ASSET MANAGEMENT
It is J.H. White Financial Services fundamental belief that commissioned based products and advice contains an underlying conflict of interest. No commissions, referral fees, or wrap fees are paid to us by any outside companies for the recommendations we make to our clients. We work with you to develop an Investment Policy Statement that clearly shows how your assets will be allocated among different asset classes. We look at each client's situation to understand the client's goals, time horizon, and risk tolerance before we can make investment recommendations.

J. H. White Financial Services investment style reflects our belief in the efficient market, which entails a long-term approach to investing. We believe that our strategy of pure asset classes/indexes, no-load funds, low transaction and management fees, along with minimal portfolio turnover are the fundamental principles for long-term investment success. We strongly believe that long term returns composed of diversified assets will allow clients to meet their goals with less volatility. JHWFS currently utilizes Ameritrade (Institutional division) as custodian of all client investment portfolios.

In addition, portfolio rebalancing may be necessary to maintain your overall asset allocation (as it is written in your Investment Policy Statement). Over time certain asset classes will perform better than others in your portfolio, but research has shown that the returns of asset classes tend to revert to their long-term expected return. Therefore, in addition to reducing risk, rebalancing should result in consistently buying low and selling high over the long run. This strategy requires tremendous discipline and additional analysis of the effects of transaction fees and tax implication on the client tax situation.

Performance of our client's accounts is measured against benchmarks that most closely match the holdings of that particular fund. In addition to quarterly statements, clients may check their accounts online at any time. J. H. White Financial Services also provides annual meetings with our clients to review our philosophy as well as update any significant changes in our client's personal or financial condition.