Disclosures

About Whitwell & Co., LLC

Whitwell & Co., LLC is an SEC-registered investment advisory firm (CRD 331958). Whitwell & Co. provides investment advisory and financial planning services and is held to the fiduciary standard under the Investment Advisers Act of 1940. Whitwell & Co. does not sell insurance or annuity products and does not provide tax preparation or legal services. Registration does not imply a certain level of skill or training.

The Whitwell Family of Firms

Whitwell & Co. operates as part of a coordinated structure of separate legal entities under common leadership. Whitwell & Co., LLC is affiliated with Living Prepared, LLC, a licensed insurance and annuity firm, and is under common leadership with Whitwell Tax & Ledger Co., a tax and accounting firm.

These remain separate legal entities offering distinct services. Investment advisory services are offered exclusively through Whitwell & Co.; insurance and annuity products exclusively through Living Prepared, LLC and its licensed insurance professionals; and tax and accounting services through Whitwell Tax & Ledger Co.

Conflicts of Interest and Compensation

Whitwell & Co. is a fee-only investment adviser. It is compensated only by its clients through advisory fees and does not accept commissions on investment products.

When a client's plan calls for insurance or annuities and the client chooses to implement through Living Prepared, LLC, that affiliated firm and its licensed insurance professionals receive commissions and other compensation from insurance carriers. Because Whitwell & Co. and Living Prepared, LLC are under common leadership, this is a conflict of interest: the firms have a financial incentive to recommend insurance solutions implemented through Living Prepared.

We address this conflict by recommending insurance only where it fits the plan, disclosing the affiliation and the compensation, presenting options, and leaving the decision of whether and where to implement to you. You are never required to purchase insurance through Living Prepared, LLC.

Standards of Care

Investment advice through Whitwell & Co. is held to the fiduciary standard under the Investment Advisers Act. Insurance recommendations made through Living Prepared, LLC follow the best interest standard for annuities under applicable state insurance law and applicable state suitability and replacement regulations for life insurance. These are different standards than the fiduciary duty that applies to SEC-registered investment advisers.

Investment Risk and Performance

Investing involves risk, including the possible loss of principal. Past performance does not guarantee future results. Nothing on this site is a guarantee of any particular investment outcome.

Insurance and Annuity Guarantees

Any insurance or annuity product guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company. They are not backed by any bank, the FDIC, or any government agency. Insurance and annuity products are offered through Living Prepared, LLC, not through Whitwell & Co.

Educational Content Only

The content on this site is for educational and informational purposes only. It is not intended as, and should not be construed as, personalized investment, insurance, tax, or legal advice. Consult the appropriate licensed professional before acting.

Regulatory Disclosures and Jurisdiction

Whitwell & Co.'s Form ADV Part 2A, Form CRS, and related regulatory disclosures are available through the SEC's Investment Adviser Public Disclosure (IAPD) website and via the links in the footer of this site. Nothing on this site is an offer or solicitation in any jurisdiction where Whitwell & Co., LLC is not authorized to do business.

Whitwell & Co., LLC · SEC CRD 331958 · Affiliated with Living Prepared, LLC and under common leadership with Whitwell Tax & Ledger Co. · This page is educational and is not investment, insurance, tax, or legal advice.