Roger Whitney, CFP®, CIMA®, CPWA®, AIF®
Retirement is not about managing money. Retirement is about managing time.
I am a practicing Certified Financial Planner (CFP®) helping people like you walk the journey toward and into retirement. I am known as the Retirement Answer Man.
Together, we will dream big, create a framework to have the right conversations, and create a plan that is individually designed for you and your lifestyle.
Here’s My Story
I have been helping people with retirement and lifestyle planning for 24 years. I work as a fiduciary. That is a big word people in my industry like to use to sound smart, but it is an important word to you. It means I am only selling advice. I have no economic interest in what decisions you make. It allows me to act as your advocate. It allows you to take peace of mind in knowing your interests come first in the advice you receive.
I began working at a large firm in 1991 as a Financial Advisor. I witnessed first-hand the rise and fall of the new economy and the dot-com bubble. Watched what happened burned in me the idea that financial people, not money. Working at a large firm felt like a distribution machine. I knew I could serve people better, so I left my job to start an independent business to better serve the needs of my clients. No longer attached to a large distribution machine, I was free from conflicts of interest.
I want to change the concept of retirement. Retirement is about having control of your activity and finances. Retirement is really about having control of your time.
Are You in It For the Long Haul?
One of the best lessons I have learned about how to handle finances, I learned through running. Retirement planning is like being an endurance athlete. In finances and distance running, fitness level is important, but mental toughness is what matters.
It takes mental toughness to develop a plan and stick with it over the long term. Sprinters are exciting, and fun to watch. But have you ever watched a marathon? Not many people do. Watching a marathon is not exciting because the skills that matter; endurance, mindset, putting one foot in front of the other for mile after mile is not fun to watch.
When it comes to proper retirement planning, you need to think like a marathon runner, even if it is not interesting to watch.
I am a slow, but dedicated, endurance runner. And that is exactly how to properly plan your financial future.
I am the host of the Retirement Answer Man podcast. I started the podcast share the wisdom I’ve learned working directly with clients and to hone my craft as an advisor. Hosting the podcast keeps me involved and current on the issues you are faced with. The podcast also speaks to my natural spirit of being a teacher.
The Secret to a Successful Marriage is the Key to Proper Financial Planning
I have been married to my wonderful wife, Shauna for 24 years. I have discovered one of the secrets to having a good marriage.
The secret to a good marriage is to never have a big conversation. The same is true for your financial future.
Let me explain. I am not telling you to avoid important conversations. If you never have a big conversation, it doesn’t mean you gave been avoiding important or difficult topics. Never having big conversations means you are having plenty of little conversations. Frequent small conversations about important topics keep you from needing to have the big “Uh-oh” conversation. You don’t let things get out of hand because you were inattentive.
But even having those little conversations can be tough. That is where I come in. I will guide you towards having the conversations that matter. That is the hard part. I provide the framework so you can show up and the proper conversations are facilitated.
I provide resources you can use today to plan better for your future while still living well today. I don’t focus on theory. Instead, I address real world issues that clients deal with every day. You take comfort in knowing you have a trusted advocate that understands you.
If you think your only option is to save more now to be secure down the road, you can rethink it.
Let me tell you about my mother. She did not understand balance. If life were a see-saw, she would have kept one end in the air with the opposite end planted firmly to the ground. My mother lived for tomorrow and sacrificed an enjoyable life today. She saved all she could. She sacrificed enjoying her life today so she could live better tomorrow. Only it didn’t work out that way.
My mother died young. She missed the tomorrow she had been waiting and saving for.
My Mother believed you can’t live all for today. She was right. But you can’t live all for tomorrow either. In the tension of living for today versus living for tomorrow, you have to find the right balance.
We will have the right conversations so you can live well now and not sacrifice tomorrow.
Imagine how much more peace of mind you will have to know you are prepared for retirement without missing today. You can fully live the life you have.
Too many people sacrifice the life they have to make sure they are OK tomorrow.
I’m on a mission to help change the concept of retirement and to help you dream, plan and live out a life focused on the things you care about most.
This new concept of retirement revolves around four simple elements
- Dream BIG about your life now and define your ideal retirement.
- Harness and organize the income and resources you have.
- Plan and set a course to work towards your ideal retirement.
- Live out that plan and adjust as your life unfolds.
My Professional Background
- Founding Partner of an S.E.C. Registered Investment Advisor in Fort Worth, Texas.
- B.A. International Relations, James Madison College, Michigan State University.
- Certified Financial Planner (CFP®), CFP Board of Standards.
- Certified Investment Management Analyst, in conjunction with the Wharton School through the Investment Management Consultant’s Association.
- Certified Private Wealth Advisor (CPWA®), Chartered Private Wealth Advisor®, awarded at University of Chicago Booth School of Business.
- Accredited Investment Fiduciary (AIF®), conduction with the Center for Fiduciary Studies and Fi360.
- Past Instructor, Retirement Planning & Employee Benefits, CFP® certificate program, University of Texas Arlington.
- Past Instructor, Wealth Management, Texas Christian University.
Maybe those degrees don’t matter to you. But if you are like me, you take comfort in knowing the person you are working with is always improving. But those degrees represent knowledge. You can google knowledge, but you can’t google wisdom. Wisdom comes from years of experience running the marathon towards retirement with families just like yours.