What is a fiduciary financial advisor?

A fiduciary is legally required to act in your best interest. Unlike commission-based brokers, fee-only fiduciaries like Narragansett Wealth Partners are compensated only by clients — with no incentive to recommend products that benefit the firm.

What does fee-only mean?

Fee-only advisors are paid directly by clients through flat fees, hourly rates, or a percentage of assets under management. They receive no commissions, referral fees, or product incentives of any kind.

How do I get started with Narragansett Wealth Partners?

Schedule a complimentary consultation. There is no obligation or cost. We will review your financial situation, discuss your goals, and determine whether our services are the right fit for your needs.

Fiduciary Standard · Independent Advisory · Providence, RI

Your Wealth, Expertly Navigated.

Fee-only · No commissions · Fiduciary standard · Independent since 1994

We are legally and ethically obligated to act in your interest — exclusively yours. No commissions, no product incentives, no conflicts. Just personalized, fee-only guidance built for long-term financial clarity and lasting family wealth.

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Our Process

How We Work
Together

Wealth management begins with a conversation. Here is what to expect from the moment you reach out.

Discovery & Goals

We begin with a thorough, unhurried conversation about your financial life — your goals, concerns, family, and timeline. No pressure. No assumptions. Just listening.

Personalized Strategy

Your advisor develops a tailored investment plan aligned to your values, risk tolerance, and objectives. Every decision is documented, explained, and yours to approve before anything moves.

Ongoing Partnership

Wealth management is not a one-time event. We meet regularly to review, adjust, and ensure your plan stays aligned with your life — through every stage of it.

Market Perspective

Market
Perspective

Long-term discipline — not short-term market movements — drives lasting wealth. These figures give context to our investment conversations. We believe in evidence-based strategy, staying the course, and tuning out the noise.

SPX

S&P 500

▲ BULL

5,892.41

+42.18 (+0.72%)

COMP

NASDAQ Composite

▲ BULL

18,704.92

+128.35 (+0.69%)

DJIA

Dow Jones Industrial

▼ NEUTRAL

43,112.07

-87.44 (-0.20%)

RUT

Russell 2000

▲ BULL

2,214.55

+18.92 (+0.86%)

What We Do

Our Advisory
Services

Comprehensive financial guidance tailored to your life, your goals, and your legacy — delivered by credentialed professionals with decades of New England experience.

Wealth Management

Comprehensive portfolio management tailored to your individual goals, risk tolerance, and time horizon — active oversight, every step of the way.

Personalized investment policy statements
Tax-efficient portfolio construction
Regular performance reviews & rebalancing
Multi-asset diversification strategies

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Retirement Planning

Strategic planning for income security, distribution timing, Social Security optimization, and long-term financial independence through every stage of retirement.

Required Minimum Distribution planning
Social Security timing optimization
Healthcare & long-term care planning
Income gap analysis & drawdown strategies

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Trust Services

Establishment and ongoing administration of revocable and irrevocable trusts — protecting your assets, honoring your intentions, and preserving your family legacy.

Revocable & irrevocable trust setup
Trustee & co-trustee services
Beneficiary management
Trust accounting & reporting

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Estate Administration

Expert guidance through the complexities of estate settlement, wealth transfer, and probate — reducing burden and preserving value during difficult transitions.

Probate & estate settlement guidance
Beneficiary coordinated distributions
Estate tax minimization strategies
Coordination with estate attorneys

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Institutional Portfolio Management

Disciplined investment solutions for nonprofits, endowments, foundations, and institutions — balancing mission, liquidity, and sustainable return objectives.

Investment policy statement development
UPMIFA-compliant endowment management
Mission-aligned investment screening
Board reporting & fiduciary education

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Employee Benefit Services

401(k) plan management and corporate retirement plan consulting — helping businesses attract talent, reduce liability, and improve employee financial wellness.

401(k) plan design & oversight
ERISA fiduciary compliance
Participant education programs
Plan benchmarking & fee analysis

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Our Approach

The Narragansett
Philosophy

Fiduciary First

As an independent fiduciary advisory firm, we are legally and ethically obligated to act in your best interest — every recommendation, every decision, every day.

Evidence-Based Investing

We reject speculation and market-timing. Our strategies are grounded in decades of academic research — low-cost diversification, factor investing, and disciplined rebalancing.

Risk Management Precision

Every portfolio is stress-tested against historical market cycles. We design for worst-case scenarios so your plan survives — and thrives — regardless of market conditions.

Long-Term Thinking

Wealth is built over decades, not days. We align your portfolio with generational objectives, filtering out short-term noise that derails most investors.

Personalized Relationships

No two financial lives are identical. Your advisor learns your complete picture — family, goals, fears, and aspirations — to deliver truly customized guidance, not product sales.

Plan Your Future

Retirement Growth
Calculator

Estimate your retirement potential. All projections are illustrative — schedule a consultation for a personalized plan.

Current Age

Retirement Age

Current Savings ($)

Monthly Contribution ($)

Expected Annual Return (%)

7.0%

Future Value

Monthly Income Est.

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Who We Are

Rooted in Providence.
Built on Trust.

For over three decades, Narragansett Wealth Partners has served the families, institutions, and businesses of New England with the same unwavering commitment that this region was founded upon — integrity, independence, and a long view of the future.

We are an independent fiduciary advisory firm. That means we have no products to sell, no commissions to earn, no conflicts of interest to hide. When you work with us, your financial interests and ours are perfectly aligned.

Our team holds credentials including the Certified Financial Planner (CFP®), Chartered Financial Analyst (CFA®), Certified Trust and Fiduciary Advisor (CTFA), and Chartered Alternative Investment Analyst (CAIA) designations — among the most rigorous in the financial services industry.

Our Fiduciary Pledge

We are legally and ethically obligated to act in your best interest — not ours. This is not a marketing statement. It is a binding legal obligation we embrace without reservation.

Meet the Advisors

Experienced.
Credentialed. Committed.

Our advisors bring decades of combined experience managing wealth for families and institutions across New England — backed by the industry's most recognized credentials.

Jonathan P. Whitfield

Founder & Managing Principal

CFP® CFA 30+ Yrs

Jonathan founded Narragansett Wealth Partners after 15 years at major Boston institutions. He specializes in multi-generational wealth strategy, estate planning integration, and portfolio construction for high-net-worth families.

Multi-Gen Wealth Estate Integration HNW Portfolios

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Margaret E. Harlow

Director of Wealth Planning

CFP® CTFA 22 Yrs

Margaret leads our comprehensive financial planning practice, specializing in retirement income strategy, trust planning, and the unique financial challenges facing women in transition — divorce, widowhood, and inheritance.

Retirement Income Trust Planning Life Transitions

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Robert A. Collings

Senior Portfolio Manager

CFA CAIA 18 Yrs

Robert oversees investment strategy and portfolio construction across all client mandates. His background includes institutional asset management and alternative investment analysis for endowments and foundations.

Portfolio Strategy Alternatives Endowments

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Diane L. Newcomb

Trust & Estate Specialist

J.D. CTFA 14 Yrs

Diane brings legal expertise and trust administration experience to guide clients through estate settlement, trust administration, and complex wealth transfer planning — working closely with estate attorneys and CPAs.

Trust Administration Estate Settlement Wealth Transfer

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Client Perspectives

What Our Clients
Are Saying

★★★★★

"After 20 years at a large wirehouse, I never truly understood what I owned or what I was paying. After one conversation with Jonathan, that changed. He mapped a clear retirement path, simplified our portfolio, and cut our fees significantly. For the first time, I genuinely believe we're going to be okay."

Thomas R.

Providence, RI · Client since 2018

★★★★★

"When my husband passed, I was overwhelmed. Margaret stepped in immediately — managing the estate, restructuring our income strategy, and explaining every step with patience. Three years later, my finances are in better shape than ever. I'm grateful for that relationship every day."

Sandra L.

Duxbury, MA · Client since 2020

★★★★★

"Our foundation required a fiduciary with a rigorous, documented process. Robert presented a portfolio strategy our board approved unanimously. He attends our quarterly meetings, communicates proactively, and has delivered consistent results over five years. That level of partnership is rare."

George M.

Marshfield, MA · Foundation Trustee

Research & Commentary

Market Insights &
Economic Outlook

Featured Analysis

Fed Rate Policy & Portfolio Strategy: What Investors Need to Know in 2026

As the Federal Reserve navigates its delicate balancing act between inflation control and economic growth, the implications for equity, fixed income, and alternative allocations are significant. Our senior portfolio team breaks down three scenarios and their impact on diversified portfolios.

Robert A. Collings, CFA, CAIA January 2026

Read Full Analysis

Retirement Planning

2025 RMD Changes: What Retirees Must Prepare For

The SECURE 2.0 Act continues to phase in — critical updates to required minimum distributions, catch-up contributions, and inherited IRA rules.

Margaret E. Harlow, CFP®December 2025

Estate Planning

Sunset Provision Alert: Estate Tax Exemption Changes Ahead

The current elevated estate tax exemption is set to sunset. High-net-worth families should act now to capture planning opportunities before the window closes.

Diane L. Newcomb, J.D.November 2025

Market Commentary

Q4 2024 Market Review: Resilience Amid Uncertainty

Despite geopolitical headwinds and rate uncertainty, diversified portfolios demonstrated the value of disciplined long-term strategy over the past quarter.

Jonathan P. Whitfield, CFP®October 2025

Get in Touch

Schedule Your
Consultation

Your first meeting is complimentary. We'll review your current financial picture and share how Narragansett can help you achieve your goals.

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Office Information

Address

100 Westminster Street, Suite 1500
Providence, RI 02903

Phone

(401) 555-0192

Email

info@narragansettwealth.com

Business Hours

Monday – Friday8:30 AM – 5:00 PM SaturdayClosed SundayClosed

Your Wealth, Expertly Navigated.