W.H. Financial Services, Inc.
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Total assets under management
$0
Total clients
46
4% high-net worth
Total advisors
1
of 1 employees
Firm size
Independent
1 advisor
Average clients per advisor
46
Average account size
$0
About
W.H. Financial Services, Inc. is a single-advisor independent registered investment adviser that provides financial planning, a one-time portfolio “MRI” analysis, and referrals to third‑party investment managers for individuals (including high‑net‑worth clients) and business entities. The firm serves a small client base and states it offers the same suite of services to all clients while tailoring recommendations to each client’s income, tax situation, risk tolerance, and time horizon.
The firm operates on a non‑discretionary, referral/co‑advisory model and does not trade client accounts or accept custody; instead it requires clients to use Matson Money’s advisory platform and generally recommends mutual funds using modern portfolio theory, quantitative analysis, and periodic rebalancing. WHF conducts due diligence on third‑party advisers, reviews ongoing performance, and delivers financial plans and portfolio reports, but does not exercise trading authority or proxy voting for client accounts.
Noteworthy characteristics include the firm’s required use of the Matson Money platform and the fee collection arrangement in which Matson Money collects advisory fees and remits the firm’s share, alongside the availability of a paid one‑time portfolio MRI and fixed‑fee financial planning engagements. The brochure also discloses that the firm’s principal is a licensed insurance agent — a source of potential conflicts when selling commissionable products — and documents a resolved regulatory matter from 2010 that resulted in a refund and monetary penalty.
Client services
Financial planning
Selection of other advisers
Portfolio analysis (mri) services
Expertise
Passive / index investing
Tax-loss harvesting
College savings (529s, UTMA, etc.)
Fee options
Portfolio MRI service: $500 one-time fixed fee (negotiable); Financial planning: $495 to $995 fixed fee (negotiable)
$0 - $500,000: Up to 0.99% $500,000 - $1,000,000: Up to 0.99% $1,000,000 - $4,000,000: Up to 0.75% $4,000,000+: Up to 0.50%
Main office location
W.H. Financial Services, Inc.
850 Nw Federal Hwy, Ste. 152
Stuart FL 34994, United States
Number of offices
1
Most active in
W.H. Financial Services, Inc. has reported serving >5 clients in these states in the last 12 months.
Florida
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.
Forms ADV
Quick links
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