This brochure provides important information about PB White & Co., including our services, fee structure, business practices, and regulatory disclosures. It is filed with the Securities and Exchange Commission and is intended to give you a clear understanding of how the firm operates.
Welcome.
Your financial planning journey begins here.
PB White & Co. follows a structured planning process designed to help clients make informed decisions with clear priorities and realistic expectations. The goal is to build wealth with discipline and preserve it by addressing the risks that can quietly undermine long-term security over time.
Please use the links in the table of contents to find materials and information to help begin your journey with us. If you have any questions or issues, please call us at (925) 378-3393 or visit our contact page.
Onboarding Kit - Table of Contents
Creating and Preserving Wealth:
An Interview with Bruce White
In this interview, Bruce White, MS, CFP® shares the philosophy and disciplined planning approach that guide the firm’s work with clients.
Step 1 - Download Financial Planning Checklist
This checklist outlines the financial information and documents needed to begin building your plan. It serves as a guide to help you organize key details before your initial planning discussions.
Step 2 - Download Personal Expense Worksheet
Select the expense sheet template that best reflects your personal situation. This ensures you’re completing the form that aligns with your financial needs before updating it in Microsoft Excel.
Step 3 - Download Investment Management Agreement
This agreement outlines the terms of the advisory relationship, including services, responsibilities, and account management. Please review, sign, and return this agreement as part of the onboarding process.
Step 4 - Upload Completed Files
After downloading and updating the expense sheet, return here to securely upload your completed file. This ensures we have your most up-to-date information to move forward efficiently.
- Click on the button below
- In the new tab, click on the Secure Upload link
- Enter your name and email, click continue
- A 6 digit code will be emailed to you, enter the code
- For the recipient email, enter zwhite@pbwhite.com
- You can now send a secure message and attach multiple files
Bruce D. White, MS, CFP®
CREATING AND PRESERVING WEALTH THROUGH FINANCIAL PLANNING
Bruce D. White, MS, CFP® has provided financial planning and investment advisory services since 1984. He holds a B.A. in Economics and an M.S. in Financial Planning and earned the Certified Financial Planner™ designation. He is also a member of the Financial Planning Association (FPA) and the Institute of Certified Financial Planners (ICFP), professional organizations dedicated to advancing the standards and ethics of the financial planning profession.
As Principal of PB White & Co., a Registered Investment Advisor based in San Luis Obispo, California, Bruce leads a team of experienced professionals who work collaboratively to serve clients with consistency and care. The firm is structured to provide thoughtful planning, disciplined investment oversight, and responsive client service. Together, Bruce and his team support individuals and families seeking long-term guidance across financial planning, retirement planning, and investment strategy.
His planning philosophy centers on two disciplines essential to financial independence: building wealth through consistent saving and disciplined investing to preserve wealth by addressing the risks that can erode it over time, including inflation, taxes, healthcare costs, and major life transitions.
Through a structured and methodical process, Bruce helps clients clarify priorities, evaluate alternatives, and align investment strategies with their time horizon, cash flow needs, and tolerance for risk. Recommendations are designed to be clear, diversified, and practical, emphasizing realistic expectations and long-term consistency rather than unnecessary complexity or short-term market movement.
Zach White, MS, CFP®
Zach White became a financial planner to do more than just work with numbers he wanted to help people make sense of their financial lives and feel genuinely confident about the road ahead. Whether he’s mapping out a retirement plan or helping someone take the next step toward a lifelong goal, Zach is at his best when he’s solving problems that truly matter to the individuals and families he serves.
What drives Zach is the impact this work has on real lives. One moment that stands out is when he showed a client that their dream retirement was not only possible, that it was within reach. Seeing their stress give way to confidence reminded him why this work is so meaningful.
Zach holds a Bachelor’s degree in Agricultural Business from Cal Poly, San Luis Obispo, and a Master of Science in Personal Financial Planning from the College for Financial Planning. He earned his CFP® designation in 2017 and also holds a current Life and Health Insurance License.
Clients appreciate Zach’s grounded, approachable style and his ability to explain complex strategies in a clear and thoughtful way. Outside of the office, you’ll find him spending time with his wife and young children, mountain biking, reading philosophy, experimenting in the kitchen, or planning his next trip.
He finds inspiration in timeless philosophers like Seneca, Saint Augustine, and Aristotle—especially the latter who wrote, “We are what we repeatedly do; excellence, therefore, is not an act but a habit.”
Sample Financial Planning Reports & Deliverables
When working with PB White & Co., you will receive structured reports designed to organize your financial information, evaluate your current position, and guide future decisions.
These documents provide clarity around cash flow, investments, retirement projections, and tax considerations, forming the foundation of our ongoing planning discussions.
Cash Flow Evaluation
A detailed overview of your assets, liabilities, income, and expenses that establishes the foundation for planning recommendations.
Retirement Capital Sufficiency Analysis
A forward-looking projection that evaluates whether your current savings and investment strategy support your retirement goals.
Financial Snapshot Summary
A high-level summary of your net worth, account structure, and key financial metrics.
Tax-Adjusted Cash Flow Analysis
A review of income, expenses, and tax impact to support more efficient financial planning decisions.
Scenario Modeling & Planning Report
A dynamic planning tool used to test different financial scenarios and evaluate potential outcomes before decisions are made.
CFP Consumer Guide
The Certified Financial Planner™ Consumer Guide explains the standards, ethics, and responsibilities that accompany the CFP® designation. It outlines what you should expect from a CFP® professional and the fiduciary framework that guides the advice you receive.
Firm Brochure Form ADV Part 2 & 3
Thank you.
Choosing a financial partner is about more than numbers—it’s about relationships, trust, and shared goals. We’re honored to be part of your journey.
Investment advisory services offered through PB White & Co., an SEC Registered Investment Adviser.
CFP Board owns the marks CFP® and CERTIFIED FINANCIAL PLANNER™ in the U.S.
Copyright 2026 Phillip B. White & Company, Inc. All Rights Reserved. Website by Whitefrog.
CFP Board owns the marks CFP® and CERTIFIED FINANCIAL PLANNER™ in the U.S.
Copyright 2026 Phillip B. White & Company, Inc. All Rights Reserved. Website by Whitefrog.