{"url":"https://nivawealth.com/firms/whiterock-wealth-design-342236","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/342236","regulatoryAum":632891285,"crd":"342236","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"6451683","suffix":null,"lastName":"Cain","firstName":"Davis","middleName":"Wesley"},{"crd":"5962591","suffix":null,"lastName":"MEEKINS","firstName":"JEFFREY","middleName":"WILLIAM"},{"crd":"6962305","suffix":null,"lastName":"POTTER","firstName":"MATTHEW","middleName":"KYLE"},{"crd":"8008342","suffix":null,"lastName":"Robards","firstName":"Daniel","middleName":"Joseph"},{"crd":"7478802","suffix":null,"lastName":"Rycraw","firstName":"Abigail","middleName":"Leah"},{"crd":"5136610","suffix":null,"lastName":"WHITBECK","firstName":"ANDREW","middleName":"SCOTT"},{"crd":"5434456","suffix":null,"lastName":"WILKINSON","firstName":"ROBERT","middleName":"STEVEN"}],"total":7,"loadedAt":"2026-10-10T00:20:19.761928+00:00","sourceUrl":"https://reports.adviserinfo.sec.gov/reports/CompilationReports/IA_INDVL_Feed_10_09_2026.xml.zip"},"secFileNumber":"801-136429","legalName":"Whiterock Wealth Design, LLC","displayName":"WhiteRock Wealth Design","slug":"whiterock-wealth-design-342236","website":"https://whiterockwealthdesign.com/","classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"linkedinUrl":"https://www.linkedin.com/company/whiterockwealthdesign","founded":null,"organization":"Arkansas limited liability company","fiscalYearEnd":"December","headquarters":{"street":"4426 North Waterside Court 110","city":"Fayetteville","state":"AR","stateName":"Arkansas","country":"United States","postalCode":"72703"},"tradeNames":[],"registration":{"secApproved":"4 June 2026","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":864396.8180574556,"staff":{"employees":8,"advisory":7,"brokerDealerReps":0,"insuranceAgents":6,"promoters":0},"aum":{"regulatory":632891285,"discretionary":632891285,"discretionaryAccounts":1892,"nonDiscretionary":0,"nonDiscretionaryAccounts":0,"wrapProgram":null,"nonUsClientsPct":0,"nonAumClients":0},"clientTypes":[{"label":"Individuals (other than HNW)","clients":558,"regulatoryAum":172691131},{"label":"High-net-worth individuals","clients":173,"regulatoryAum":459182943},{"label":"Charitable organizations","clients":1,"regulatoryAum":352525},{"label":"Corporations and other businesses","clients":7,"regulatoryAum":664686}],"feePrograms":[{"role":"main","program":"Comprehensive Portfolio Management","feeBasis":"ceiling","fee_tiers":null,"sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1056446","versionId":1056446,"ratePeriod":"annual","fee_billing":"both","submittedOn":"2026-08-28","documentName":"FORM ADV PART 2A - FIRM BROCHURE","fee_rate_low":null,"fee_rate_high":2,"fee_negotiable":true,"minimum_account":null,"feeMinimumPeriod":null,"fee_minimum_annual":null},{"role":"other","program":"Financial Planning & Consulting","summary":"Financial planning and consulting are billed as a flat fee that will not exceed $50,000, set in the signed consulting agreement.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1056446","versionId":1056446,"submittedOn":"2026-08-28","documentName":"FORM ADV PART 2A - FIRM BROCHURE"},{"role":"other","program":"Retirement Plan Consulting","summary":"Retirement plan consulting is billed on a percentage of plan assets under management that will not exceed 1.00%, set in the signed consulting agreement.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1056446","versionId":1056446,"submittedOn":"2026-08-28","documentName":"FORM ADV PART 2A - FIRM BROCHURE"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed","checkedAt":"2026-10-22T08:01:26.669676+00:00","documents":[{"name":"FORM ADV PART 2A - FIRM BROCHURE","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1056446","versionId":1056446,"submittedOn":"2026-08-28"}]},"custodians":[{"name":"Charles Schwab & Co., Inc.","shortName":"Charles Schwab","location":"Westlake, TX","smaAssets":632891285}],"custodyNote":"WhiteRock Wealth Design has custody of $151M in client assets for 161 clients.","leadership":[{"name":"Andrew Whitbeck","title":"Chief Compliance Officer, Managing Member","crd":"5136610"}],"ownership":[{"label":"Blacktree, LLC","detail":"Holding company in the 50% to 75% ownership band and a control person, since May 2018."},{"label":"Clearpath LLC","detail":"Holding company in the 50% to 75% ownership band and a control person, since May 2018."},{"label":"Andrew & Ann Whitbeck Revocable Trust, U/T/D July 29, 2014","detail":"Indirect owner: a indirect owner of Blacktree, LLC in the 75% or more band and a control person, since May 2018.","parent":"Blacktree, LLC"},{"label":"Andrew Whitbeck","detail":"Indirect owner: trustee of Andrew & Ann Whitbeck Revocable Trust, U/T/D July 29, 2014 and a control person, since May 2018.","parent":"Andrew & Ann Whitbeck Revocable Trust, U/T/D July 29, 2014"},{"label":"Robbie & Erin Wilkinson Revocable Trust, U/T/D August 30th, 2012","detail":"Indirect owner: a indirect owner of Clearpath LLC in the 75% or more band and a control person, since May 2018.","parent":"Clearpath LLC"},{"label":"Robert Wilkinson","detail":"Indirect owner: trustee of Robbie & Erin Wilkinson Revocable Trust, U/T/D August 30th, 2012 and a control person, since May 2018.","parent":"Robbie & Erin Wilkinson Revocable Trust, U/T/D August 30th, 2012"},{"label":"Ann Whitbeck","detail":"Indirect owner: trustee of Andrew & Ann Whitbeck Revocable Trust, U/T/D July 29, 2014, since May 2018.","parent":"Andrew & Ann Whitbeck Revocable Trust, U/T/D July 29, 2014"},{"label":"Erin Wilkinson","detail":"Indirect owner: trustee of Robbie & Erin Wilkinson Revocable Trust, U/T/D August 30th, 2012, since May 2018.","parent":"Robbie & Erin Wilkinson Revocable Trust, U/T/D August 30th, 2012"}],"filedOffices":{"otherThanPrincipal":0,"privateResidences":0},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[{"state":"Arkansas","offices":1,"addresses":[{"street":"4426 North Waterside Court 110","city":"Fayetteville","headquarters":true}]}],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"479-439-5550","stateRegisteredReps":7,"otherAdviserReps":0,"compensation":["A percentage of assets under management","Fixed fees (other than subscription fees)"],"activities":["Financial planning services","Portfolio management for individuals and/or small businesses","Pension consulting services"],"financialPlanningClients":"0","assetMix":[{"label":"Exchange-traded equity securities","percent":99},{"label":"Cash and cash equivalents","percent":1}],"privateFunds":0},"sources":{"adv1FilingDate":"28 August 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/342236/PDF/342236.pdf","brochureDate":"28 August 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1056446","iapdCompiledDate":null,"retrievedDate":"15 October 2026","retrievedOn":"2026-10-15","updatedOn":"2026-10-22","holdingsUpdatedOn":"2026-10-21","adv1Pages":{},"brochurePages":{}},"otherBusiness":[],"faq":[{"question":"How many clients does WhiteRock Wealth Design have?","answer":"WhiteRock Wealth Design has 739 clients and manages $633 million for them, as of August 2026. They include 558 individual clients, 173 high-net-worth individuals, and 7 corporations and other businesses.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 28 August 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does WhiteRock Wealth Design offer?","answer":"WhiteRock Wealth Design provides financial planning, portfolio management for individuals and small businesses, and pension consulting.","source":"Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How much does WhiteRock Wealth Design charge?","answer":"WhiteRock Wealth Design charges up to 2.00% a year for its Comprehensive Portfolio Management. The fee is billed in advance or in arrears and is negotiable.","source":"FORM ADV PART 2A - FIRM BROCHURE, filed 28 August 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does WhiteRock Wealth Design use?","answer":"WhiteRock Wealth Design’s separately managed account assets are held at Charles Schwab & Co., Inc. (Westlake, TX), with $633M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 28 August 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does WhiteRock Wealth Design have?","answer":"WhiteRock Wealth Design has 7 investment adviser representatives registered with state securities authorities, out of 8 employees, and 7 perform investment advisory functions. 0 employees are registered representatives of a broker-dealer and 6 employees are licensed insurance agents.","source":"Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What does WhiteRock Wealth Design invest in?","answer":"At the end of its last fiscal year, WhiteRock Wealth Design’s separately managed accounts held 99% exchange-traded equities and 1% cash and equivalents.","source":"Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Who owns WhiteRock Wealth Design?","answer":"WhiteRock Wealth Design’s direct owners are Blacktree, LLC (50% to 75%) and Clearpath LLC (50% to 75%).","source":"Form ADV Part 1A, Schedules A and B, filed 28 August 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does WhiteRock Wealth Design get paid?","answer":"WhiteRock Wealth Design is paid through a percentage of assets under management and fixed fees. Its Form ADV lists no commissions or performance-based fees among how it is paid.","source":"Form ADV Part 1A, Item 5.E, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Is WhiteRock Wealth Design registered with the SEC?","answer":"Yes, WhiteRock Wealth Design has been registered with the SEC as an investment adviser since 4 June 2026. Its CRD number is 342236 and its SEC file number is 801-136429.","source":"Form ADV Part 1A, Item 1, filed 28 August 2026; IAPD firm record","sourceRef":{"doc":"adv1","section":"identity"}},{"question":"How do I contact WhiteRock Wealth Design?","answer":"WhiteRock Wealth Design’s main office is at 4426 North Waterside Court 110, Fayetteville, AR 72703. Its phone number is 479-439-5550. Its website is whiterockwealthdesign.com.","source":"Form ADV Part 1A, Item 1.F, filed 28 August 2026","sourceRef":{"doc":"adv1","section":"offices"}}],"holdings":null,"notice":"Compiled from public SEC Form ADV filings on the dates in `sources`. Facts as filed; not a rating, ranking, or recommendation. Niva is not affiliated with this firm. Disciplinary history is deliberately not included here or on the page; the SEC publishes the complete record at the `iapdUrl` above."}