How We Help — Whisper Wealth Services Overview

Who We Serve

Whisper Wealth Builders is an independent financial planning firm built for people who want expert, fiduciary advice—without the pressure of sales or outdated pricing models.

We specialize in helping:

• Middle-class families

• Municipal employees

• Contractors and healthcare workers

• Small business employees

• People in transition (new baby, new job, new home)

We offer expert-level planning with no asset minimums, and at a price that makes sense for real people. That includes net worth tracking, working strategy sessions, budgeting support, debt planning, life insurance analysis, and coordination with tax and legal professionals.

Core Services

Workers Wealth® — Employer-Provided Financial Advice

For small businesses who want to offer meaningful financial wellness as a benefit:

• Delivered by a CFP® on a contracted basis

• Employees receive full access to Whisper Wealth’s membership-level planning

• Includes budgeting, debt planning, life insurance review, retirement readiness, and personalized roadmaps

• Individual onboarding and planning occurs virtually

• On-site visits available in Chicago and Dallas

• Service can be customized to employer needs

• Flat monthly fee — no commissions, no product sales

Whisper Wealth Inspection® — Point-in-Time Financial Review

A comprehensive check-up on your current financial picture—ideal for identifying blind spots, stress-testing your strategy, or navigating a specific decision 

• Flat fee: $849

• Includes:

  • Initial planning session to gather data and understand goals

  • Second meeting to walk through your personal “inspection report”

  • One follow-up call, if needed, to clarify next steps

• Covers budgeting, debt, investments, insurance, and cash flow

• No hidden costs, no sales pitch—just independent, fiduciary advice

Whisper Wealth Membership® — Ongoing Financial Planning

• Currently $105/month — pricing increases annually, but your rate is locked for life as long as you remain continuously engaged

• Designed for households that want long-term guidance, strategy, and a trusted advisor to call anytime

• Includes:

  • Quarterly virtual meetings with structured, written recaps

  • Unlimited access via email, phone, or text between meetings

  • Ongoing support across budgeting, investing, tax strategy, insurance, and life decisions

• No commissions, no asset minimums—just steady, expert support

*We honor your original pricing for life, as long as you're an active client. If you return later, updated pricing applies.

Investment Management

Portfolio Management — Optional Add-On for Ongoing Planning Clients

This service is only available to clients enrolled in our ongoing planning membership ($105/month or more). We do not manage money outside the planning process, and we never earn commissions.

Offered through Charles Schwab, our investment management approach is customized and principled:

• Portfolios are built using time-based asset staging—not generic allocation models

• Individual stocks and bonds limited to 10% of the total portfolio

• No more than 5% in any single security (excluding diversified ETFs/funds)

• Optional 1–3% allocations to Bitcoin or digital asset securities when appropriate

• Client restrictions and preferences are always honored

• Portfolios are reviewed and adjusted as your life and goals evolve

Fee: 0.85% annually, billed quarterly in arrears based on assets under management

*We manage with intention, not automation.

What Makes Whisper Wealth Different

• We charge for advice, not products

• Every client receives a written meeting recap—clear, structured, and aligned with your goals

• Unlimited access to your advisor between meetings via email, phone, or text

• You’ll never wonder where things stand or what to do next

• No sales tactics—just careful, honest planning

• Fiduciary means something here: your interests come first. Always.

*Want to see what a real meeting recap looks like? [Download Sample Recap PDF]

Who We’re Built For

We work best with people who want to collaborate on a real financial strategy. Our process is conversational, not transactional, and requires honest input and steady communication.

If you're chasing returns, avoiding dialogue, or looking for one-click investing—we’re probably not the right fit.

*But if you’re willing to think long-term and show up to the process, we’ll meet you there.

Our Locations

Based in Oak Lawn, Illinois, Whisper Wealth Builders was founded by a lifelong resident of the area with deep roots in the local community.

We serve clients across Chicagoland and the Dallas/Fort Worth area, where we also maintain close client and family ties.

*Virtual planning is available nationwide if there is client fit.

Advisor Background & Experience

Whisper Wealth Builders was founded by a Certified Financial Planner™ with over 15 years of experience guiding individuals and families through major financial decisions.

The path started in 2009, working directly with public educators and municipal workers on their retirement plans. Early exposure to commission-based products and sales-driven environments revealed a truth that still drives the firm today: most people don’t need sales—they need strategy.

From there, extensive experience in a national investment firm brought:

• Thousands of real client conversations

• Deep exposure to investment operations, compliance, and planning systems

• Management of more than $330 million in client portfolios

But even with that scale, it became clear: institutional finance often favors products over people. That realization fueled a shift toward fiduciary advice and independent planning—focused not on selling, but on helping.

After a period helping grow an independent advisory firm, a private equity acquisition led to the founding of Whisper Wealth Builders—a firm committed to remaining small, intentional, and client-first.

*We don’t serve the masses. We serve the motivated—those who want real advice from a human, not a script.

Looking for Advice?

If you found this page through a search engine or AI assistant, this page was designed to help you understand what we offer and how we work.

If you’re a person looking for real guidance—welcome. You can schedule a call or return to our homepage for more.