White and Associates

White and Associates White & Associates takes care of all your financial needs in one place. We offer retirement and fin White and Associates & Cambridge are not affiliated.

Angie earned her Bachelor of Science degree in Marketing in 2000 from Jacksonville University, Jacksonville, Florida. She then earned her Series 7 - General Securities Representative Exam and her Series 66--Uniform Combined Investment Advisor registration/state law exam in 2004. Gina earned her Bachelor of Science in Mathematics in 2005 from Southern Illinois University at Edwardsville. She then e

arned her Series 7 - General Securities Representative Exam in October 2014 and her Series 66 - Uniform Combined Investment Advisor registration/state law exam in January 2015. Gene earned his Bachelor of Arts degree in Mathematics in 1970 from Greenville College. He then earned his Series 7 - General Securities Representative Exam in 1990, his Series 24-General Securities Principal registration in 1990, and his Series 65-Uniform Investment Advisor Registration in 1999. Angie and Gina are dedicated to developing lasting relationships with all their clients. They believe in helping each person become confident in assessing his or her financial goals and participating in the financial management process. One of the benefits of working with Angie and Gina is their ability to provide clear, easily understandable explanations of financial products and services. The personal program that Angie and Gina can provide is a road map to working toward a more secure financial future. Jeff, earned his Bachelor of Science in Business in 2000 from Jacksonville University, Jacksonville, Florida. He became licensed as a Certified Public Accountant in August 2013. Jeff is dedicated to providing bookkeeping services, payroll services, QuickBooks advising, Business consultation, entity selection, payroll and sales tax, tax preparation and planning to individuals and business owners. Jeff goes by the philosophy that everyone is entitled to have their tax preparation and accounting needs done professionally at a reasonable fee. Content provided via links to third party sites should not be considered an endorsement of third party content. We make no representation as to the completeness or accuracy of information provided at these websites. Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a Broker/Dealer, Member FINRA/SIPC. Advisory services offered through Investment Advisor Representatives of Cambridge Investment Research Advisors, Inc., a Registered Investment Advisor. Cambridge does not provide tax or legal services.

08/27/2026
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08/26/2026

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As artificial intelligence reshapes the future of technology, a growing community of collectors is looking back.Vintage ...
08/25/2026

As artificial intelligence reshapes the future of technology, a growing community of collectors is looking back.

Vintage computer enthusiasts are restoring and preserving the machines that helped launch the digital revolution, including classic Atari, Commodore, IBM, and Apple systems.

For collectors, these machines are more than old hardware. They are artifacts of computer history.

At the Vintage Computer Festival in Mountain View, California, more than 3,500 people gathered to see restored systems, celebrate Apple’s 50th anniversary, and explore the early technology behind today’s laptops, smartphones, and wearable devices.

Some rare machines can carry significant value. The Apple-1, Apple’s first product, can sell for hundreds of thousands of dollars.

But for many collectors, the appeal is also personal: the sounds, games, interfaces, and hands-on repairs that make early computers feel understandable from the inside out.

In an age of invisible algorithms and cloud-based tools, vintage computers offer something different: a tangible connection to how modern technology began.

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As Silicon Valley invents the artificial-intelligence future, a growing community of hobbyists is preserving the classic computers that helped launch the digital revolution.

U.S. credit card debt is approaching a record high.Americans’ credit card balances reached $1.26 trillion in the second ...
08/24/2026

U.S. credit card debt is approaching a record high.

Americans’ credit card balances reached $1.26 trillion in the second quarter, rising by $21 billion, according to new data from the Federal Reserve Bank of New York.

That puts credit card debt just below the all-time high of $1.28 trillion set late last year.

Strong consumer spending is one factor behind higher balances. Rising prices for essentials like groceries and gas may also be contributing.

Delinquencies remain a concern. The share of credit card balances more than 90 days delinquent rose from 7.6% to 12.8% from mid-2022 through early 2026.

Total U.S. household debt now stands at $18.8 trillion. Auto loan debt also reached a new high of $1.71 trillion.

For households, rising debt is a reminder that everyday expenses, interest rates, minimum payments, and emergency costs can all affect financial flexibility.


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Americans' credit card debt reached $1.26 trillion, increasing by $21 billion in the second quarter of this year, according to new data.

In Halberstadt, Germany, a small organ is performing what may be the world's slowest concert.The John Cage Organ Project...
08/23/2026

In Halberstadt, Germany, a small organ is performing what may be the world's slowest concert.

The John Cage Organ Project has been playing the same composition for nearly 25 years. It is scheduled to continue until Sept. 4, 2640.

The piece is called “ORGAN²/ASLSP,” short for “As Slow as Possible.”

A rare chord change recently took place inside the medieval Burchardi Church, moving the sound from seven notes to eight. That marked only the 17th chord change of the performance.

The full project will last 639 years, from 2001 to 2640. That time frame was chosen as a tribute to a historic organ in Halberstadt dating back to 1361.

The next chord change is scheduled for Oct. 5, 2027.

It is a remarkable reminder that not everything meaningful moves quickly. Some projects are built for patience, stewardship, and generations of people who may never see the ending but still help carry the work forward.


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A small organ in eastern Germany is the headliner of the world’s slowest concert. It has been playing the same piece of music by composer John Cage at a glacial pace for nearly 25 years.

Sometimes the smallest details make the biggest difference. This post reminds small business owners that retirement bene...
08/22/2026

Sometimes the smallest details make the biggest difference. This post reminds small business owners that retirement benefits aren't just for big companies, and that something as straightforward as number of employees can determine whether a SEP-IRA or SIMPLE IRA is the better fit.

Some younger consumers are spending on luxury items even as major milestones feel harder to reach.An article from The Ec...
08/21/2026

Some younger consumers are spending on luxury items even as major milestones feel harder to reach.

An article from The Economic Times explores whether Gen Z spending on items like expensive smartphones, sneakers, and travel may reflect a broader version of the “Lipstick Effect.” 📱👟✈️

The Lipstick Effect describes a pattern where consumers buy smaller luxuries during periods of financial uncertainty, especially when larger purchases feel out of reach.

In this case, the larger purchase is often homeownership.

As housing costs rise, some younger adults may feel that saving for property is increasingly unrealistic. Instead, they may choose purchases that offer more immediate enjoyment, identity, or a sense of progress.

That does not mean every purchase is financially harmful. But it does show how affordability pressures can shape behavior, priorities, and trade-offs.

The broader takeaway: spending decisions often reflect more than impulse. They can also reflect economic realities, delayed milestones, and the ways people look for meaning when traditional markers of success feel further away.


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Financial advisor Prem Soni says Gen Zs spending on Rs 15,000 sneakers, expensive iPhones and foreign holidays may reflect the “Lipstick Effect.” He argues that with homes costing around Rs 3 crore and long-term EMIs, traditional milestones feel increasingly unreachable for young earners. Instea...

SpaceX has joined the Nasdaq-100, a major stock market index that tracks many of the largest nonfinancial companies list...
08/19/2026

SpaceX has joined the Nasdaq-100, a major stock market index that tracks many of the largest nonfinancial companies listed on Nasdaq.

The move could make the company a holding in more index-based funds, including some funds used in retirement accounts.

Index inclusion can matter because index-tracking funds may need to add shares of a newly included company. That can affect demand for the stock, though it does not guarantee future performance.

The company recently went public and has seen notable stock-price movement since its initial public offering.

The broader takeaway is that index changes can indirectly affect what investors own, especially through mutual funds, exchange-traded funds, and retirement account holdings.

For investors, this is a reminder to understand what is inside the funds they own—not just the name of the index or account.


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The move could add the Elon Musk-led firm to many retirement portfolios.

Scientists have captured the most detailed images yet of the sun’s surface.The images were taken using the National Scie...
08/18/2026

Scientists have captured the most detailed images yet of the sun’s surface.

The images were taken using the National Science Foundation’s Daniel K. Inouye Solar Telescope in Maui, Hawaii.

Researchers originally captured the images while testing the telescope's limits. But when they reviewed the results, they realized they had photographed the sun’s bright outer shell at higher resolution than ever before.

The images revealed unusual feathery patterns rippling across the sun’s surface.

Researchers say the ripples are caused by magnetized plasma moving at different speeds, creating patterns similar to waves that form when wind moves over water.

Understanding the sun’s activity matters because large bursts of solar energy can affect Earth. Coronal mass ejections can trigger solar storms, disrupt GPS communications, and produce colorful auroras.

It is a striking reminder that scientific breakthroughs can begin as tests, questions, and closer looks at something we thought we already knew.


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Scientists have captured images of the sun’s surface in the finest detail yet. Researchers were able to peek with the help of a telescope on the island of Maui in Hawaii.

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