Whisper EDU, operating as The Real Estate Whisperer, is a fee-based financial planning firm founded in 2022 and based in Monument, Colorado. The firm is owned and operated by Richard Arzaga, a Certified Financial Planner. Whisper EDU focuses exclusively on financial planning and consulting services, meaning they do not manage investment portfolios or hold client funds. Their core services include comprehensive evaluations of current and future financial conditions, household cash flow analysis, retirement strategies, risk management reviews, tax reduction strategies, estate preservation, and specialized real estate cash flow analysis through their proprietary tool, The Retirement Income Lab. The firm primarily serves high-net-worth individuals, families, and long-term real estate investors. Whisper EDU charges either hourly rates or flat fees for their planning engagements. Additionally, because the founder maintains licenses as an insurance agent and real estate referrer, he may occasionally offer insurance products or real estate referral services outside of the advisory practice, creating potential conflicts of interest that are mitigated by required disclosures and a legally required commitment to act in the client's best interest.
Fee Structure
- Comprehensive financial plan — Flat fee ranging from $7,500 to $12,500 depending on the complexity of your situation and unique needs
- Hourly consulting — $475 per hour for financial planning and consulting services