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David B. Rosenstrock, CFP®, MBA

Fiduciary Fee-Only Financial Planning and Investment Advisory

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Wharton Wealth Planning David B. Rosenstrock, CFP®, MBA
New York, NY

Serving Clients Nationwide

Fiduciary Fee-Only Financial Planning and Investment Advisory

21 Certified Advisor Reviews™
5 out of 5 Stars
Jump to Reviews

(646) 450-7021

Website

Areas of Focus

  • High Net Worth
  • Investment Management
  • Retirement Planning
  • Women & Wealth

About David B. Rosenstrock, CFP®, MBA

David B. Rosenstrock, CFP®, MBA, has been dedicated to the investment management field and helping individuals effectively manage their wealth for over twenty years. Working closely with clients to understand their current situation and future aspirations, he creates thoroughly personalized financial and investment plans tailored to the unique needs of each individual.

Since entering the financial services field in 1995, David has worked at several broker-dealers focusing on fixed-income and equity markets for institutional investors and started his career as an analyst at Goldman Sachs.

As an independent financial advisor, he has the benefit of access to investment options that may not be available to financial advisors tied to large Wall Street Firms, which is an advantage that can make a substantial difference for his clients.

David has written and contributed to articles on investing and financial planning for CNBC, Barron's, NBC News, CNN, CBS News, Fox News, Kiplinger's, Forbes, Yahoo Finance, Fortune Magazine, MarketWatch, NASDAQ, MSN, ETF Trends, Morningstar, Physician on Fire, The Journal of the New York State Academy of General Dentistry, The Environmental Magazine, and Business Insider. He has also been a guest on several podcasts, including The Retirement Wisdom Podcast. View links to articles and podcasts at whartonwealthplanning.com.

David is a member of the National Association of Financial Planners Association (NAPFA), the Financial Planning Association (FPA), and the Fee-Only Network. He is also a committee member of the Sustainability Investment Leadership Council.

On a Personal Note

David lives in New York and he and his wife are the proud parents of a son and daughter. In his spare time, David enjoys the outdoors, traveling, exercising (including swimming, biking, and yoga), music, and staying up to date on financial topics that are relevant to his clients. He is also active in his community through the Parents’ Association, a baseball and basketball fan, and a foodie. David also volunteers to provide financial planning services to underserved communities to help people take control of their financial lives.

Professional Designations

  • CERTIFIED FINANCIAL PLANNER ®
  • Master of Business Administration (MBA)

Affiliations

  • Fee Only Network
  • Financial Planning Association
  • National Association of Personal Financial Advisors

Primary Location

3 Columbus Circle, Floor 15 New York, New York 10019

Additional Locations

📍 150 Washington Avenue, Suite 201, Santa Fe, New Mexico 87501

📍 560 Sylvan Avenue, Suite 3160, Executive Center Englewood Cliffs, New Jersey 07632

Video

Meeting Options

  • Video Conference
  • In-Person
  • Phone
Book Intro Call

Compensation Methods

  • Fee Only
  • Flat Fee
  • One-time Financial Plan
  • Percentage of Assets Managed

What to expect in the first meeting

Click the 'Book Intro Call' button above to schedule a free, 30-minute Zoom call or telephone conversation. We use an initial consultation to discuss what specific areas you would like help with and to determine if your financial needs are a good fit for our services.

During the introductory meeting, we also may discuss your current financial situation, future goals, and concerns and we will also answer your questions regarding Wharton Wealth Planning’s services. If there is a fit, we are happy to schedule an hour appointment to meet in person at one of our offices.
Please note, we are currently focusing only on clients with a minimum household account value of approximately $1.5 million who want, or may want, long-term investment management with financial planning services.

Offers Investment Management

Yes

About Wharton Wealth Planning

Wharton Wealth Planning is an independent, fee-only fiduciary financial planning firm serving individuals and families in New York City, Bergen County (NJ), and nationwide. We specialize in comprehensive retirement planning, investment management, and tax-efficient wealth strategies for clients across the following categories: high-income professionals, families, physicians, pre-retirees, and retirees.

As a fiduciary, Wharton Wealth Planning's services are independent, objective, and commission-free. With the unique expertise of both a CFP® and MBA designation and over two decades of hands-on experience, we bring an interdisciplinary approach to the challenges of investments and financial planning. Whether you are early in your career and starting to think about retirement or retired seeking to maximize portfolio returns and retirement income, we can help you. Our philosophy is that independent, fee-only advice yields the best financial solutions.

Asset management strategies and retirement planning solutions are developed by a dual-credentialed CERTIFIED FINANCIAL PLANNER® (CFP®) with an MBA. Our experienced certified financial-planning team can help you implement a financial plan that is specific to your investment goals, cash-flow needs, family circumstances, and tax situations. We use a detailed discovery and analysis process to create a comprehensive plan to deliver peace of mind.

Investment Philosophy

Clients are best served by ensuring that their investments are consistent with their risk profile and personal goals, and using academically validated asset allocation principles and diversification principles. We seek to minimize expenses and improve returns by using low-cost mutual funds and exchange-traded funds.

Open architecture allows us to choose from the full universe of investment choices and find the selections we consider to be “best in class” to meet specific client needs and goals. Open architecture can often lead to lower costs and improved risk-adjusted returns for investors by mitigating potential conflicts of interest that can arise in closed systems.

Taxes are also a significant component of any investment strategy. An efficient investment strategy always considers and minimizes taxes.

Education

The Wharton School, Master of Business Administration - MBA | Cornell University, Bachelor of Science - BS | The College for Financial Planning - Certified Financial Planner

Hobbies and Interests

  • Baseball
  • Basketball
  • Beach
  • Cycling
  • Eating Out
  • Exercising
  • Family
  • Hiking
  • Movies
  • Music
  • Swimming
  • Traveling
  • Volunteering
  • Working Out
  • Yoga

SEC Lookup

View Disclosure

Who We Serve

  • Baby Boomers
  • Business Owners
  • Corporate Executives
  • Dentists
  • Divorce
  • Dual Income Family
  • Engineers
  • Families
  • Financial Independence Retire Early (FIRE)
  • Gen X
  • Healthcare Professionals
  • Individuals
  • Investors
  • Jewish
  • LGBTQ
  • LGBTQ Couples
  • Living in Retirement
  • Parents
  • Physicians
  • Professional Athletes
  • Single Women
  • Technology Professionals
  • Widow
  • Women in Transition
  • Women Professionals
  • Women’s Finance

Wealthtender® is a trusted, independent financial directory and educational resource governed by our strict Editorial Policy, Integrity Standards, and Terms of Use. While we receive compensation from featured professionals (a natural conflict of interest), we always operate with integrity and transparency to earn your trust. Wealthtender is not a client of these providers. Testimonials may not be representative of other clients’ experiences and do not guarantee future performance or success.

Write a Review


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Recommended Fee-Only Financial Planner in New York City

✅ Wealthtender Certified Advisor Review™
Dec 8, 2025
We chose Wharton Wealth Planning in New York City because they are a fee-only financial planner and a fiduciary. We felt their interests are best aligned with what we need, given their work style. We've been very happy overall with the advice and recommendations we have received and the changes made to our investments. We would definitely recommend Wharton Wealth Planning to those seeking a fiduciary financial advisor.
Relationship to Financial Advisor: Client as of Dec 8, 2025
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Avatar for Karen R
Karen R

4 Stars

✅ Wealthtender Certified Advisor Review™
Oct 20, 2025
   
Relationship to Financial Advisor: Client as of Oct 20, 2025
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Avatar for William Worthen
William Worthen

5 Stars

✅ Wealthtender Certified Advisor Review™
May 27, 2025
David Rosenstrock of Wharton Wealth Management provides well researched, proven, sound and always-current financial advice. He is accessible for any questions and concerns you may have and will respond to you promptly. He listens fully to your concerns and inquires about your lifestyle and long and short range goals enabling you to develop a sound financial plan. David is a fee-only financial planner and fiduciary financial advisor, who keeps abreast of all current trends and will advise you on the best financial plan. He will offer suggestions as the financial market changes, and your life stage needs evolve. Financial planning is a dynamic process and David will navigate the journey with you.
Relationship to Financial Advisor: Client as of May 27, 2025
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Avatar for Aviva Chansky Guttmann
Aviva Chansky Guttmann

5 Stars

✅ Wealthtender Certified Advisor Review™
May 26, 2025
David is a complete professional with a wealth of knowledge about financial planning. He is a pleasure to deal with as he is passionate about his craft and deeply committed to helping you with your investment needs.
Relationship to Financial Advisor: Client as of May 26, 2025
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Avatar for Lon Samuelson
Lon Samuelson

5 Stars

✅ Wealthtender Certified Advisor Review™
May 18, 2025
David with Wharton Wealth Planning provides comprehensive retirement planning services. The customized report he developed for me included an investment analysis and retirement recommendations based on my current portfolio and various retirement scenarios. It was tailored to my investment comfort level and his projections included detailed backup. I appreciated David's thorough process and his prompt attention to any questions, and I highly recommend his independent financial services.
Relationship to Financial Advisor: Client as of May 18, 2025
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Avatar for SG
SG

5 Stars

✅ Wealthtender Certified Advisor Review™
Nov 25, 2024
Last winter, I attended David Rosenstrock's presentation on balancing asset allocations, which was informative and insightful. I consulted with him, and appreciated his advice on reallocating my portfolio. He followed up with relevant articles. The rates are competitive for fee-based financial planning. I recommend Wharton Wealth Planning for those seeking a personal financial planner.
Relationship to Financial Advisor: Client as of Nov 25, 2024
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Avatar for Margaret Johnson
Margaret Johnson

5 Stars

✅ Wealthtender Certified Advisor Review™
Nov 19, 2024
I hired David for a small project & was very happy. He not only answered all my questions, but he didn't treat me like a "small project". I was very satisfied & would recommend.
Relationship to Financial Advisor: Client as of Nov 19, 2024
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Avatar for frederick Altschuler
frederick Altschuler

5 Stars

✅ Wealthtender Certified Advisor Review™
Nov 13, 2024
   
Relationship to Financial Advisor: Client as of Nov 13, 2024
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Avatar for Melissa Evantash
Melissa Evantash

5 Stars

✅ Wealthtender Certified Advisor Review™
Aug 4, 2024
We were very pleased with our experience with Wharton Wealth Planning. We were provided a variety of options as to how to work together. David Rosenstrock our planner was a great pleausure and helped us through the process step by step. We will definitely work with them again and recommend them to all.
Relationship to Financial Advisor: Client as of Aug 4, 2024
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Avatar for Tom Blundell
Tom Blundell

5 Stars

✅ Wealthtender Certified Advisor Review™
Apr 23, 2024
Highly recommend Wharton Wealth Planning. You are in the hands of a very experienced money manager, who is not cookie cutter in his approach, and takes a holistic view of our portfolio. He has guided us for many years through good and bad economic conditions. He considers all aspects of our short - and long-term goals and needs while keeping focus to reduce taxes and risks. We realized immediate benefit from the concentration in the portfolio relative to our previous money manager. He is very smart (MBA from Wharton) and is also a CFP, which gives him the knowledge to guide us in any personal financial situation. He listens, is easy to work with, and is very responsive. I can't say enough good after switching to Wharton Wealth Planning.
Relationship to Financial Advisor: Client as of Apr 23, 2024
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Avatar for Marc Brodeur
Marc Brodeur

5 Stars

✅ Wealthtender Certified Advisor Review™
Mar 12, 2024
I have known David and his success in managing money for years. I was thrilled when he said he was starting his own financial management business as my family would finally be able to invest through him. Not only is David incredibly smart and skilled at what he does but he also acts with the highest ethical standards and is kind and responsive. I have not hesitated to recommend David to my friends and to my elderly mother after my stepfather passed away last fall. David has been very patient spending time explaining everything to my mother and he has walked her through all phases of setting up her account. He also regularly updates her and is extremely responsive when she has any questions. Every time she talks to him she feels reassured and knows that her money is in the most capable hands. I highly recommend David and know that anyone who has the opportunity to invest through him will be very happy with their decision.
Relationship to Financial Advisor: Client as of Mar 12, 2024
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Avatar for Valerie White
Valerie White

5 Stars

✅ Wealthtender Certified Advisor Review™
Mar 10, 2024
I highly recommend David R. from Wharton Wealth Planning. David helped my wife and I through some financial analysis for a house purchase, that included some complex factors including a commercial loan, tenant income calculation, and a comparative analysis versus other fully residential multi-unit properties. I had reached out to other planners before this, but they were not comfortable with such a complex scenario, but David handled it quickly and with ease. We even conversed back and forth on some additional potential scenarios that helped strengthen our conviction on making the right decision for our family. No hard sell, no conflict of interest, just great advice that was worth my time/money. Thanks again David!
Relationship to Financial Advisor: Client as of Mar 10, 2024
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Avatar for Chris D
Chris D

5 Stars

✅ Wealthtender Certified Advisor Review™
Mar 5, 2024
I have been dealing with David Rosenstrock at Wharton Wealth for the last seven years as he manages my elderly mother's portfolio. Prior to finding Wharton Wealth, my mother's assets were with a large national firm that churned her account repeatedly and produced lots of bills but not much capital appreciation. Now my mother gets positive returns every year. Managing a senior's financial wellbeing can be dicey as they age because of risk tolerance, time horizon, and estate planning related issues. My mother has a trust and has always wanted to leave money for her three children as inheritance. I found Mr. Rosenstrock to be an excellent listener and very knowledgeable about market history and performance, as well as other retirement topics. On a personal note, what I like best is that he is extremely conscientious about returning calls and emails quickly. For me, that's a big deal and very convenient versus previous experiences I have had with other advisors.
Relationship to Financial Advisor: Client as of Mar 5, 2024
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Avatar for H Kahn
H Kahn

Fiduciary commitment has been beneficial.

✅ Wealthtender Certified Advisor Review™
Oct 25, 2022
Working with David has been super insightful. From our very first call he was personable and committed to understanding my financial situation as a whole and figuring out how to implement strategies to ensure that I reach both my short and long term objectives. One of my early concerns from previous experiences was working with advisors who push certain products on clients and my experience with David has been the complete opposite. I am looking forward to planning my way to financial freedom with David’s help.
Relationship to Financial Advisor: Client as of Oct 25, 2022
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Avatar for Maurice T.
Maurice T.

My area of focus has been investing and retirement planning

✅ Wealthtender Certified Advisor Review™
Oct 10, 2022
I have been working with David for many years and he has given great advice! Highly recommend him. My area of focus has been investing and retirement planning and he has made a big difference and helped change my investments to give me great results. He is hard working and has a lot of expertise.
Relationship to Financial Advisor: Client as of Oct 10, 2022
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Avatar for Audrey D.
Audrey D.

David's financial planning services have helped a ton

✅ Wealthtender Certified Advisor Review™
Sep 26, 2022
We are definitely on a better track for the future now and understand where we need to focus. We are less stressed out about our finances and David's financial planning services have helped a ton.
Relationship to Financial Advisor: Client as of Sep 26, 2022
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Avatar for Larry O
Larry O

Highly Recommend Wharton Wealth Planning for Fiduciary Fee-Only Advisor Services

✅ Wealthtender Certified Advisor Review™
Sep 19, 2022
Dave helped me and my husband with a new home purchase analysis, some questions I had regarding our personal finances, and a review of our investments. He even gave us some added suggestions on areas I was not planning to cover and not familiar with. The financial plan he created for us was very thorough and worth the price. We would highly recommend him.
Relationship to Financial Advisor: Client as of Sep 19, 2022
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Avatar for Jan L.
Jan L.

Explains in easy to understand terms

✅ Wealthtender Certified Advisor Review™
Sep 19, 2022
From the moment I spoke to Dave, he was very focused on how he could best help me in my financial goals. He took time to explain in easy to understand terms and asked great questions that were helpful and showed understanding and consideration.
Relationship to Financial Advisor: Client as of Sep 19, 2022
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Avatar for Colin J.
Colin J.

This is the type of relationship and person you should look for when choosing a fee-only advisor.

✅ Wealthtender Certified Advisor Review™
Aug 25, 2022
David is an extremely amicable person and financial planner and he has a lot of value to offer. We have worked with David for many years and he has always made us feel valued and takes the time to get into the details. This is the type of relationship and person you should look for when choosing an advisor.
Relationship to Financial Advisor: Client as of Aug 25, 2022
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Avatar for Scott G.
Scott G.

Excellent Independent Investment Advisor for Retirement

✅ Wealthtender Certified Advisor Review™
Aug 22, 2022
David has been managing my grandmother's assets for several years. He identified several assets in her profile that were inappropriate for someone in her position, and immediately changed those items which saved her money instantly. Her new portfolio has made more than 40 thousand yearly as opposed to losing money for years prior. Although my grandmother's portfolio is less than many of this other client's, David has always treated her as his most important client. Our whole family is grateful to have found him! He was also helpful in changing her estate planning strategies.
Relationship to Financial Advisor: Client as of Aug 22, 2022
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Avatar for Sara K.
Sara K.

Very impressed with my experience and am glad I chose Wharton Wealth Planning

✅ Wealthtender Certified Advisor Review™
Aug 22, 2022
Dave scored top scores in all the categories I would judge an advisor on. He had a ton of great insights and really knew his subject matter well with respect to financial and investment planning. I was very impressed with my experience and am glad I chose him. I will definitely recommend to others.
Relationship to Financial Advisor: Client as of Aug 22, 2022
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Avatar for Laura E.
Laura E.
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Other Awards

The Women's Choice Award for Financial Advisors is the only recognition program for well-qualified advisers who are committed to the women's market and serving their female clients and qualifying for this award reaffirms their commitment to providing extraordinary service in addressing the financial needs of women and their families.

Award Disclosures

The Women’s Choice Award® Verified Financial Advisor program was created by WomenCertified Inc., the Voice of Women, to Simplify her life by doing the homework for her, which allows her to spend less time researching and struggling over choices in today’s cluttered marketplace and more time focusing on what really matters. When she chooses to work with a Women’s Choice Award® Verified Financial Advisor, she can be confident that she is choosing a thoroughly vetted advisor that caters to and understands the women’s market. This is the first and only recognition program for well-qualified advisors who are committed to the women’s market. It was started in 2013.

Women’s Choice Award Financial Advisors are Verified based on 17 objective criteria associated with providing quality service to women clients, such as educational and professional credentials, experience, and a favorable regulatory history, among other factors, including letters of validation and professional background checks. Financial advisors do not pay a fee to apply, be considered or qualify for the program. All qualified advisors are listed on womenschoiceaward.com. Once qualified, financial advisors may purchase additional marketing collateral such as licensed seal/badge usage, featured enhanced listing or additional promotional products. Verified advisors showing up in the featured listings on the site have paid a fee to appear there. The inclusion of a financial advisor within the WCA Verified Financial Advisor network should not be construed as an endorsement of the financial advisor by WomenCertified Inc. or its partners and affiliates and is no guarantee of quality of services provided to clients or future investment success.

Women’s Choice Award® Verified Financial Advisors represent less than 1% of financial advisors in the U.S. Advisors are verified on rolling basis throughout the year. Self-completed surveys were used for qualification.