full advantage of market trends, all the while assessing proper risk management.

Client-Specific

Just because someone else owns an investment does not mean that investment is right for you. Depending on your goals, stage of life, and risk tolerance, R.C. Whitmore Advisors, Inc. will help you choose investment options and allocate your portfolio in a way that best suits your situation.

Goal-Oriented

Every client has unique financial and life goals that require custom-tailored advice. Risk tolerance is not the only consideration when it comes to investment recommendations. At R.C. Whitmore Advisors, Inc., we help you clarify your goals and advise you in the best way to achieve them. It may be possible to reduce your portfolio’s volatility and at the same time allow you to reach your desired destination.