Financial Planning


What Is It?

Everyone has a plan, either by design or by default. We have a comprehensive financial planning process designed to guide you toward your personal or business financial success. We focus on your investments, risk management, protection strategies, tax planning, wealth transfer and more. Your true advantage comes from applying our findings to match the needs and personalities of you, your family and/or business team. With our unique planning method, you gain the insight needed to be sure you are on the right track.

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Wealth Accumulation

The goal of accumulation planning is to build wealth and create the liquidity needed to meet the desired financial goals.

Accumulation Phase

We help our clients accumulate wealth for many reasons...

  • Financial independence
  • College education savings
  • Personal, business, and investment opportunities
  • Protect family and income
  • We help our clients accumulate wealth for many reasons

Preservation Phase

We help our clients preserve wealth by...

  • Proper asset allocation
  • Creating liquidity
  • Managing cash flow
  • Having proper insurance in place

Difficulties We Face:

  • Taxes – Managing taxes now and in the future
  • Investment Risk – Loss of principle
  • Inflation – Loss of purchasing power
  • Liquidity – Having money available without penalties
  • Asset Protection – Insuring you and your assets
  • Time – Not saving soon enough to attain goals
  • Debt – Paying too much interest
  • Procrastination – Delaying the implementation of a financial plan
Pre-Retirement Phases



Wealth Distribution

Millions of Baby Boomers are at or nearing retirement and face the challenge of securing an income stream that lasts their entire lifetime. The biggest fear for these clients is the fear of running out of money!

Click here to get your Social Security Benefits statement

Distribution Phase

We help our clients plan for distributions for…

  • Essential expenses such as food, clothing, healthcare, housing, etc.
  • Discretionary expenses
  • Extra-ordinary expenses
  • Emergency expenses

Estate Transfer Phase

We help our clients transfer wealth by…

  • Ensuring the right assets to the right people at the right time
  • making sure health care decisions and expenses will be managed properly
  • Charitable or special needs interests
  • implementing a formalized Business Succession Plan

Difficulties We Face:

  • Income – ensuring you don’t run out of money
  • Taxes – managing taxes
  • Investment risk – loss of portfolio value
  • Inflation – Loss of purchasing power
  • Health Care – Medical and long term care costs




Investment Management

Our wealth management process involves a thorough, precise and disciplined approach to investing. Your investment plan is based on your needs and customized to your goals and risk tolerance.


Customization – Our approach is to design each portfolio to meet the needs and goals of our clients. We plan a comprehensive investment strategy for your portfolio that takes into account our analysis of the current market and global economic conditions. It’s important to us that you are comfortable with the risk/return level of your portfolio.

Diversification – We diversify your portfolio globally as well as by investment style, industry and asset class to help you minimize risk while maximizing the opportunity for growth.

  • Mutual Funds
  • Annuities
  • Stocks, Bonds, ETF’s
  • Alternative Investments
  • 1031 Exchanges



Risk Management

Life Insurance

Life insurance is used to protect families, estates and businesses in case of a premature death and the buildup of cash can be used an accumulation ad distribution strategy. We investigate available options in order to utilize the tax efficiencies for goal planning, as well as providing the much needed death benefit for protection.

Types of Life Insurance include Term Insurance, Variable Life, Universal Life, Whole Life, Equity Indexed Life and Survivor Life.


Disability Income Protection

David White & Associates provides comprehensive income replacement for individuals and business owners. Some pertinent facts to consider:

One in four of today’s 20-year-olds can expect to be out of work for at least a year because of a disabling condition before they reach the normal retirement age.

Each year around 5% of working Americans will experience a short-term disability (six months or less) due to illness, injury, or pregnancy. Almost all of these are non-occupational in origin.

Types of Disability Income Insurance plans include Personal Income Protection, Business Overhead Expense Protection and Disability Buy-Out Coverage.

Source: 2021


Long Term Care Insurance

Provides You with Dignity, Freedom, Choice, Independence and Control

As our population ages, the importance of Long Term Care becomes increasingly apparent. Long Term Care refers to Activities of Daily Living (ADL's) including; bathing, dressing, eating, continence, toileting and transferring.

David White & Associates assists in determining how much and what type of Long Term Care insurance one should own. Types of long-term care insurance include traditional, hybrid, and asset-based policies. We have programs that will help offset the monthly cost of nursing care and in-home health care.

Click here to see average costs in your area


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Financial Calculators



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