# Ginger Ames

> Ginger Ames is a fee-only financial advisor at Whisper Financial LLC in Cobb, California, who holds the CFP and EA credentials. Ginger focuses on crypto & digital assets. Whisper Financial LLC reports charging a percentage of assets, hourly fees and fixed fees on its Form ADV.

Page: https://find.wellspent.co/advisors/ginger-ames/
Built from public directory listings; last checked April 21, 2026.

## Facts

- **Firm:** Whisper Financial LLC
- **Based in:** Cobb, California
- **Fee model (firm's Form ADV):** Percentage of assets; Hourly; Fixed fees
- **Assets under management (firm):** $1.6M across 23 accounts
- **Credentials:** CFP, EA
- **Specialties:** Crypto & digital assets
- **Works with:** Mid-life transitions
- **CRD:** 6769744 (https://adviserinfo.sec.gov/individual/summary/6769744)
- **SEC registration:** Investment adviser representative in CA
- **Exams passed:** Series 65 (2021)
- **Firm size:** 1 employee
- **Disclosures:** None reported
- **Website:** https://whisperfinancial.sh

## Frequently asked questions

### Is Ginger Ames a fee-only financial advisor?

Yes. Ginger Ames is listed in the NAPFA directory (NAPFA admits only fee-only advisors) and the XY Planning Network directory (XYPN members are fee-only). SEC records as of October 27, 2026 show no broker registration and no commission compensation reported by Ginger's firm.

### How does Ginger charge for financial advice?

Ginger's firm, Whisper Financial LLC, reports charging a percentage of assets, hourly fees and fixed fees on its SEC Form ADV.

### Where is Ginger Ames based?

Ginger Ames is based in Cobb, California.

### What does Ginger specialize in?

Ginger's specialties include crypto & digital assets. Ginger works with mid-life transitions.

### What credentials does Ginger Ames hold?

Ginger Ames holds the CFP and EA credentials.

### Is Ginger Ames registered with the SEC?

Yes. Ginger Ames is registered as an investment adviser representative in CA (CRD 6769744), per SEC Investment Adviser Public Disclosure data as of October 27, 2026.

### How much does Whisper Financial LLC manage?

Whisper Financial LLC reports $1.6M across 23 accounts in assets under management.

### How do I contact Ginger Ames?

Through Ginger's website, whisperfinancial.sh.

## Sources

- NAPFA directory listing (https://www.napfa.org/find-an-advisor/firm/48081): NAPFA admits only fee-only advisors
- XY Planning Network directory listing: XYPN members are fee-only
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 27, 2026
- The firm's website (https://www.whisperfinancial.sh/): specialties, clients served, and fees, checked October 28, 2026

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Source: Wellspent, the public graph of fee-only advisors (https://find.wellspent.co). No paid placement.