White Pine Investment Company is an independent investment management firm founded in 1997 and based in Livonia, Michigan. The firm provides continuous and regular investment management services paired with personalized financial planning. White Pine Investment Company acts as a registered investment adviser, operating as a fee-only firm that does not accept commissions or finders' fees from third-party financial products. Services include determining financial objectives, cash flow management, tax planning, insurance review, education funding, retirement planning, and estate planning coordination. Client accounts are generally managed on a discretionary basis, allowing the firm to execute trades in line with agreed-upon investment strategies while accommodating reasonable client restrictions. The firm primarily recommends Charles Schwab & Co., Inc. as a qualified custodian for holding client assets.
Fee Structure
Portfolio-Based Fees (Tiered)
| Portfolio Value | Annual Fee |
|---|---|
| Up to $500K | 1.10% |
| $500K - $1.0M | 0.90% |
| $1.0M - $2.0M | 0.70% |
| $2.0M - $4.0M | 0.60% |
| $4.0M - $8.0M | 0.45% |
| $8.0M - $12.0M | 0.30% |
| $12M+ | 0.15% |
Fees are negotiable. The firm may waive its account minimum or charge a lesser fee based on historical relationships, asset types, or anticipated future assets.