M.A. Whelan Financial Planning
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Total assets under management
$77,359,453
Total clients
46
63% high-net worth
Total advisors
1
of 1 employees
Firm size
Independent
1 advisor
Average clients per advisor
46
Average account size
$1,681,727
About
The firm provides financial planning and discretionary investment management primarily for individuals and families who are approaching or in retirement, and it also prepares income tax returns for a subset of clients. It offers one‑time “Retirement Reviews” that produce a written plan addressing goals, cash‑flow projections, Social Security timing, and tax‑aware withdrawal strategies, with optional periodic updates.
Its investment approach emphasizes asset allocation and cost control, constructing diversified portfolios mainly with mutual funds and ETFs and relying on research from third‑party providers and its custodians. The firm typically manages accounts on a discretionary basis with quarterly reviews and uses flat annual management fees and fixed fees for planning projects rather than charging percentage‑of‑AUM advisory fees, a fee arrangement that differs from many peers.
Compared with similar independent advisers, the firm manages a relatively large pool of discretionary assets for a modest number of clients (over $77 million in assets for roughly 46 clients), and tax return preparation represents a meaningful portion of the practice’s business. It custodians client assets through Charles Schwab and Altruist, receives limited practice‑support benefits from Schwab, and does not vote client proxies, leaving voting responsibility to clients.
Client services
Financial planning
Portfolio management
Expertise
Retirement income strategy
Income planning
Social Security optimization
Annuities
General tax planning
Occupation focus
Retired
Demographic focus
Approaching retirement
Fee options
Retirement Reviews charged as fixed fees starting at $2,500, up to $5,000 based on complexity; periodic updates start at $1,500
Account minimum: $300,000 Minimum fee: Minimum annual fee for Investment Management services is $3,000 Fee-only: Financial planning fees are fixed fees ranging from $2,500 to $5,000 for Retirement Reviews; periodic updates start at $1,500
Main office location
M.A. Whelan Financial Planning
Cortlandt Manor NY, United States
Number of offices
2
Most active in
M.A. Whelan Financial Planning has reported serving >5 clients in these states in the last 12 months.
New York
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
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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