White Pine Investment Co

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Client assets under management

$518,403,585

Clients

326

33% high-net worth

Advisors

of 7 employees

Firm type

Team

4-10 advisors or $500M+ in AUM

Clients per advisor

109

High

Average account size

$1,590,195

About

White Pine Investment Company provides fee‑only investment management and financial planning to individuals, pension and profit‑sharing plans, trusts, estates, charitable organizations, and business entities. The firm manages client accounts on a discretionary basis (over $518 million discretionary as of 12/31/2025) and supplements ongoing portfolio services with estate‑planning coordination and project‑based consulting engagements.

The firm uses a mix of fundamental, technical, cyclical and charting analysis and implements portfolios with individual securities, ETFs and mutual funds tailored to documented client goals and Financial Plan Reviews. White Pine conducts quarterly account reviews and delivers written quarterly updates and other periodic communications, and it relies on client‑provided information while asking clients to review any estate planning documents prepared by third‑party providers.

What is noteworthy relative to peers is the firm’s prior disclosure of an affiliation with Five Needles Estate Planning Services, PLLC — a relationship that was removed from the brochure in the March 2026 update — and its explicit use of separate, fixed‑scope Statements of Work for certain specialized estate and consulting services. The brochure also emphasizes regular, written client communications (including a realized gain/loss report in January), and documents the firm’s participation in educational conferences and events made available through service providers.

Client services

Financial planning Portfolio management Selection of other advisers Newsletters or periodicals Educational seminars or workshops

Expertise

General retirement planning Cash flow / budgeting College savings (529s, UTMA, etc.)

Fee options

Fixed

Flat fees for certain specialized services (e.g., estate planning) agreed upon in separate written Statement of Work or Addendum; billed in arrears.

Percentage

$0 - $500,000: 1.10% $500,001 - $1,000,000: 0.90% $1,000,001 - $2,000,000: 0.70% $2,000,001 - $4,000,000: 0.60% $4,000,001 - $8,000,000: 0.45% $8,000,001 - $12,000,000: 0.30% $12,000,001+: 0.15%

Other

Account minimum: $500,000 Fee-only: Strictly fee-only investment management firm; no commissions or finders’ fees accepted.

Main office location

White Pine Investment Co

17199 Laurel Park Dr North, Suite 220

Livonia MI 48152, United States

Number of offices

Most active in

Florida · Illinois · Indiana · Michigan · New Hampshire · North Carolina · Ohio · Texas

Disclosures

Business activities & affiliations

Is active or affiliated with:

Lawyer

They provide legal services, typically billed separately.

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.

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 X Website 734-464-2532

Advisors at this firm

William J

CFP®, Series 63, Series 65

Livonia, MI

White Pine Investment Co

William Johnson is a CFP® with 20 years of industry experience. He has been with White Pine Investment Co since 2018 and previously worked at Charles Schwab and Charles Schwab & Co., Inc. from 2014 to 2018. White Pine Investment Company is a fee-only registered investment adviser serving primarily individual clients, including high-net-worth households, with discretionary investment management and integrated financial planning. The firm combines fundamental, technical, and cyclical analysis to construct diversified portfolios tailored to client goals and provides ongoing portfolio oversight and written plan reviews.

General retirement planning Cash flow / budgeting College savings (529s, UTMA, etc.)

Anthony D

CFA®

Livonia, MI

White Pine Investment Co

Anthony Digiovanni is a CFA® charterholder with 10 years of experience in the financial industry. He has been with White Pine Investment Co in Livonia, MI since 2012. White Pine Investment Company provides discretionary investment management and integrated financial planning primarily for individual and high-net-worth clients. The firm combines fundamental, technical, and cyclical analysis to construct diversified portfolios tailored to client goals and offers ongoing portfolio oversight and regular financial plan reviews.

General retirement planning Cash flow / budgeting College savings (529s, UTMA, etc.)

Stefanie P

CFP®, Series 63, Series 66

Livonia, MI

White Pine Investment Co

Stefanie Porter is a CFP® professional with 20 years of experience in the financial services industry. She is currently with White Pine Investment Company and has previously worked at Pacific Life Distributors, TIAA-CREF, Wells Fargo Clearing, and AXA Distributors LLC. In addition to her advisory role, she operates Five Needles Estate Planning Services, PLLC, offering estate planning and document drafting services. White Pine Investment Company is a fee-only registered investment adviser that provides discretionary investment management and integrated financial planning primarily for individual and high-net-worth clients. The firm employs a combination of fundamental, technical, and cyclical analysis to construct diversified portfolios tailored to clients’ goals and offers an affiliated estate-planning law practice through Five Needles Estate Planning Services.

General retirement planning Cash flow / budgeting College savings (529s, UTMA, etc.)

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