David White & Associates

David White & Associates
Since 1971, David White & Associates (DWA) has been providing Financial Planning advice

WELCOME

Since 1971, David White & Associates has grown to be a firm of 27 advisors and 21 staff members and has been trusted to provide independent financial planning advice throughout the Greater Bay Area. We offer valuable planning services for individuals, small business owners and their executive teams, as well as to executives of Fortune 500 firms. David White & Associates is a partner of Th

e National Wealth Group with offices in Southern California, Florida, New York and Texas which includes over 200 affiliated financial professionals. We enjoy giving back to the community by being actively involved in over 70 charities such as Habitat For Humanity, Terrance Kelly Youth Foundation, Alameda Meals on Wheels, Young Life, ASPCA, Leukemia Foundation, food banks, Toys for Tots, ARF, and The Taylor Family Foundation, to name a few. We are wealth accumulation, wealth protection and wealth distribution advisors not captive to any one idea, service or product. Our professionals can assist you with many aspects of the financial planning process. Our credentialed and skilled Financial Professionals strive to build relationships with each client to provide guidance to help navigate today’s complex financial decisions. We use a synergistic approach to coordinating your tax, legal and wealth strategies while working closely with your attorneys and tax professionals. Our mission is to offer dedicated, creative and professional financial problem solving. We provide many types of services and products including:

• Developing strategies to help you reach your goals and dreams.
• Creating a guide to help you navigate the investment markets and grow your portfolio.
• Helping to protect your assets against losses and uncertainties.
• Creating a plan to help you enjoy financial security during your retirement years. David White & Associates has the power
to help make your financial plans and dreams a reality.

2000 Crow Canyon Place, Suite 250 | San Ramon, CA | 94583

Representatives offer products and services using the following business names: David White & Associates–insurance and financial services | Ameritas Investment Company, LLC (AIC), Member FINRA/SIPC–securities and investments | Ameritas Advisory Services (AAS) – investment advisory services. AIC and AAS are not affiliated with David White & Associates. Information posted to this site by 3rd parties or links to 3rd party sites are not created nor endorsed by AIC or its representatives. Their information is deemed to be from reliable sources; however, their content cannot be guaranteed. All of the endorsements and/or client testimonials posted on this social media page are unpaid and unsolicited. The experiences and views shared do not necessarily represent the perspectives or experience of all clients. Any review or discussion of individual investments and/or performance or results should not be construed as indicative of the experience of all clients, nor does it offer any assurance or indication of future results.

September is College Savings Month — Let’s talk numbers.The average cost of tuition and fees ranges from just over $20k ...
09/01/2026

September is College Savings Month — Let’s talk numbers.

The average cost of tuition and fees ranges from just over $20k to nearly $63k per year, but that’s not the whole story.

Many students receive aid from grants, loans, and scholarships to help pay for school, but there’s often still a gap. Savings can be a valuable tool to help manage those costs.

Source: College Board, Trends in College Pricing and Student Aid, 2024.

We're hiring financial advisors. If you're ready to build something of your own — your own client relationships from the...
08/31/2026

We're hiring financial advisors.

If you're ready to build something of your own — your own client relationships from the start, and senior advisors who help you figure out how you want to practice rather than handing you a process to follow — this may be the place for you.

Learn more: https://www.indeed.com/job/financial-advisor-2cfa9fc88326ecdd

Summer is when life tends to be busy. Moves, weddings, new jobs, a kid heading off to college — they cluster in the mont...
08/28/2026

Summer is when life tends to be busy. Moves, weddings, new jobs, a kid heading off to college — they cluster in the months when nobody has time for paperwork.

Fall is when people catch up. If something significant changed for you this summer, it's worth a look at whether your coverage and your plan still match your situation.

If any of that sounds like your summer, we're glad to take a look with you:https://www.dwassociates.com/contact

With school starting, it's a good moment to think about higher education and who's funding it.If you have kids in your l...
08/21/2026

With school starting, it's a good moment to think about higher education and who's funding it.

If you have kids in your life who may go on to college, two questions are worth asking:

How much do you want to cover?
How do you do that while keeping your own retirement strategy intact?

Like most things in planning, deciding the goal now beats improvising later.

If you're weighing both, let's talk: https://www.dwassociates.com/contact

The largest position in your portfolio might be one you never chose to buy.If you're paid in RSUs, your salary, your unv...
08/18/2026

The largest position in your portfolio might be one you never chose to buy.

If you're paid in RSUs, your salary, your unvested shares, and your vested shares all depend on how one company performs.

So it's worth asking what percentage of your net worth is in company stock? And when shares vest, are you defaulting to holding without deciding to?

These are good questions to work through with your financial and tax advisors, since selling and holding both carry tax consequences.

Let's talk: https://www.dwassociates.com/contact

Myth: Financial advisors just do investments.Say you're 45, earning well, saving steadily, and your portfolio is working...
08/16/2026

Myth: Financial advisors just do investments.

Say you're 45, earning well, saving steadily, and your portfolio is working for you. What happens to that plan if you can't work for two years?

That question has almost nothing to do with your investments. It's about disability coverage, cash reserves, and whether your plan survives an interruption in income. A portfolio review won't surface it.

At David White and Associates, we look at how the pieces fit together — your investments, your coverage, and the tax picture in coordination with your CPA — and at what happens when life changes.

If your income stopped tomorrow, would your plan hold? Let's talk: https://www.dwassociates.com/contact

If you own a business, have you looked at your own retirement plan lately?Not the company's books, but yours. Every spar...
08/14/2026

If you own a business, have you looked at your own retirement plan lately?

Not the company's books, but yours. Every spare dollar has somewhere to go, and people often choose to reinvest until the year they are ready to step back.

Ask yourself: if the business sold for what you think it's worth, would that fund the retirement you have in mind?

If you'd like to take a closer look, let's talk: https://www.dwassociates.com/contact

We're hiring financial advisors, and one question comes up more than any other: what does it take to get started?Here's ...
08/11/2026

We're hiring financial advisors, and one question comes up more than any other: what does it take to get started?

Here's what the path looks like at David White and Associates:

- Licensing support, so you're not figuring it out alone.
- Time in client meetings early, alongside advisors with decades of experience.
- A team that shares what works instead of guarding it.

If you've been curious but weren't sure where to start, let's talk. https://www.indeed.com/job/financial-advisor-2cfa9fc88326ecdd

We're breaking down financial terms so you know what the jargon means and can feel confident in your financial decisions...
08/10/2026

We're breaking down financial terms so you know what the jargon means and can feel confident in your financial decisions. Today's term is "diversification."

Diversification means spreading your money across different investments so that no single one determines your outcome.

It's easy to assume diversification just means owning stocks and bonds. But it also happens within each category:

Across companies and industries, so one struggling sector doesn't sink your plan
Across geographies, since U.S. and international markets don't always move together
Across company sizes, from large established firms to smaller growth-oriented ones

It also matters that your investments work together. A 401(k), an IRA, a brokerage account, and a spouse's accounts can each look well-diversified on their own while overlapping heavily once you view them side by side. Diversification works best when your accounts are treated as one portfolio rather than several separate ones.

Diversification doesn't eliminate risk, but it keeps any one investment from carrying too much weight.

Wondering how diversified your portfolio really is? Get in touch today: https://www.dwassociates.com/contact

A financial plan isn't only about money.How will you transition out of a work-based identity into retirement? How do you...
08/10/2026

A financial plan isn't only about money.

How will you transition out of a work-based identity into retirement? How do you want to spend your time? What have you been putting off until you had the room for it?

We help clients answer these questions before we talk about the numbers. Then we build the plan that gets you there.

Ready to start that conversation? Get in touch today: https://www.dwassociates.com/contact

Address

2000 Crow Canyon Place, Ste 250
San Ramon, CA
94583

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+19252772600

Website

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