M.A. Whelan Financial Planning

M.A. Whelan Financial Planning

Maureen Whelan founded Whelan Financial Planning in 2006 after exiting corporate finance at JP Morgan, Bankers Trust Co., and Republic National Bank of NY. She operates as a solo practitioner delivering fiduciary financial advice from a single office in Cortlandt Manor, New York. The practice targets individuals transitioning to retirement, structuring engagements around three service lines: a one-time Retirement Review, ongoing Retirement and Investment Management, and personal income tax preparation. The firm’s investment posture is a client-advised portfolio construction model — Whelan manages assets on a discretionary basis for ongoing clients, complemented by in-house tax preparation that explicitly excludes business returns. Service is concentrated on Northern Westchester, Putnam County, Dutchess County, and Western Long Island. Whelan does not disclose public portfolio holdings, though the service architecture suggests allocations span retirement accounts and taxable brokerage assets. Whelan holds a BS in Accounting and an MBA in Finance from NYU, maintains a CFP designation, and is a member of NAPFA and the Financial Planning Association. As a fee-only RIA registered in New York State, she does not sell commissionable products. The firm states on its website that it currently is not accepting new clients due to existing client commitments, signaling a capacity-constrained solo practice operated near its limit. Structurally, Whelan Financial Planning sits at the opposite end of the advisory spectrum from multi-partner RIAs or roll-up aggregators: it is a single-CFP practice with no investment committee, no junior advisors, and no outsourced portfolio management. This means every portfolio decision passes through one professional’s judgment — a concentration risk for institutional allocators to note, but the source of personal accountability that defines the firm’s value proposition to the retiree households it covers.