White Pine Investments

White Pine Investments: A Name That Symbolizes Growth and Trust

At White Pine Investments, our name embodies our investment philosophy: patience, optimism, hard work, and unwavering trust in the potential of long-term growth. This is reminiscent of the White Pine tree, one of the tallest species in the United States, which starts as a seedling and eventually grows to dominate the landscape. Our firm has similarly guided clients towards their long-term financial goals with the same dedication and perseverance.

A Value-Driven, Disciplined Approach

The peace of mind our clients experience is a direct result of our focus on a "value-driven, disciplined approach." We accomplish this by conducting rigorous fundamental analysis of financial data, objectively assessing the situation, and minimizing the influence of emotions - which often drive impulsive decisions among investors. Our value-driven approach means we seek out growing financial securities priced at or below their intrinsic value.

Managing Risk in Times of Market Distress

Reducing risk is as crucial as seeking returns. At White Pine Investments, we believe that a true asset manager's mettle is tested during market turbulence rather than during bull markets. Our philosophy is anchored by patience, discipline, confidence, humility, and hard work which ensures that risk is effectively managed from year to year. Asset allocation and diversification greatly help us implement this philosophy.

Services

DECISION: White Pine Investments Portfolio Management Disciplines

Our firm offers three primary portfolio management disciplines: equity, fixed income, and balanced. Most clients' needs and goals are met through a balanced ownership of both stocks and bonds. However, we understand that every client is unique, and some may require a portfolio with a higher concentration of fixed income or common stock.

SOLUTION: Clients' Time Horizons and Goals

Our services cater to clients with varying investment time horizons and goals. While we manage assets for clients with short-term investment goals, most of our clients are those with long-term investment objectives. Common areas for the assets under our management include retirement savings, retirement income, and education savings. We also handle a significant number of trusts and taxable accounts, ensuring that tax liabilities are minimized while long-term growth is pursued.

SUCCESS: Investment Philosophy, Research, and Account Types

White Pine Investments' success lies in our investment philosophy, proprietary research, and the range of account types we offer. Our offerings include tax-deferred, taxable, traditional and Roth IRAs, joint tenants, trusts, corporate simple IRAs, and UGMA/UTMA accounts. We consult with various accounting firms to stay updated on tax law changes, ensuring that clients' goals are met in the most efficient manner possible.

Specialties

CMOs (Collateralized Mortgage Obligations)

High-quality loans backed by mortgage collateral and US Government payments account for a significant portion of our investments. We meticulously sift through thousands of offerings, investing in securities that provide exceptional risk-adjusted returns. Depending on the investment vehicle, we find principle and interest, principle-only, and interest-only securities which serve as a hedge to more traditional fixed income securities. Our expertise in CMOs, particularly during periods of low-interest rates, sets us apart from other asset management firms.