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615.861.6100
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Whaling Wealth Team

Your Partner in Comprehensive Planning 

At the Whaling Wealth Team, we pride ourselves on client-centered wealth management. We know that every client has a unique set of circumstances, priorities, and goals. We provide investment planning, retirement planning, estate planning, and investment research. With regards to our clients, we help ensure that every strategy is tailored to fit each individual person. 

About Us

First, we’ll help you determine your individual and family goals. By discussing where you are today compared to where you would like to be in the future, we can ascertain what parts of your current financial plan may hinder your chances of attaining those goals. Finally, after several in-depth conversations, we’ll determine what asset allocation will be appropriate given your desired rate of return and risk tolerance.

Our aim is not to be your first financial advisor, but to be your last financial advisor. As part of our comprehensive approach, we often partner with estate planning attorneys, CPAs, and life insurance, disability, and long-term care providers in order to confirm we have all of the bases covered when it comes to your retirement. We take pride in providing exceptional customer service and forming deep and lasting friendships with our clients. With a strong focus on investment research, we specialize in helping each client achieve their financial goals.

We would love the opportunity to sit down with you for an initial consultation or an unbiased second opinion about your current financial plan. You can learn more about our team by calling our office directly at 210-382-8133 or requesting a welcome packet.

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Jeff Whaling and Family

Meet Our Team

Learn more about each of the dedicated members of the Whaling Wealth Team.

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Jeff Wayne Whaling
Jeff Wayne Whaling

Wealth Advisor, SageSpring | Financial Professional, RJFS 

210-907-7025

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Manny Gonzalez
Manny Gonzalez

CFP®

Vice President, SageSpring | Financial Advisor, RJFS 

210-907-7024

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Kathleen Kretschmer
Kathleen Kretschmer

Client Operations Associate, SageSpring 

210-907-7026

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Matthew Hance

Mentee, SageSpring 

210-899-1703

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Our Customized Services

Asset Management
When it comes to asset management, we take a holistic approach to diversification. We can and will utilize investment products such as equities, mutual funds, ETF’s, fixed income, commodities, and alternative investments. We spend a significant amount of time finding out what risk and reward expectations are suitable for the client. Having had a relationship with Dave Ramsey for the last 19 years, we pride ourselves on following the fiduciary standard to proper diversification. Every client strategy is customized to the client’s needs.
Estate Planning
When it comes to estate planning, we know that a clear understanding of each client’s goals and priorities is important. From establishing a will to leaving a legacy, we focus on ensuring each client feels confident and ready for their future. We have resources to help in all areas of estate planning, including working with attorneys, CPAs, and insurance specialists. We understand the importance of preparing for the future. We know that trust is needed in the process and we welcome the opportunity to perform.
Investment Research
Not only do we have extensive research and guidance from Raymond James Financial Services, we pride ourselves on helping clients receive quality returns based on their risk tolerance. Asset allocation is only one part of the financial picture. When we perform allocation, we aim to locate the highest performing funds located in their investment discipline. We know exactly how hard you work for your money. We want that money to work hard for you as well.
Investment Planning
Planning is the key to financial success. In life, we pass through several phases, each with different financial requirements. For example, the financial needs of a young married couple are not the same as those of a retired couple. That is why continuous, long-term planning is essential.

What to Expect at an Appointment

Step 1

We get to know you.
We learn about your family, hobbies, history, goals, what’s important to you, and what encouraged you to meet with us.

Step 2

We are transparent.
We want to make sure you completely understand our role as a financial advisor and how we can help you create a strong financial future.

Step 3

We work to understand your goals.
Through strategic questions pertaining to savings and how long you plan to work, we gather all the information needed to put together a strong financial plan.

Step 4

We introduce you to our tools.
We help you understand our process and the tools we use to formulate a savings and investment plan tailored to your specific goals.

Step 5

We create a lasting relationship.
Tailored to your needs, we develop a regular review plan with you to ensure your finances are on the right track.

Connect with Us

SageSpring is invested in more than just your finances. We are invested in you.
Connect with us today, and discover how our unique, holistic approach to financial planning can guide you to long-lasting peace and prosperity.

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Our Location

Street Address

227 N Loop 1604 E, Suite 160
San Antonio, Texas 78232

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Disclosure Information

© 2023 SageSpring Wealth Partners. Securities offered through Raymond James Financial Services, Inc., member FINRA / SIPC. Privacy Notice: Investment advisory services offered through SageSpring Wealth Partners., an independent registered investment adviser. SageSpring Wealth Partners or dba teams are not registered broker dealers and are independent of Raymond James Financial Services. Representatives may not register to offer securities and advisory services in all states.

Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.

Raymond James financial advisors may only conduct business with residents of the states and/or jurisdictions for which they are properly registered. Therefore, a response to a request for information may be delayed. Please note that not all of the investments and services mentioned are available in every state. Investors outside of the United States are subject to securities and tax regulations within their applicable jurisdictions that are not addressed on this site. Contact your local Raymond James office for information and availability.

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© 2023 |  Associated with Raymond James  |  Client Summary

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615.861.6100
Kathleen Kretschmer
Kathleen Kretschmer

Client Operations Associate, SageSpring 
210-907-7026

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Kathleen Kretschmer 

Client Operations Associate, SageSpring

With a bachelor’s degree from the University of the Incarnate Word in San Antonio, Kathleen Kretschmer has over 10 years of experience in management, leadership, and customer sales and service from her prior roles.

At SageSpring, Kathleen is currently responsible for managing the Gonzalez and Whaling Wealth Teams’ San Antonio office needs to ensure all clients have an exceptional experience. Kathleen also works to improve efficiencies and operations in all aspects of client interactions and is responsible for onboarding new clients, money movement, and account maintenance.

Before joining the team, Kathleen was led to SageSpring as a client, and she loves the company culture. Above all, Kathleen appreciates the company’s core values and that a focus on family is truly important.

Outside of work, Kathleen spends the majority of her time with her three amazing grandchildren and has three children. When not spending time with family, Kathleen enjoys gardening and is an avid sports fan. 

Jeff Wayne Whaling
Jeff Wayne Whaling

Wealth Advisor, SageSpring | Financial Professional, RJFS  
210-907-7025

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Jeff Wayne Whaling  

Wealth Advisor, SageSpring | Financial Professional, RJFS

Jeff Whaling is a Wealth Advisor for SageSpring Wealth Partners, part of the Raymond James network. He specializes in providing comprehensive financial advice to his clients. This includes strategies for the beginning investor as well as the more sophisticated investor with a more complex investment diversification.

As a part of Raymond James, our team is a group of INDEPENDENT advisors. We have a fiduciary platform and commitment to each and every client. We are focused on the absolute best investment strategies to help you with your financial needs whether it be retirement, tax planning, 529’s, etc.

Jeff’s family is from the area of Helotes, TX. He has 3 children who have attended Helotes Elementary, Kuentz Elementary, Garcia Middle School, and O’Connor High School (all in the Northside Independent School District). Jeff joined the Southwestern Family of Companies by first selling books in college with the company’s summer internship program. After graduating from Oklahoma State University, he became a sales leader with the company and continued helping college students run a successful business, while building communication skills and developing deep, personal growth. These campuses included the University of Oklahoma (where Jeff earned an MBA in finance), University of Arkansas, and many other colleges in the greater Oklahoma area.

He was later invited to join the school fundraising side of Southwestern, Great American Opportunities. He achieved the rank of Vice-President of Experienced Salespeople and was responsible for fundraising professionals all across the country.

After building successful sales organizations over 28 years, Jeff was invited to join SageSpring Wealth Partners (formerly Southwestern Investment Group) to help open the San Antonio office. He enjoys running marathons, playing basketball, and keeping up with the kids activities. He currently has his series 7, series 66, and life and annuity insurance license. He also has an MBA in Finance from the University of Oklahoma. 

Manny Gonzalez
Manny Gonzalez

CFP®

Vice President, SageSpring | Financial Advisor, RJFS
210-907-7024

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Manny Gonzalez 

Vice President, SageSpring | Financial Advisor, RJFS

One extremely important aspect of our team is that we are INDEPENDENT advisors. By being completely independent, our allegiance is with the client and not with any particular product. Rather, we have access to thousands of Mutual Funds, Stocks, Bonds, Certificates of Deposits, Money Market Accounts, Section 529 College Savings Plans, fifty Private Money Management Firms, and thousands of Insurance Products on the market.

Manny grew up in the Hill Country of Kerrville, TX and he attended Texas State University where he graduated with a degree in Finance. Manny first established his relationship with Southwestern by selling books for the company’s summer internship program while attending college. After graduating, he continued working with the Southwestern Company as a sales manager with Southwestern. He helped coach college students on running an effective business, building their communication skills and developing personal growth. He was responsible for hiring, training and managing college students at Texas State University, the University of Texas, UTSA and the University of South Florida.

After building a successful organization over eight years with our parent company, Manny was invited to join SageSpring Wealth Partners (formerly Southwestern Investment Group). Manny currently lives in New Braunfels, TX with his beautiful wife and two young boys. He enjoys spending time playing city league football, classic cars, softball, fishing, hunting, and taking his dog “Dugger” to the park. He currently has his series 7, series 66, and life and annuity insurance license. 

Jeffrey Dobyns
Jeffrey T. Dobyns

CFP®, CLU, CHFC

President, SageSpring | Financial Advisor, RJFS 
615-861-6102

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Jeffrey T. Dobyns

President, SageSpring | Financial Advisor, RJFS

Jeff Dobyns is President and Founder of SageSpring Wealth Partners. Passionate about serving his clients, he strives to truly get to know them, understand their goals, and provide them with financial confidence before developing and executing ongoing, strategic financial plans. 

In order to meet the highest standards of professionalism and ethics in the industry, Jeff is a CERTIFIED FINANCIAL PLANNER™ professional, a Chartered Life Underwriter, a Chartered Financial Consultant, and a participant of the Dave Ramsey SmartVestor referral service program.

Jeff has held executive positions with financial planning firms for more than two decades. He served as VP of Investments of Lykins Financial Group CPAs before founding SageSpring in 2002. Jeff has been recognized for his unwavering commitment to his clients, and as a leader among Raymond James financial advisors, earning membership in Raymond James Chairman’s Council every year since 2008.

Jeff devotes considerable time and resources to a number of causes. He serves as Chairman of the Board of Men of Valor, a prison ministry and mentoring program. He is on the advisory board of The Signatry of Middle Tennessee, which works with families to increase their charitable giving to their favorite causes, as well as the advisory board for Halftime Institute of Nashville, an organization that coaches marketplace leaders to discern and engage in their life purpose. Jeff also serves on the board of Send Musicians to Prison, which shares hope, healing and restoration with the imprisoned through musicians & artists. He is a past board member of Porter’s Call, a Nashville charity that provides free counseling for musicians and their families, and the Martha O’Bryan Center, which empowers those in poverty to transform their lives through work, education, employment, and fellowship.

Jeff and his wife, Amy, are grateful to be raising their four children, Gracyn, Hunter, and twins Tanner and Logan at Christ Presbyterian Academy. Jeff enjoys being outdoors with his family- boating, hiking, skiing, hunting and fishing.

Ramsey Solution’s relationship and agreement is between SageSpring Wealth Partners only. Raymond James Financial Services, Inc. is not affiliated with the solicitor arrangement between Ramsey Solutions and SageSpring Wealth Partners.

Membership is based on prior fiscal year production. Re-qualification is required annually.  The ranking may not be representative of any one client’s experience, is not an endorsement, and is not indicative of an advisor’s future performance. No fee is paid in exchange for this award/rating.

Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.