White Lighthouse Investment Management, Inc.

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Client assets under management

$918,485,000

Clients

405

42% high-net worth

Advisors

of 9 employees

Firm type

Team

4-10 advisors or $500M+ in AUM

Clients per advisor

High

Average account size

$2,267,864

About

White Lighthouse serves individuals, families, small business owners, trusts, and retirement plans, including multinational families and clients with cross-border U.S. issues. The firm provides investment management, financial planning, and comprehensive wealth-management services with specialized offerings such as expatriation planning, inbound/outbound U.S. tax and estate planning, and planning for beneficiaries of foreign trusts.

The firm’s investment process begins with a discovery phase to determine goals, risk tolerance, and cash needs, and results in customized, diversified portfolios that rely largely on low-cost, liquid investments (primarily ETFs and mutual funds). Advisors generally manage accounts on a discretionary basis, seek tax-efficient implementation when appropriate, and require CFP®-level or comparable experience for those making allocation decisions; the firm also reviews human-approved outputs from any AI or automated tools used for research or administration.

Distinctive features include an explicit emphasis on international and cross-border planning and a business structure that includes related registered advisory entities and limited referral arrangements with other professional firms for complex engagements. The firm is fee-only, does not charge performance-based fees, and discloses that it pays limited referral fees to a small number of external advisers and a law firm for select high-net-worth clients.

Client services

Financial planning Portfolio management

Expertise

Cross-border / expatriate tax planning Retirement plans for business owners (SEP, solo 401k) General estate planning guidance Wealth management Tax strategies for small businesses

Occupation focus

Founder/Business Owner Retired

Demographic focus

Expats Intergenerational Families

Fee options

Fixed

Annual Fixed Fee: $10,000 (Professional Level); $40,000 minimum (Concierge Level)

Percentage

$0 - $1,000,000: Included in $10,000 Annual Fixed Fee (Professional Level) $1,000,001 - $2,000,000: 1.00% $2,000,001 - $5,000,000: 0.60% $5,000,001 - $10,000,000: 0.55% $10,000,001+: 0.50%

Project-based

Hourly rates between $450/hour to $1,000/hour for services beyond scope (Professional Level)

Other

Minimum fee: Annual Fixed Fee of $10,000 (Professional Level); Annual Fixed Fee minimum of $40,000 (Concierge Level) Fee-only: Firm is fee-only; receives no commissions or third-party payments.

Main office location

White Lighthouse Investment Management, Inc.

Bedford MA, United States

Number of offices

Most active in

California · Colorado · Connecticut · Florida · Massachusetts · New York · North Carolina · Texas

Disclosures

Business activities & affiliations

Is not 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.

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.

Accountant / CPA / tax prep

They offer tax and accounting services, typically for separate fees.

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.

Forms ADV

Form ADV Part 2: Client Brochure Form ADV Part 3: Client Relationship

Quick links

LinkedIn Facebook Website 508-471-4431

Advisors at this firm

Roberta T

CFP®, Series 66

Bedford, MA

White Lighthouse Investment Management, Inc.

Roberta Tondo is a CFP® professional with nine years of experience in financial advising. She is currently with White Lighthouse Investment Management, Inc. and has previously worked at Vanguard and Ameriprise Financial. White Lighthouse serves individuals, families, and small-business owners, including multinational families and a significant number of non-U.S. clients. The firm provides discretionary investment management and comprehensive wealth management services with a focus on long-term, tax-aware portfolio construction and cross-border planning.

Cross-border / expatriate tax planning Retirement plans for business owners (SEP, solo 401k) General estate planning guidance Wealth management Tax strategies for small businesses Founder/Business Owner Retired Expats Intergenerational Families

John Y

CFP®

Bedford, MA

White Lighthouse Investment Management, Inc.

John York is a CFP® professional at White Lighthouse Investment Management, Inc. in Bedford, MA, with four years of industry experience. Prior to joining White Lighthouse, he held roles at various firms including Software Spinner GmbH and Friedman LLP. White Lighthouse serves individuals, families, and small-business owners, including multinational families and many non-U.S. clients. The firm offers discretionary investment management, financial planning, and comprehensive wealth management with a focus on long-term, tax-aware portfolio construction and a cross-border advisory approach.

John W

CFP®

Bedford, MA

White Lighthouse Investment Management, Inc.

John Wanvig is a CFP® professional with seven years of experience and has worked at White Lighthouse Investment Management, Inc. since 2014 in various roles. He is based in Bedford, MA, and is part of a nine-advisor team. White Lighthouse serves individuals, families, and small-business owners, including multinational families and non-U.S. clients, offering discretionary investment management, financial planning, and comprehensive wealth management services. The firm emphasizes a cross-border focus with diversified, tax-aware portfolios and formal affiliations with non-U.S.-registered advisory entities and a foreign office to support complex international planning.

Jonathan L

CFP®

Bedford, MA

White Lighthouse Investment Management, Inc.

Jonathan Lachowitz is a CFP® professional with 15 years of industry experience. He has been with White Lighthouse Investment Management, Inc. since 2006 and also owns and operates a registered financial advisory firm in Lausanne, Switzerland, where he provides financial planning and investment management services. White Lighthouse Investment Management serves individuals, families, and small-business owners, including many non-U.S. clients, with a focus on discretionary investment management and comprehensive wealth planning. The firm emphasizes a cross-border approach, offering services tailored to complex international tax and estate planning needs.

Eva H

CFP®, Series 66

Bedford, MA

White Lighthouse Investment Management, Inc.

Eva Howland is a CFP® with eight years of industry experience, currently serving as a financial advisor at White Lighthouse Investment Management, Inc. She previously worked at Moseley Investment Management and Edward Jones. White Lighthouse Investment Management serves individuals, families, and small-business owners, including multinational and non-U.S. clients, offering discretionary investment management, financial planning, and comprehensive wealth management services with a focus on long-term, tax-aware portfolio construction and cross-border financial issues.

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