HOURLY FINANCIAL PLANNING ON DEMAND!
Only pay for the time you use
No ongoing fees or minimum
No sales pitches or conflicts of interest
FINANCIAL PLANNING
We serve Physicians and other active and busy professionals or retirees with on-demand hourly financial advice.
Engage a trusted expert with no strings attached
Seeking a sounding board or new ideas? You can work with us for as long – or as little – as you like. We do not sell anything and aren’t beholden to anyone but you, which frees up to recommend only what we believe is in your best interest, for your circumstances.
Build an all-encompassing financial plan
We will endeavor to understand all relevant pieces of your current financial and personal circumstances and tie them to your future goals with a robust comprehensive financial plan. Your plan will cover investments, taxes, insurance, and estate planning, among other things.
transparent cost you can control
We offer our advice for a tiered hourly rate assessed on our face-to-face meeting time and defined offline parameters. We cap offline billable time to three hours (rare exceptions may apply, with your pre-approval), so your cost is transparent, predictable, and driven by you.
Do you know your financial advisor’s incentives?
Most financial advisors are brokers, investment advisors, or both (dually registered). Understanding how and by whom they are paid is important to determining how they weigh your priorities against theirs.
- Brokers are paid by product companies. The more they sell to you, the more money they make.
- Investment advisors are paid by your investment accounts. The more of your accounts you move there – and the larger those accounts are – the more money they make.
- Brokers and investment advisers will often provide a financial plan for free or a small cost since the “real” revenue is in the commissions on sales and fees on the assets. There is the potential for the financial plan to justify the products rather than the other way around. This would be a conflict of interest.
What is a Whistle Stop, anyway?
A whistle stop is a station where buses or trains stop only on request, if there are passengers or freight to be picked up or dropped off. A whistle stop with low passenger counts can be incorporated into a route without introducing unnecessary delay.
We founded Whistle Stop as the place to get comprehensive financial advice without the unnecessary complication and cost of a traditional financial advisor relationship. We couldn’t find a place we felt comfortable referring our friends and families to, so we built one.
Don’t want your advisor to be paid by someone else to sell you stuff?
We don’t work for a broker/dealer or sell products (insurance, annuities, investments). We only sell our advice: solutions that work best for you.
Don’t want to pay your advisor indefinitely?
You only pay us when you need us, for the time we spend with you, to the six-minute increment.
Want account management but don’t want to pay one-plus percent per year?
If, and only if, you want to delegate your account management, we offer the convenience of low-cost passive investment management for the lowest asset-based fee you can find.