A financial plan built around your life. Not just your money.
Michael White, CFP®, is a fee-only fiduciary financial planner in Anytown helping individuals and families build wealth, plan for retirement, and protect what matters most.
Schedule a Free Discovery CallYour advisor should work for you. Not for a commission.
Michael White is a fee-only fiduciary. That means he is legally required to act in your best interest and is never paid commissions on products he recommends. His only incentive is your financial success.
Fee-Only
Paid directly by you. No commissions from insurance companies, fund families, or product sponsors.
Fiduciary
Legally bound to act in your best interest at all times. Not just a suggestion. It's the law.
Transparent
You always know exactly what you're paying and why. No hidden fees, no layered costs, no surprises.
Most financial advisors are not fiduciaries. Michael is. That distinction matters more than you think.
Comprehensive Financial Planning
Retirement Planning
Whether you’re 30 years away or 3, we build a roadmap to retire on your terms. Income projections, Social Security optimization, withdrawal strategies.
Investment Management
Diversified, low-cost portfolios aligned with your goals and risk tolerance. No proprietary products, no conflicts of interest.
Tax Planning
Proactive tax strategies that coordinate with your investments. Roth conversions, tax-loss harvesting, charitable giving optimization.
Estate Coordination
Working alongside your estate attorney to ensure your financial plan and estate plan work together seamlessly.
Who We Work With
Pre-Retirees with $500K+
You've spent decades saving and need a clear plan for the transition from accumulation to distribution. Social Security timing, retirement income, Roth conversions, and Medicare planning, all coordinated.
Business Owners Planning Exits
Your business is your largest asset. We help you plan for liquidity events, optimize compensation, diversify concentrated positions, and coordinate the tax implications of selling or transitioning.
Physicians with Complex Compensation
Student loans, backdoor Roth strategies, deferred compensation, practice ownership decisions, and disability insurance. We understand the unique challenges of medical professionals.
Tech Professionals with Equity
RSUs, ISOs, NSOs, ESPP: equity compensation creates complex tax situations and concentration risk. We build diversification strategies and optimize exercise timing.
Clients We Work With
Pre-Retirees (55–65)
You’ve accumulated wealth and need a clear plan for the transition from saving to spending. We build retirement income strategies that last.
Business Owners
Your business is your biggest asset. We help you plan for liquidity events, optimize compensation, and build wealth outside your business.
Young Professionals
You’re earning real money for the first time. We help you build a foundation: investments, tax strategy, and long-term goals.
Meet Michael White, CFP®
Michael founded Summit Financial Planning with a simple belief: financial advice should serve the client, not the advisor. After spending a decade at a large wirehouse and seeing firsthand how commission-driven advice harmed clients, he left to build a fee-only practice where the only incentive is doing right by you.
With 15 years of experience and a deep commitment to continuing education, Michael brings a comprehensive, evidence-based approach to every client relationship.
Our Planning Process
Discovery
We learn about your life, goals, concerns, and current financial picture.
Analysis
We review your accounts, tax returns, insurance, and estate documents.
Plan Design
We build a comprehensive financial plan tailored to your specific situation.
Implementation
We help you execute: account transfers, investment changes, insurance adjustments.
Ongoing Review
We meet quarterly to review progress and adjust as your life changes.
Discovery
We learn about your life, goals, concerns, and current financial picture.
Analysis
We review your accounts, tax returns, insurance, and estate documents.
Plan Design
We build a comprehensive financial plan tailored to your specific situation.
Implementation
We help you execute: account transfers, investment changes, insurance adjustments.
Ongoing Review
We meet quarterly to review progress and adjust as your life changes.
What Our Clients Say
“Michael's Roth conversion strategy saved us an estimated $127,000 in lifetime taxes. Our previous advisor never even mentioned it as an option.”
- William and Mary H., Pre-Retirees
“When I sold my practice, Michael coordinated with my CPA and attorney to structure the sale in a way that saved me over $45,000 in taxes. His fee paid for itself ten times over in the first year alone.”
- Dr. Thomas B., Physician
“After 20 years with a commission-based advisor, switching to Michael felt like taking off a blindfold. For the first time, I understand exactly what I'm paying and why every recommendation is made.”
- Susan K., Business Owner
Frequently Asked Questions
Fiduciaries are legally required to act in your best interest at all times. The suitability standard only requires that a recommendation be ‘suitable’ — a much lower bar that allows advisors to recommend products that benefit them more than you, as long as they’re not wholly inappropriate.
Your best financial life starts with a conversation.
Schedule a free 30-minute discovery call with Michael. No obligation, no sales pitch. Just an honest conversation about your goals and how we might help.
Schedule My Discovery Call