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Your 401(k) Rollover Might Be Sitting in Cash
When you roll over a 401(k) to an IRA, it’s easy to assume the money is automatically invested and continues growing. But that’s not how it works. Once the rollover is complete, the funds typically land in a settlement account — which is just a holding area in cash. Unless new investments are selected and purchased, your retirement savings may sit idle for months or even years, missing valuable market growth. Main Points: The Cash Trap: Most custodians (like Schwab or Fideli
The Retirement Equation: Why Financial Planning Matters
Retirement isn’t a single number or a one-time decision—it’s the result of many factors working together. At Whitener Capital Management, we call this “The Retirement Equation.” This equation highlights the different forces that shape your financial future. Some are entirely within your control, others you can influence, and some you simply can’t control at all. That’s where financial planning becomes essential—it’s the framework that helps bring all these moving parts togeth
Why Long-Term Strategy Matters More Than Seasonal Patterns
Each year, September carries a reputation for being one of the more challenging months for the markets. Historically, from 1950 to 2024 ,...
4 Common Planning Questions & How a Financial Plan Can Answer Them
A financial plan is more than a snapshot of your current finances—it’s a roadmap that helps you answer life’s biggest money questions...
The New Tax Bill: Additional Deductions, Permanent Tax Changes, & Child Tax Credit
Big Changes Ahead: What the New Tax Bill Means for Your Retirement Plan At Whitener Capital Management, we stay ahead of the curve to help you prepare—not just react—to changes in legislation that affect your financial future. One of the most significant updates to come out of Washington recently is the passage of a new tax bill that modifies the federal tax brackets, standard deduction, and certain credits, including changes that impact retirees and families. Here ’s what
Big Changes to Social Security Taxes? Here’s What Retirees Need to Know
At Whitener Capital , we keep a close eye on legislation that affects your retirement income — and 2025 is shaping up to bring some big...
Why the Market Isn’t Reacting to Middle East Tensions—and What Actually Moves the Needle
Why the Market Isn’t Reacting to Middle East Tensions—and What Actually Moves the Needle With rising tensions in the Middle East, many...
What Is a Fiduciary — And Why It Matters for Your Financial Future
What Is a Fiduciary — And Why It Matters for Your Financial Future When it comes to managing your wealth, trust is everything. But how do...
How Much Money Do YOU Need To Retire?
There’s no universal formula for retirement planning—but asking the right questions can help you build a realistic and personalized...
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