Fee-only financial planning · Ponte Vedra Beach, FL

Navigating with Trust.

Personalized wealth solutions for your peace of mind, from CERTIFIED FINANCIAL PLANNER® Practitioners Beverly and Mark Whitman.

Call 904-436-5223 Set up a free discovery meeting

466 Town Plaza Avenue, Suite 330 · Ponte Vedra Beach

Beverly Whitman, Mark Whitman and Allison Alexis of Whitman Wealth Management
Services

Comprehensive financial planning

Our financial planning services help you work towards goals like retirement, education savings, legacy planning, and charitable support while keeping in mind family protection.

Sail with us to chart your course!

i.

Cash Management Planning

To help you steer a steady course through turbulent financial waters.

ii.

Investment Review

Helping your financial assets navigate the currents of the market.

iii.

Retirement Planning

Preparing you to anchor during your golden years.

iv.

Risk Management Planning

Protecting your ship from treacherous financial hazards.

v.

Estate Planning

Plotting the course for passing on your legacy to future generations.

vi.

Tax Planning & Preparation

Paving a smooth passage through tax waters, leveraging tax advantages for charitable contributions, and steering clear of penalties and tax shoals during social security and retirement plan distributions.

Beverly and Mark Whitman reviewing a financial plan
The value we provide

What a plan gives you

  • Gives you peace of mind
  • Enables better control over spending and saving
  • Helps define your financial goals and provides a plan to reach them
  • Helps ensure you have enough protection against unforeseen illnesses, disability or loss of income
  • Provides an investment strategy that aligns with your risk tolerance, time horizon and goals
  • Helps ensure you have enough income to maintain your lifestyle after you stop working
  • Plus managing and reducing debt, ensuring your assets are distributed according to your wishes after your death, and more depending on your own unique situation
Who we serve

Where we can help most

Pre-retirees & retirees

Individuals approaching or in retirement who need guidance in preserving and potentially growing their wealth while generating income.

Anyone experiencing a significant financial life change

Marriage

Combining finances after marriage can bring significant changes, including shared expenses, joint bank accounts, and planning for the future together.

Career changes

Facing or anticipating a job change with a 401(k) requires careful consideration and guidance through this crucial phase.

Inheritance or windfall

Receiving a substantial inheritance or unexpected windfall can significantly change your financial circumstances, requiring careful planning and management.

Divorce

Anticipating a divorce or post-divorce may require careful planning to develop a post-divorce budget, strategize support arrangements, and safeguard your financial interests.

Relocation

Moving to a different city or country can bring changes in living costs and financial priorities.

The True Wealth™ Process

Five bearings to your goals

01

Explore

Understanding your needs, concerns, and aspirations, providing relevant information and describing the procedure, connecting services to your specific issues, and determining compatibility.

02

Engage

Gaining awareness of your unique perspective and frame of reference, actively listening to your viewpoint, identifying your values, and clarifying your priorities.

03

Envision

Helping you envision your future, set and prioritize personal and financial goals, and develop a plan that reflects your values and priorities.

04

Enlighten

Summarizing and clarifying your insights related to your values, priorities, concerns, transitions and goals, and showing how the proposed solutions support your life vision.

05

Empower

Monitoring your progress, helping you stay focused on your goals, and holding periodic reviews so your plan stays aligned as new transitions or concerns arise.

What sets us apart

Credentials & responsibilities

Beverly Whitman

CERTIFIED FINANCIAL PLANNER® PractitionerCertified Public Accountant (CPA)

Mark Whitman

CERTIFIED FINANCIAL PLANNER® PractitionerEnrolled Agent, admitted to practice before the IRS

Fee-only advisor

As a fee-only advisor, Beverly Whitman provides unbiased advice and services to clients for a direct fee.

Fiduciary duty

As CERTIFIED FINANCIAL PLANNER® Practitioners, Beverly Whitman and Mark Whitman have a fiduciary duty to act in the best interests of clients, putting clients’ interests above their own.

Our team
Beverly Whitman, CFP® and CPA

Beverly Whitman

CFP® Practitioner & CPA

Beverly fell in love with financial planning after seeing first-hand the value a coordinated approach can make to clients. Combining her expertise as a CPA and CFP® Practitioner, she helps clients see “the big picture” and minimize their tax liability through careful planning. She holds a B.A. in accounting from NC State University and an MBA from the University of Richmond, with over twenty years of experience: CFP® Practitioner since 2003, CPA since 1993.

[email protected]
Mark Whitman, CFP® and Enrolled Agent

Mark Whitman

CFP® Practitioner & Enrolled Agent

Mark is a CERTIFIED FINANCIAL PLANNER® Practitioner and an Enrolled Agent admitted to practice before the IRS.

[email protected]
Allison Alexis, Office Manager

Allison Alexis

Office Manager

Call Allison at (904) 436-5223 to set up a complimentary discovery meeting.

[email protected]
FAQs

Common questions

Ready to begin? Email [email protected] or call (904) 436-5223 to set up a complimentary discovery meeting.

A CERTIFIED FINANCIAL PLANNER® Practitioner offers expert financial guidance, tailored plans, and objective advice to help clients achieve their goals. They cover holistic planning, investments, taxes, insurance, and more. With a fiduciary duty, they prioritize clients' best interests, ensuring informed decisions and adapting plans over time.

CFP® Practitioners must meet education, examination, experience, ethics, and continuing education requirements set by the CFP Board. The CFP Board's Code of Ethics and Standards of Conduct requires all CFP® professionals to act as fiduciaries when providing financial planning services, always acting in the clients' best interests and avoiding conflicts of interest that could compromise the advice given.

A CFP® Practitioner who is also a CPA offers comprehensive financial expertise with a focus on tax efficiency. They provide holistic planning, especially for complex situations including estate planning. The combined knowledge enables coordination, risk management, and ongoing monitoring, saving time and building trust.

Depending on individual needs:
  • Cash Management Planning – a spending plan, projections of future income needs, planning for life transitions, an appropriate emergency fund, and debt management strategies.
  • Investment Review – evaluating risk tolerance and investment options against your goals, values and time horizon, testing asset allocation against historical market conditions, and evaluating costs, tax efficiency and income potential.
  • Retirement Planning – calculating retirement needs for your desired age and lifestyle, analyzing income sources, and creating a distribution strategy that considers tax and penalties on withdrawals.
  • Risk Management Planning – analyzing the need for healthcare, auto, homeowners’, life, disability, umbrella or other liability insurance.
  • Estate Planning – working with your attorney to make sure the necessary documents are in place.
  • Tax Planning – tax-efficient strategies, including monitoring capital gains and losses, charitable and retirement contributions, optimizing social security and retirement plan distributions, and managing tax efficiency within investment accounts.

  • Discovery Meeting – a complimentary exploratory meeting to build trust, understand your concerns and aspirations, and determine if there is a good fit.
  • Client Meeting 1 (more as necessary) – defining your starting point, understanding beliefs and behaviors affecting your finances, clarifying values and priorities, and setting meaningful goals.
  • Client Meeting 2 (more as necessary) – summarizing your values, goals and concerns, presenting a draft of the plan aligned with your life vision, and discussing implementation and monitoring.
  • Ongoing Planning Meetings – held based on time of year and as your financial life changes, with regular reviews of your True Wealth plan.

We offer remote meetings through Google Meet in a secure space with screen sharing. We also use a financial planning software called eMoney Advisor that gives clients a comprehensive financial view, goal tracking, scenario planning, budgeting, retirement planning, investment analysis, secure document storage and strong data security.

We offer convenient, flat-fee pricing based on the intricacy of the work and the time and resources it takes. Your fee is clearly outlined in our Financial Planning Agreement, with a portion due at signing and the remainder on a monthly, quarterly, or other agreed-upon billing arrangement. We use a secure billing platform called AdvicePay that allows you to pay via ACH or credit card.

You may transition to an ongoing planning client, receiving proactive planning, assistance with communication, access to resources, monitoring and keeping you informed, and continued tax planning. Ongoing clients are billed through AdvicePay monthly, quarterly, semi-annually or annually, and can cancel any time.
Start your journey with us

Contact

Learn more about our personalized planning process and how we bring clarity and confidence to your financial life.

Office904-436-5223

Email[email protected]

Address466 Town Plaza Avenue, Suite 330
Ponte Vedra Beach, FL 32081

HoursCall for current hours

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