# W.H. Financial Services

W.H. Financial Services is an Asset Manager based in Stuart, United States.

## Overview

- **Organization type:** Asset Manager
- **Headquarters:** Stuart, United States
- **Region:** North America
- **Address:** Westfield, NJ, United States
- **Founded:** 1987
- **Assets under management:** Undisclosed
- **Website:** whfinancial.com
- **LinkedIn:** https://www.linkedin.com/company/bill-hazlett-chfc%c2%ae-89015b5b

## Regulatory record

- **CRD number:** 287703
- **Registration status:** Registered
- **Reports private funds:** No
- **IAPD record:** https://adviserinfo.sec.gov/firm/summary/287703

## About

W.H. Financial Services, Inc. is a state-registered investment adviser in Stuart, FL. It has one employee and one investment adviser. The firm is based in Charged with overall portfolio management.

## Sectors

- Financial Services
- Insurance

## People

- William H. Flaherty — President

## Questions

### Who runs investment decisions at W.H. Financial Services?

William H. Flaherty, the firm's founder and President, runs all client-facing advisory decisions. As an independent broker-owner, he determines product selection, carrier relationships, and financial planning recommendations. The firm does not employ a separate CIO or investment committee structure typical of institutional asset managers.

### Does W.H. Financial Services manage proprietary investment funds?

No. The firm operates as an insurance brokerage and financial planning practice, not as a registered investment adviser managing pooled vehicles. Client assets are placed into third-party insurance company products — general account and separate account contracts issued by the carriers — rather than proprietary fund structures. The firm earns commissions and fees from carriers and clients, not asset-based management fees from in-house funds.

### Does W.H. Financial Services participate in alternative investments or private markets?

No. The firm's business is traditional insurance and financial planning — life insurance, annuities, disability income, long-term care, and employer benefits. There is no indication in public filings or its business model that it places client capital into private equity, venture capital, hedge funds, or other alternative asset classes. Its deployment universe is limited to regulated insurance products and affiliated financial instruments.

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- [WFM Asia](https://altss.com/profile/wfm-asia-hk-limited)
- [Whalen Financial Planning](https://altss.com/profile/whalen-financial-planning)

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Last updated: 2026-06-03T20:00:00.000Z

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