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White Pine Financial LLC

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Client assets under management

$32,039,773

Clients

34

50% high-net worth

Advisors

2

of 2 employees

Firm type

Supported

1-3 advisors or $200M+ in AUM

More info

Clients per advisor

17

Very Low

Average account size

$942,346

About

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.

Client services

Financial planning Portfolio management Pension consulting

Expertise

Tax-loss harvesting Retirement plans for business owners (SEP, solo 401k)

Occupation focus

Founder/Business Owner

Fee options

Fixed

Fixed fees for consulting services as agreed in advance, not based on assets under management

Percentage

$0 - $50,000: 2.0% $50,001 - $100,000: 1.8% $100,001 - $250,000: 1.6% $250,001 - $500,000: 1.4% $500,001 - $1,000,000: 1.2% $1,000,001 - $2,000,000: 0.9% $2,000,001 - $3,000,000: 0.8% $3,000,001+: 0.7%

Other

Minimum fee: $2,500 minimum annual fee for 401(k) plans; $800 minimum annual fee for Solo 401(k); $4,000 minimum annual fee for pooled plans Fee-only: Fixed fees or retainers for consulting services, billed on a flat or monthly basis agreed upon in advance

Main office location

White Pine Financial LLC

Draper UT, United States

Number of offices

2

Most active in

More info

Arizona · Texas · Utah

Disclosures

More info

Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.

Business activities & affiliations

More info

Forms ADV

Form ADV Part 2: Client Brochure

Quick links

LinkedIn Facebook Website 801-839-5730

Advisors at this firm

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user avatar

Robert J

Series 65

Draper, UT

White Pine Financial LLC

Robert Jacobs is a financial advisor at White Pine Financial LLC in Draper, UT, holding a Series 65 designation with 17 years of industry experience. He has worked at White Pine Financial since 2019 and also serves as managing partner of Juniper Consulting Group, a software consulting business. His prior experience includes roles at Optum Services, Inc. and operating Jacobs Equity dba Palisade Wealth Management. White Pine Financial provides investment advice, financial planning, and portfolio management primarily to individuals, high-net-worth clients, trusts, estates, and small businesses. The firm follows a long-term buy-and-hold strategy focused on publicly traded equities and fixed income, utilizing exchange-traded funds and tailored asset allocation based on client profiles.

Tax-loss harvesting Retirement plans for business owners (SEP, solo 401k) Founder/Business Owner
user avatar

Nathaniel J

Series 65

Queen Creek, AZ

White Pine Financial LLC

Nathaniel Jacobs is a financial advisor at White Pine Financial LLC with one year of industry experience. He holds a Series 65 designation and has a background in software development engineering at Amazon. His prior experience includes roles at Brigham Young University, the University of Utah, and The Church of Jesus Christ of Latter-day Saints. White Pine Financial provides investment advice, financial planning, and portfolio management to individuals, high-net-worth clients, trusts, estates, and small businesses. The firm employs a long-term buy-and-hold strategy focused on publicly traded equities and fixed income, utilizing exchange-traded funds and tailored asset allocation, with regular account reviews and tax-efficient management.

Tax-loss harvesting Retirement plans for business owners (SEP, solo 401k) Founder/Business Owner
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