# Michael Kwiatkowski

> Michael Kwiatkowski is a fee-only financial advisor at WHTG Wealth Management in Landenberg, Pennsylvania, who holds the CFA credential. Michael focuses on retirement planning. WHTG Wealth Management reports charging a percentage of assets on its Form ADV.

Page: https://find.wellspent.co/advisors/michael-kwiatkowski/
Built from SEC adviser records and the firm's website; last checked October 30, 2026.

## Facts

- **Firm:** WHTG Wealth Management
- **Based in:** Landenberg, Pennsylvania
- **Fee model (firm's Form ADV):** Percentage of assets
- **Assets under management (firm):** $2.4M across 29 accounts
- **Credentials:** CFA
- **Specialties:** Retirement planning
- **CRD:** 4321194 (https://adviserinfo.sec.gov/individual/summary/4321194)
- **SEC registration:** Investment adviser representative in DE, PA
- **Exams passed:** Series 63 (2001), Series 65 (2001)
- **Firm size:** 1 employee
- **Disclosures:** None reported
- **Website:** http://www.whtgwealth.com/

## Frequently asked questions

### Is Michael Kwiatkowski a fee-only financial advisor?

Yes, according to SEC records as of October 29, 2026: Michael holds no broker registration, and WHTG Wealth Management reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency on its Form ADV.

### How does Michael charge for financial advice?

Michael's firm, WHTG Wealth Management, reports charging a percentage of assets on its SEC Form ADV.

### Where is Michael Kwiatkowski based?

Michael Kwiatkowski is based in Landenberg, Pennsylvania.

### What does Michael specialize in?

Michael's specialties include retirement planning.

### What credentials does Michael Kwiatkowski hold?

Michael Kwiatkowski holds the CFA credential.

### Is Michael Kwiatkowski registered with the SEC?

Yes. Michael Kwiatkowski is registered as an investment adviser representative in DE and PA (CRD 4321194), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does WHTG Wealth Management manage?

WHTG Wealth Management reports $2.4M across 29 accounts in assets under management.

### How do I contact Michael Kwiatkowski?

Through Michael's website, www.whtgwealth.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/4321194): the firm's Form ADV reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency, and the advisor holds no broker registration
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 29, 2026
- The firm's website (https://www.whtgwealth.com/): specialties, clients served, and fees, checked October 30, 2026

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