Wharton Wealth Planning

David B. Rosenstrock, CFP®
Wharton Wealth Planning

Wharton Wealth Planning provides independent financial-planning and investment management services to individuals, families and small businesses. Our philosophy is that independent, fee-only advice yields the best financial solutions. Our goal is to provide conflict-free services and place our clients’ needs first. As a fiduciary, we are independent, objective, and commission-free. Our experienced financial planning team can help you implement a financial plan that is specific to your investment goals, cash-flow needs, family circumstances, and financial and tax situations. We use a detailed discovery and analysis process to help create a financial plan that works best for you. Financial plans are constructed by a Certified Financial Planner to meet clients’ unique and evolving situations and goals.

Advisory services include: investment portfolio planning, tax planning, retirement planning (distributions and conversions), estate planning, cash flow planning, education planning, charitable giving, employee stock options, and insurance needs analysis. We can provide in-person and virtual financial planning and investment advisory services.

Wharton Wealth Planning reviews investment portfolios and suggests asset allocations that take a long-term view, enabling investments to compound over time to optimize the outcome. We can perform annual reviews to monitor the portfolio and, if necessary, rebalance the portfolio based upon the client’s individual needs, stated goals and objectives. Our process is to schedule a thirty-minute initial meeting to review your current situation and goals. If you decide to proceed, simply upload a list of requested documents to a secure, online portal using a checklist we will provide. Once we have all of your data, we conduct our analysis in approximately two to three weeks.

Services Offered

I. Investment Management

II. Financial Planning 

  • Investment Planning
  • Retirement Planning
  • Cash Flow and Debt Management and Budgeting
  • Tax Planning
  • Estate Planning
  • Insurance Needs Analysis
  • Charitable Giving
  • Employee Stock Options
  • Education Planning

We can work with clients in three ways: (1) flat-fee financial planning basis (2) asset management basis (3) hourly basis. Our financial plan fees typically range from $3,500 to $6,500 depending on the complexity of the plan and investment portfolio. 

About David B. Rosenstrock, CFP®

Prior to founding Wharton Wealth Planning, LLC, David B. Rosenstrock, CFP® worked as a Director of Investment Research at Registered Investment Advisor Sage Capital Management LLC for six years. Previously, David worked at several regional broker dealers focusing on fixed-income and equity markets for institutional investors and started his career as an analyst at Goldman Sachs. He earned his MBA from the Wharton Business School and B.S. in economics from Cornell University. He is a Certified Financial Planner and is also licensed to sell life insurance. David has contributed to articles on investing and financial planning for Forbes, Yahoo Finance, Fortune Magazine, MarketWatch, MSN, ETF Trends, Morningstar, Physician on Fire, and Business Insider and has been a guest on several podcasts (website at www.whartonwealthplanning.com for media articles). He has also served as an experienced volunteer at many nonprofit organizations in his community including the Police Athletic League and a local food delivery service for the homebound. David lives in New York, with his wife and their two very active children.

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