J. H. White Financial Services (JHWFS), a Registered Investment Advisor, provides fee-only comprehensive financial planning and asset management services for clientele throughout the country. Our mission is to guide you down the path to financial freedom and peace of mind. We do that through the highest quality financial advice and investment management with integrity and superior ongoing service to our clients.

We believe that providing services on a fee-only basis avoids potential conflicts of interest. JHWFS does not sell any commissioned product and is not affiliated with any sales companies. Since we are compensated through client fees only, we are able to provide objective recommendations that are based solely in our clients' best interests.

Our investment philosophy is firmly ingrained in the principle that markets are highly efficient, which means that current prices generally reflect the knowledge of all investors. JHWFS does not employ stock picking or market timing. Instead, we build diversified portfolios concentrating on passively managed, no load mutual funds as building blocks. These low cost portfolios are designed to help you reach your financial goals.

There are no requirements as to your income, net worth, or the amount of money you have to invest. Our clients represent all income levels and come from all walks of life. You do not have to have a fortune to begin building one.