High Net Worth Financial Planning Services
High Net Worth Financial Planning from The Whitlock Co. aligns every asset, tax, and trust into one forward-thinking roadmap—so your wealth compounds, funds life goals, and lasts generations.
Why Choose The Whitlock Co. for High Net Worth Financial Planning Strategies
- Century-deep stability. Serving families since 1913, we’ve weathered every market cycle and tax overhaul, so your plan never falls behind.
- Institutional access, personal touch. Our partnership with Oppenheimer delivers institutional‑grade managers and exclusive private deal flow, paired with Midwestern care from our Springfield, Kansas City, and Joplin offices.
- Tax-aware, goal-based architecture. We craft a written Investment Policy Statement, then diversify across public markets, private investments, and real estate, rebalancing over time as your goals and tax situation change.
Whole-balance-sheet command. Our tax professionals and CPAs specialize in estate design, risk mitigation, and family governance, so every asset, risk, and distribution decision stays synchronized under one roof.
Turn Wealth Roadblocks into Advantages
Concentrated‑Position & Liquidity Strategies
We help founders unwind or hedge outsized company stock (10b5‑1 plans, collars, exchange funds) and create staged liquidity to fund new ventures or lifestyle goals—without triggering avoidable tax liabilities.
Retirement Income & Cash‑Flow Modeling
Stress‑test future lifestyle spending under multiple market, inflation, and longevity scenarios. Layer in pension, Social Security, deferred‑comp payouts, and real‑estate income for a clear roadmap.
Risk & Insurance Optimization
Evaluate life, disability, long‑term‑care, and key‑person coverage. right‑size deductibles and use premium‑financed or private‑placement life policies where appropriate to shift risk while keeping capital working.
Estate & Trust Design Oversight
Coordinate with attorneys to build or refine irrevocable trusts, family limited partnerships, and dynasty vehicles while serving as trustee to keep documents, distributions, and investment mandates aligned.
Business Succession & Exit Planning
Model sale structures (asset vs. stock), pre‑transaction gifting, and buy‑sell funding so founders can extract value, protect heirs, and keep the company healthy post‑hand‑off.
Philanthropic & Impact Strategy
Assist in setting up donor‑advised funds, charitable remainder trusts, or private foundations that let the family front‑load deductions, create a shared mission, and educate next‑gen stewards.
High Net Worth Financial Planning FAQs
How soon should I engage a financial planner?
Before major liquidity events: proactive design beats reactive fixes.
Does The Whitlock Co. serve clients outside Missouri?
Yes— we advise nationwide with equal depth while still providing personalized, Midwestern care.
What makes your strategies “tax-aware”?
Our financial planning approach includes asset location, loss harvesting, and trust structures to defer or reduce unnecessary tax liability.
Can you work with my current attorney?
Absolutely—we collaborate to align legal, investment, and tax moves.
What do you charge for high net worth financial planning?
We charge a transparent, asset-based advisory fee that tapers as your portfolio grows. All engagements start with a complimentary review session and contract, so you’ll know the expected investment—time and money—before committing.
Is there an account minimum?
Typical full-service relationships begin at $1 million of managed assets, but we’re flexible when specialized planning creates outsized value.
Take Control— Start Your Wealth Strategy Today
Protect and grow your wealth with The Whitlock Co. Call 417-881-0145 or request a strategy session today.