Independent Financial Advisor in Portsmouth, NH

Planning Built Around Your Whole Life

Experience Financial Well-Being

At Whole Wealth Management…

We help busy, successful people in Portsmouth and throughout New Hampshire organize, simplify, and take control of their finances – so they can worry less and enjoy more. We are independent and fiduciary, which means every recommendation we make is in your best interest. Period.

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You’ll Work With Jeff and Lynda

Not a Rotating Team of Associates

At Whole Wealth Management, your financial plan is built and managed by people who know your name, your values, and your goals. Jeffrey Keefe, AIF®, founded Whole Wealth Management with a clear conviction: that financial planning should feel personal, not transactional, and that the people you trust with your financial life should be genuinely accessible when you need them.

Jeff brings decades of experience helping individuals, families, and business owners in the Portsmouth area pursue financial well-being – from retirement income planning and investment management to tax strategy and estate coordination. Alongside Lynda, he works with a deliberately select group of clients, which makes the depth of that relationship possible. Our nearly 100% client retention rate reflects what that relationship looks like in practice.

Beyond the office, Jeff is deeply rooted in the Portsmouth community he serves. He was honored with the 2015 Invest in Others National Volunteer of the Year Award – a distinction presented to financial advisors who have made a lasting impact on their communities – and the 2014 Greater Portsmouth Chamber of Commerce Citizen of the Year Award for his vision and leadership in bringing the Puddle Dock Pond outdoor skating rink to Strawbery Banke Museum. He currently serves as President of the Portsmouth Athenaeum, and Whole Wealth Management actively supports organizations including End 68 Hours of Hunger, Gather, and the Society for the Protection of New Hampshire Forests.

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Jeff Keefe and Lynda Moores of Whole Wealth Management

When Jeff and Lynda say they’re invested in this community, they mean it in every sense of the word.

Meet Jeff and Lynda

Whole Wealth Management – What We Do

Financial well-being doesn’t come from managing one piece of your financial life well in isolation. It comes from coordinating all of them – intentionally, continuously, and in the context of the life you’re actually living. Below are the services we provide, each integrated into a single, cohesive financial plan anchored to your values and your goals.

Retirement Planning

Retirement planning is the process of converting your life’s accumulated savings into a reliable, tax-efficient income stream designed to last as long as you do. We build personalized retirement income plans covering Social Security optimization, withdrawal sequencing, Required Minimum Distributions, and long-term income sustainability – so you can move into retirement with confidence, not uncertainty.

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Tax Planning

Proactive tax planning reduces your lifetime tax burden – not just this year’s bill. We integrate tax strategy directly into your financial plan, working alongside your CPA to ensure that every major financial decision is made with its tax implications fully understood. The result is a financial strategy that keeps more of what you earn working for your future.

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Investment Management

Your portfolio is most powerful when it’s built as a direct extension of your financial plan – not managed by an algorithm that knows nothing about your life. We provide ongoing, fiduciary investment management that encompasses portfolio construction, tax-efficient asset location, disciplined rebalancing, and continuous coordination with your retirement and tax strategy.

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Estate Planning

Estate planning ensures that the wealth you’ve built transfers to the people and causes you care about – efficiently, intentionally, and with as little lost as possible to taxes or administrative complexity. We provide the financial planning layer of estate planning, coordinating with your attorney to make sure your financial decisions and your legal documents are fully aligned. This service includes generational wealth strategy and wealth transfer planning.

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Business Succession Planning

For business owners, the company you’ve built is often your most significant financial asset – and how it transitions is one of the most consequential financial decisions you’ll ever make. We help you evaluate exit scenarios, model the retirement income implications of a sale, and structure the transition for tax efficiency – so you can move into your next chapter on your own terms.

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Insurance Planning

Insurance is a financial planning tool, not a product purchase. We review your existing coverage objectively across life, disability, long-term care, and liability insurance – identifying gaps or redundancies in the context of your full financial plan. We don’t earn commissions on insurance recommendations, which means our analysis is driven entirely by what your plan requires.

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What Financial Well-Being Actually Looks Like

Money isn’t the only thing – but feeling genuinely empowered about your finances has a direct impact on every other area of your life. According to the American Psychological Association, money is consistently the number one source of stress in U.S. households, year after year, regardless of the economic climate. That stress doesn’t have to be yours.

At Whole Wealth Management, we define financial well-being through three interconnected qualities. When your financial life is well-planned and actively managed, all three become possible – not as distant goals, but as the natural result of having a real plan in place.

Financial Control

Financial control means understanding your full picture – what you have, what you owe, what you earn, and where it’s all going – and having a clear strategy that keeps everything working together. When you feel in control of your finances, the daily decisions that once felt anxious become straightforward. We help you get there and stay there.

Financial Confidence

Financial confidence is knowing that your plan is sound, your decisions are informed, and that someone who knows your situation is actively looking out for you. It’s the feeling of being genuinely prepared – for retirement, for the unexpected, and for the future you want to build. Jeff and Lynda provide that confidence through planning that’s honest, rigorous, and built around your life.

Financial Freedom

Financial freedom isn’t just about wealth – it’s about what wealth makes possible. It’s the ability to focus on what matters most to you, rather than on the financial decisions that would otherwise consume your attention. When your money is working efficiently for your life, your time and energy belong to the things that actually define it.

“Wealth is the Ability to Fully Experience Life.”

– Henry David Thoreau

Where Are You on Your Path to Financial Well-Being?

Every client comes to us at a different stage of their financial journey. Rather than a one-size-fits-all approach, we tailor our planning to where you are right now – and where you want to go from here.

Building and Growing Your Wealth

You’re saving and growing – building the financial foundation that will support your lifestyle, your family, and your eventual retirement. You’ve made good decisions to get here, but you’re ready for a real strategy and an expert partner to help you make the most of them. We help you maximize what you’re doing, fill the gaps you may not know exist, and build a coordinated plan that grows with you.

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Enjoying and Preserving What You’ve Built

You’re in or approaching retirement – and the financial questions have changed. It’s no longer about saving; it’s about converting what you’ve accumulated into a retirement paycheck that’s reliable, tax-efficient, and built to last. It’s also about making sure your wealth is protected and positioned to benefit the people and causes you care about most.

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Why Clients Choose – and Stay With – Whole Wealth Management

Nearly 100% Client Retention Rate

Our clients stay because the relationship works – and because the planning delivers. We work with a select group of clients precisely so we can maintain the depth of attention that makes that possible.

Independent and Fiduciary

As an independent firm, we are never pressured to recommend a particular product, platform, or strategy. As fiduciaries, we are legally and ethically required to act in your best interest at all times. Those two things together mean the advice you receive here is genuinely yours.

Proudly Serving Portsmouth and the New Hampshire Seacoast

Whole Wealth Management is located at 200 Marcy Street in Portsmouth, New Hampshire – and we’re genuinely part of the community we serve. Our clients are our neighbors: professionals, business owners, families, and retirees throughout the Seacoast region who are building something meaningful and want a trusted partner in their corner.

We serve clients throughout Portsmouth, Dover, Exeter, Hampton, and the broader New Hampshire Seacoast area, as well as clients across New Hampshire who prefer the convenience of working with us remotely. Wherever you are, the relationship is personal.

Contact Us

(603) 766-8705

200 Marcy Street, Suite 201
Portsmouth, NH 03801

Common Questions About Working With a Financial Advisor

What does a fiduciary financial advisor do?

A fiduciary financial advisor is legally and ethically required to act in your best interest at all times – not in the interest of a product, a commission, or a firm incentive. In practice, this means every recommendation is made based solely on what’s right for your situation. At Whole Wealth Management, we operate as fiduciaries for all planning and investment management services. That standard shapes every conversation and every decision we make on your behalf.

How is Whole Wealth Management different from a bank, brokerage, or robo-advisor?

Banks and brokerages are typically held to a suitability standard – meaning they must recommend products that are appropriate for you, but not necessarily the best option available. Robo-advisors manage investments algorithmically without knowledge of your full financial picture. At Whole Wealth Management, we are independent fiduciaries who provide comprehensive, personalized financial planning and investment management – coordinated across retirement, taxes, estate, and insurance – and managed by people who know your name and your situation. That combination is genuinely difficult to find elsewhere.

How much does it cost to work with Whole Wealth Management?

Our financial planning fees typically range from $1,000 to $5,000 depending on the complexity of your situation. Investment management services are offered on a fee basis ranging from 0.50% to 1.50% of assets under management. We are transparent about our fee structure from the beginning – there are no hidden costs, no surprise commissions, and no financial incentive for us to recommend one solution over another. The first conversation is always complimentary and carries no obligation.

How do I know if I need a financial advisor?

A financial advisor adds the most value when your financial life has meaningful complexity – multiple accounts, a retirement transition approaching, a business, an inheritance, tax efficiency questions, or simply the sense that your finances need a coherent strategy rather than a collection of separate decisions. That said, the most common thing we hear from new clients is that they wish they’d started sooner. If you’re wondering whether you need guidance, that question itself is usually a good sign that a conversation would be worthwhile.

Is my money safe with an independent financial advisor?

Yes – and the safeguards are meaningful. Your investment assets are held in custody with National Financial Services (NFS), not with Whole Wealth Management directly. This means your accounts are protected through SIPC up to $500,000 (including $250,000 in cash claims). We’re happy to walk you through exactly how your assets are protected – it’s a question we welcome.

Your Most Prosperous Life Starts With a Conversation

Financial well-being doesn’t happen by accident. It’s the result of good decisions, made consistently, within a plan that’s built around your whole life – your values, your goals, and the future you’re working toward. That’s what we help you build.

The next step is simple, and it costs nothing. Schedule a free, no-obligation discovery call with Jeff and Lynda. We’ll listen to where you are, what you’re thinking about, and whether Whole Wealth Management is the right fit to help you get where you want to go. If we are, we’ll tell you how. If we’re not, we’ll tell you that too.

You are a person, not a number. That’s how we’ll treat you from the very first conversation.

Schedule a Conversation

Your Most Prosperous Life Starts With a Conversation

You are a person, not a number. That’s how we’ll treat you from the very first conversation.

Schedule a Free, No-Obligation Conversation

Independent Financial Advisor in Portsmouth, NH

Experience Financial Well-Being

At Whole Wealth Management…

You’ll Work With Jeff and Lynda

When Jeff and Lynda say they’re invested in this community, they mean it in every sense of the word.

Whole Wealth Management – What We Do

Retirement Planning

Tax Planning

Investment Management

Estate Planning

Business Succession Planning

Insurance Planning

What Financial Well-Being Actually Looks Like

Financial Control

Financial Confidence

Financial Freedom

“Wealth is the Ability to Fully Experience Life.”

Where Are You on Your Path to Financial Well-Being?

Building and Growing Your Wealth

Enjoying and Preserving What You’ve Built

Why Clients Choose – and Stay With – Whole Wealth Management

Proudly Serving Portsmouth and the New Hampshire Seacoast

Contact Us

Common Questions About Working With a Financial Advisor

Your Most Prosperous Life Starts With a Conversation

Your Most Prosperous Life Starts With a Conversation

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