Based in Berks County, Pennsylvania, Chris Whitcombe, CFP®, CRPC® provides financial planning, retirement planning, investment management, and small business guidance to individuals, families, and business owners both locally and nationwide. The goal is to help you bring the different pieces of your financial life together so you can make informed decisions with greater clarity, confidence, and long-term perspective.

Financial Planning

Financial planning should feel practical, approachable, and built around your real life and goals. Whether you’re preparing for retirement, saving for education, managing competing priorities, or navigating a major life transition, the focus is on helping you create a strategy that reflects what matters most to you and your family.

• Retirement income and distribution planning
• Roth IRA and Traditional IRA strategies
• Cash flow, savings, and long-term planning
• Insurance review and risk management
• Coordination across your broader financial picture

Investment Management

Your investment strategy should support the life you’re building, not exist separately from it. Investment management is centered around your goals, comfort with risk, and long-term priorities, with strategies designed to help you stay focused through changing markets and economic conditions.

• Goal-based portfolio construction
• Risk alignment and portfolio reviews
• Ongoing investment monitoring
• Investment strategies tied to your financial goals

Retirement Planning

Retirement planning is about more than choosing a retirement date. The focus is on helping you think through income, investments, taxes, healthcare, and lifestyle goals so you can move into the next chapter with greater clarity and confidence.

• Retirement readiness analysis
• Income planning and withdrawal strategies
• IRA, Roth IRA, and employer plan coordination
• Social Security and retirement timing considerations

Tax-Sensitive Strategies

Taxes can have a meaningful impact on your long-term financial outcome. Planning conversations include evaluating opportunities to improve tax efficiency and helping you make more informed decisions around investments, retirement income, and long-term wealth strategies.

• Tax-sensitive investment strategies
• Tax-loss harvesting opportunities
• Roth conversion considerations
• Coordination with your CPA or tax professional

Education Planning

Planning for education expenses can feel overwhelming when balancing other financial priorities. Whether you’re saving for children, grandchildren, or future family goals, the focus is on helping you evaluate your options and create a strategy that fits into your broader financial plan.

• College savings strategies
• 529 plan guidance
• UTMA and custodial account considerations
• Education planning within your overall financial plan

Small Business Guidance

Running a business comes with financial decisions that often overlap with your personal goals and long-term future. With a background in engineering and small business, Chris helps business owners think through planning strategies designed to support both the business they’re building and the life they want outside of it.

• Business retirement planning strategies
• Business owner investment and savings planning
• Cash flow and long-term planning considerations
• Coordination between business and personal financial goals