Phillip B. White Co.

Phillip B. White Co.

Phillip B. White Co. was founded in 1959 and operates as a Registered Investment Adviser with a fiduciary duty to its clients. The firm is led today by the third generation of the White family: Bruce White, Jeff White, and Zach White, supported by Bob Carlos. The firm's multi-generational continuity distinguishes it from the broader RIA landscape, where succession often leads to external sale or consolidation. Phillip B. White Co. structures client engagements around five core planning areas: Investment Advice and Management, Tax Analysis, Estate Planning, Insurance, and Retirement Planning. The firm adheres to the CFP Board's 7-step financial planning process, applying financial modeling to substantiate recommendations. Client portfolios span individuals, families, and small businesses, with the firm reporting that its client base is concentrated on the West Coast. The firm is headquartered in Danville, California, with an additional office in San Luis Obispo. The four named professionals form the core team. The firm is compensated on a fee-only basis and does not disclose assets under management or aggregate deployment figures. PB White & Co.'s structural differentiator is its uninterrupted family leadership across more than six decades. While many RIAs have scaled through roll-ups or private equity backing, the White family has maintained independent control, a feature that presents both a stable governance model and the challenge of next-generation succession without institutional capital partners.