Wealth Management

Our wealth management service is built for people who've accumulated meaningful assets and want one coordinated strategy for growing, protecting, and eventually passing on that wealth. That includes business owners planning a future transition, professionals approaching retirement, and anyone navigating a major event: a liquidity event, an inheritance, or another significant life change.

It starts with a conversation, not a pitch. We talk through where you are, where you want to go, your goals, timeline, risk tolerance, and current financial picture. From there, we build a personalized strategy alongside Oppenheimer & Co. Once the plan is in place, the relationship keeps going: scheduled reviews to check your progress, plus proactive outreach from your team whenever something changes or an opportunity comes up.

You work with Whitlock advisors who coordinate directly with Oppenheimer & Co. for investment management. That structure means your CPA and your wealth advisor sit on the same team, sharing information and working toward the same goals. You're not juggling two separate relationships or reconciling advice from people who never talk to each other.

Compensation and fee structures depend on your situation and the services involved. We'll walk you through exactly how fees work in an initial conversation, so there are no surprises later. Your assets are held through Oppenheimer & Co., a well-established broker-dealer investment bank, not directly by Whitlock. That separation matters. It's part of how we operate with transparency and accountability.

This is one of the real advantages of working with a CPA firm that also offers wealth management. Investment decisions carry tax consequences, and tax decisions carry investment consequences. When one team manages both sides, and actually talks to itself, you avoid the common trap of optimizing one area while quietly creating drag in the other. Tax-loss harvesting, Roth conversion timing, required minimum distributions, and charitable giving strategies all get handled with the full picture in view.

Downturns are a normal part of long-term investing, and your strategy is built with that reality in mind. A well-constructed portfolio accounts for your time horizon and risk tolerance precisely because markets don't move in a straight line. During volatile periods, your team stays engaged and reachable. If your situation or goals have changed, that's when it matters most to have an advisor who knows you well and can tell the difference between an adjustment worth making and a reaction you'd regret.