Advisor at St. Bernard Financial Services, Inc.
Data sourced from SEC public records (and other sources when available). Some details may be added by the advisor after claiming their profile. Refreshed daily • Updated today.
Firm
St. Bernard Financial Services, Inc.
Location
Russellville, AR 72801
Credentials
Series 63, Series 66
Industry experience
29 years
Kathleen White is a financial advisor with St. Bernard Financial Services, Inc. She holds Series 63 and Series 66 licenses and has 29 years of industry experience. Prior to joining St. Bernard in 2023, she worked at Sagepoint Financial, Inc. and has owned and operated Manzanita Insurance Agency since 2013, where she focuses on health insurance products including Medicare plans. St. Bernard Financial Services serves individuals, families, small businesses, trusts, and estates, offering investment advisory and brokerage services with a long-term, conservative growth approach based on Modern Portfolio Theory. The firm combines fee-based and commission-based solutions through its dual adviser and broker-dealer structure, emphasizing collaborative, largely non-discretionary account management.
Based on St. Bernard Financial Services, Inc.
Flat fee negotiable for certain advisory services.
$0 - $50,000: 2.00% annually $50,001 - $100,000: 1.75% annually $100,001 - $250,000: 1.50% annually $250,001 - $500,000: 1.25% annually $501,000 - $5 million: 1.00% annually $5 million+: Negotiable
Commissions received on certain variable insurance products and brokerage transactions; commission amounts vary by product.
$125 per hour for consultations and financial planning.
Fee-only: Hourly rate of $125 per hour for consultations and financial planning; typically 8 to 10 hours for a plan.
1609 West Main St.
Russellville, AR 72801
Arkansas · California
St. Bernard Financial Services, Inc.
2023 - Present (3 years)
Sagepoint Financial, Inc.
2016 - 2022 (6 years)
Manzanita Insurance Agency
2015 - Present (11 years)
Health Insurance Innovations
2013 - 2016 (3 years)
Php Agency Inc
2013 - 2016 (3 years)
Mediator Law Group
2013 - 2016 (3 years)
Ameritas Investment Corp
2013 - 2016 (3 years)
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
Is not active or affiliated with:
Bank
They're affiliated with a bank that may offer its own financial products and services.
Trust company
They provide trust and estate administration services, typically for separate fees.
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
Lawyer
They provide legal services, typically billed separately.
Real estate agent
They facilitate real estate transactions and may earn commissions.
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Series 63, Series 65
Russellville, AR
St Bernard Asset Management, Inc.
Series 65
Russellville, AR
5thn Financial LLC
CFP®
Russellville, AR
Valtrion Capital Management, LLC
Series 63, Series 65
Russellville, AR
St. Bernard Financial Services, Inc.
Series 63, Series 65
Russellville, AR
St. Bernard Financial Services, Inc.
Series 66
Russellville, AR
St. Bernard Financial Services, Inc.
Not sure where to start?
We'll help you think it through – whether you ultimately need an advisor or not.
Warmer provides personalized recommendations and introductions to independent fiduciary advisors. We do not supervise advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.
Each advisor listed on our site is an independent fiduciary responsible for their own advice. Warmer may receive fees from advisors for participation or referrals; these fees are paid by advisors and do not affect the fees clients pay for advisory services.
For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Please review an advisor's Form ADV and do your own diligence before entering into an advisory relationship.
By using our service, you agree to Warmer's Terms of Service and Advisory Agreement and Privacy Policy. Logos provided by Logo.dev
© 2026 Warmer Holdings Inc. ("Warmer")