David White & Associates

A lot of financial conversations start with your portfolio. Ours starts with what you want your life to look like, and works backward from there.

Let's start with a conversation about your life: https://www.dwassociates.com/contact

We're sharing one of "Life's Little Instructions" that is especially relevant in summer: Buy whatever kids are selling on card tables in their front yards.

Whether they are selling lemonade, bookmarks, or something we can't quite identify, our team has a habit of turning the car around to support these budding businesses.

Supporting a kid's entrepreneurial spirit is an unbeatable experience for you and for them.

At a large institution, your account is one of millions, and you may not get to speak to the same person twice until you hit a certain service tier.

Whether you're just starting to build wealth or stewarding what took a lifetime to create, you deserve to know who is managing your financial life and build a lasting relationship with them.

Get to know our team and reach out to see the difference: https://www.dwassociates.com/our-team

Did you know a 1031 exchange can go into a Delaware Statutory Trust (DST)? For accredited investors, DSTs are IRS-recognized as qualifying replacement property and may offer a path to passive ownership instead of active management.

They're securities, not direct real estate. That means trade-offs that may not be right for every investor: illiquidity, long holding periods, fees, and the risk of principal loss.

If you're planning a sale, our team can walk through whether a DST might fit alongside your CPA and tax advisor.

Looking to launch your financial planning career? We're hiring advisors who value mentorship, access to financial planning experience, and the independence to build something of their own.

If that sounds like you, reach out at [email protected]

If you or someone in your family is still in school—or heading back in the fall—now is the time to make sure your FAFSA form is in.

A few things worth knowing:
1. The federal deadline is June 30. State and school deadlines are often earlier.
2. Many types of aid are first-come, first-served. Waiting could cost money.
3. You can make corrections after submission, but the form needs to be in first.

Don't let a deadline get in the way of money that's already available to you.

Long-Term care is one of the biggest wild cards in retirement.

Costs vary by location, care type, and health needs—but they've all been rising faster than many realize.

These five insights can help you understand what drives costs and why they often catch retirees by surprise.

Want to talk numbers?? We are here to help!



Sources:
CareScout, Cost of Care Report, July–December 2024
AALTCI, Long-Term Care Insurance Statistics & Data 2025
EBRI/Greenwald, 2025 Retirement Confidence Survey, April 2025

From Life's Little Instructions: Floss your teeth.

Flossing is a small habit that makes a big difference over a lifetime. We think about this one a lot in our work. Financial plans that tend to hold are built on small, disciplined habits practiced over decades. This can include saving consistently, rebalancing on schedule, and checking in before big life events.

A lot of the business owners we work with do great work installing pipe, framing houses, mowing yards, and wiring panels. They also build decades-long relationships along the way.

This makes succession planning hard because it isn't just about equipment and contracts; it's also about the relationships. Passing that on to your children, a foreman, or a buyer requires planning.

If you're looking to work on succession planning, let's talk so we can help you plan for your goals: https://www.dwassociates.com/contact