Phillip B. White Co., Inc
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client AUMClient assets under management
$308,527,349
Clients
243
Advisors
2
of 2 employees
About
Phillip B. White Co., Inc. provides personalized financial planning and investment management for individuals, small pension and profit‑sharing plans, trusts, estates, charitable organizations and small businesses. The firm manages discretionary accounts for a concentrated client base and offers other planning services on an hourly or flat‑fee basis.
The firm typically implements strategic asset allocation using a core‑and‑satellite approach across no‑load and low‑load mutual funds and ETFs, and it may recommend or place assets with third‑party money managers or TAMPs when appropriate. Advisors operate with discretionary trading authority under a limited power of attorney, deliver periodic performance and net‑worth reporting, and conduct quarterly account reviews with more frequent reviews as market or client circumstances warrant.
What distinguishes the firm from many peers is its affiliation with an insurance brokerage: advisory affiliates are licensed insurance brokers who may receive commissions for insurance products they sell to clients, a potential conflict the firm discloses while maintaining that the advisory entity itself operates on a fee‑only basis. The firm also combines a relatively large asset base for a small advisory team with documented operational safeguards (including encrypted offsite backups and business continuity planning) and the use of third‑party custodial and research services.
Client services
Expertise
Fee options
Negotiable flat fees may be charged for certain services
$0 - $500,000: 1.25% $500,001 - $1,000,000: 1.00% $1,000,001 - $2,000,000: 0.75% $2,000,001 - and up: 0.50%
$250 per hour with a $500 minimum
Account minimum: $500,000 Minimum fee: $6,250 minimum annual fee, negotiable Fee-only: Yes, firm is strictly fee-only financial planning and investment management
Main office
11573 Los Osos Valley Road, Suite D
San Luis Obispo CA 93405
Advisors at this office
2
Most active in
Arizona · California · Oregon · Texas · Washington
Also doing business as
Philip B. White Co., Inc. · Phillip B. White Co., Inc · Phillip B. White Co., Inc.
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Is not active or affiliated with:
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Advisors at this firm
Zachary W
CFP®, Series 63
San Luis Obispo, CA
Phillip B. White Co., Inc
Zachary White is a CFP® certificant affiliated with Phillip B. White Co., Inc. in San Luis Obispo, CA, with 11 years of industry experience. He has held positions at Securities America Advisors and Foothill Securities Inc., and he also provides insurance brokerage services related to life, disability, LTC, and property and casualty policies. Phillip B. White Co., Inc. offers personalized financial planning and investment management for individuals, small pension and profit-sharing plans, trusts, estates, charitable organizations, and small businesses. The firm employs a core-and-satellite asset allocation strategy using no-load and low-load mutual funds and ETFs, while also maintaining affiliations with insurance brokerage services and third-party custodial and research providers.
Bruce W
CFP®, Series 63
San Luis Obispo, CA
Phillip B. White Co., Inc
Bruce White is a CFP® with 45 years of industry experience, currently serving at Phillip B. White Co., Inc. He has held positions at Securities America, Inc. and Foothill Securities, Inc. Prior to his advisory roles, he has been involved in insurance sales through his ownership and supervision of an independent insurance brokerage specializing in personal lines property and casualty insurance as well as life and disability policies. Phillip B. White Co., Inc. provides personalized financial planning and investment management for individuals, small pension and profit-sharing plans, trusts, estates, charitable organizations, and small businesses. The firm employs a core-and-satellite asset allocation strategy using no-load and low-load mutual funds and ETFs, with discretionary trading authority granted to advisors, and combines this with a notable affiliation with an insurance brokerage.
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