White Pine Financial LLC

White Pine Financial is a registered investment adviser that serves individuals (including high-net-worth clients), trusts, estates, and small businesses, and it also provides setup and ongoing management for small business retirement plans. The firm offers investment advice, financial planning, discretionary portfolio management, and consulting services for plan design and participant education.

The firm’s investment approach centers on diversified asset allocation across equities and fixed income, primarily implemented with ETFs, and generally follows a long-term buy-and-hold strategy tailored to each client’s goals and tax situation. White Pine routinely performs tax-loss harvesting for most clients and practices tax-aware asset location, and it often recommends the use of margin accounts to improve withdrawal flexibility — a choice that carries additional leverage and maintenance risks.

Distinctive features include a small client base (34 clients) and roughly $36.4 million in assets under management, suggesting relatively high assets per client and a personalized service model, and principals with engineering and software backgrounds who continue to engage in outside software work. The firm also offers fixed-fee or retainer consulting for business-sale preparation and related projects, offsets portfolio management fees by retirement-plan service fees when appropriate to mitigate conflicts, and does not vote client proxies, leaving voting to clients.