White, Dunkirk $ Price Investment Advisory Inc.

White, Dunkirk & Price Investment Advisory Inc. is a small independent advisory firm managing roughly $43 million for 18 clients, serving individuals (including high-net-worth clients), corporate pension and profit-sharing plans, and trust programs. The firm provides tailored investment advisory and financial planning services and recommends a range of investments such as equities, fixed income, mutual funds, ETFs, annuities and REITs.

The firm begins with a comprehensive review of each client’s financial circumstances and develops individualized investment strategies, monitoring accounts on a daily basis and delivering written reviews at regular intervals. Notably, WDP manages all client assets on a non‑discretionary basis, meaning it obtains client approval for the quantity, timing, broker selection and execution of trades rather than trading on clients’ behalf without prior consent.

The emphasis on a fully non‑discretionary model is uncommon among independent advisors and results in clients retaining direct control over trade decisions, which can affect the speed and implementation of portfolio changes compared with discretionary peers. The firm works with Charles Schwab for custody and clearing and discloses receipt of operational and practice‑support benefits through Schwab Advisor Services, a relationship the brochure identifies as a potential source of conflicts of interest that the firm seeks to manage.