Johnson & White Wealth Management, LLC (hereinafter “JWWM”) is an investment advisor located in York, PA.  JWWM and its representatives are in compliance with the current registration requirements of those states in which JWWM maintains clients. JWWM may only transact business in those states in which it is registered, or qualifies for an exemption or exclusion from registration requirements. JWWM’s website is limited to the dissemination of general information pertaining to its investment advisory services. Accordingly, the publication of the JWWM website on the internet should not be construed by any consumer and/or prospective client as JWWM’s solicitation to effect, or attempt to effect transactions in securities, or the rendering of personalized investment advice for compensation, over the internet. Any subsequent, direct communication by JWWM with a prospective client shall be conducted by a representative that is either registered or qualifies for an exemption or exclusion from registration in the state where the prospective client resides. A copy of JWWM’s current written disclosure statement discussing JWWM’s business operations, services, and fees is available from JWWM upon request. 

JWWM does not make any representations or warranties as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated third party, whether linked to JWWM’s website or incorporated herein, and takes no responsibility thereof. All such information is provided solely for convenience purposes only and all users thereof should be guided accordingly.

Past performance may not be indicative of future results. Therefore, no current or prospective client should assume that future performance of any specific investment, investment strategy (including the investments and/or investment strategies recommended by JWWM) or product made reference to directly or indirectly by JWWM in its website, or indirectly via a link to an unaffiliated third party website, will be profitable or equal the corresponding indicated performance level(s). Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment will either be suitable or profitable for a client or prospective client's investment portfolio. Historical performance results for investment indices and/or custodial charges, the deduction of an investment management fee, nor the impact of taxes, the incurrence of which would have the effect of decreasing historical performance results.

Certain portions of JWWM’s website (i.e., newsletters, articles, commentaries, etc.) may contain a discussion of, and/or provide access to, JWWM’s (and those of other investment and non-investment professionals) positions and/or recommendations as of a specific prior date. Due to various factors, including changing market conditions, such discussion may no longer be reflective of current position(s) and/or recommendations(s). Moreover, no client or prospective client should assume that any such discussion serves as the receipt of, or a substitute for, personalized advice from JWWM, or from any other investment professional. JWWM is neither an attorney nor accountant, and no portion of the website content should be interpreted as legal, accounting or tax advice. Correspondingly, each client and prospective client agrees, as a condition precedent to his/her/its access to JWWM’s website, to release and hold harmless JWWM, its officers, directors, employees and agents from any and all adverse consequences resulting from any of his/her/its actions and/or omissions which are independent of his/her/its receipt of personalized individual advice from JWWM.

Clients utilizing this website for the purpose of accessing documents posted to a web portal do so with the understanding that accessing such information through the portal should be done only through secure channels and on non-public machines.  JWWM cannot be responsible for criminal activities of others, specifically those that may access client information through the use of a client’s password or other credentials.  

Clients are strongly encouraged to compare the information found through the portal with any information received directly from their account custodian.  

CERTIFIED FINANCIAL PLANNER® professional

Individuals who are certified for financial planning services in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP Board”).  Therefore, may refer to themselves as a CERTIFIED FINANCIAL PLANNER® professional or a CFP® professional, and may use these and the other certification marks (the “CFP Board Certification Marks”) that Certified Financial Planner Board of Standards Center for Financial Planning, Inc. has licensed to CFP Board in the United States.  The CFP® certification is voluntary.  No federal or state law or regulation requires financial planners to hold the CFP® certification.  You may find more information about the CFP® certification at www.cfp.net.  

CFP® professionals have met CFP Board’s high standards for education, examination, experience, and ethics.  To become a CFP® professional, an individual must fulfill the following requirements:

  • Education – Earn a bachelor’s degree or higher from an accredited college or university and complete CFP Board-approved coursework at a college or university through a CFP Board Registered Program.  The coursework covers the financial planning subject areas CFP Board has determined are necessary for the competent and professional delivery of financial planning services, as well as a comprehensive financial plan development capstone course.  A candidate may satisfy some of the coursework requirement through other qualifying credentials.  CFP Board implemented the bachelor’s degree or higher requirement in 2007 and the financial planning development capstone course requirement in March 2012.  Therefore, a CFP® professional who first became certified before those dates may not have earned a bachelor’s or higher degree or completed a financial planning development capstone course.
  • Examination – Pass the comprehensive CFP® Certification Examination. The examination is designed to assess an individual’s ability to integrate and apply a broad base of financial planning knowledge in the context of real-life financial planning situations.
    Experience – Complete 6,000 hours of professional experience related to the personal financial planning process, or 4,000 hours of apprenticeship experience that meets additional requirements. 
  • Ethics – Satisfy the Fitness Standards for Candidates for CFP® Certification and Former CFP® Professionals Seeking Reinstatement and agree to be bound by CFP Board’s Code of Ethics and Standards of Conduct (“Code and Standards”), which sets forth the ethical and practice standards for CFP® professionals. 
    Individuals who become certified must complete the following ongoing education and ethics requirements to remain certified and maintain the right to continue to use the CFP Board Certification Marks:
  • Ethics – Commit to complying with CFP Board’s Code and Standards.  This includes a commitment to CFP Board, as part of the certification, to act as a fiduciary, and therefore, act in the best interests of the client, at all times when providing financial advice and financial planning. CFP Board may sanction a CFP® professional who does not abide by this commitment, but CFP Board does not guarantee a CFP® professional's services. A client who seeks a similar commitment should obtain a written engagement that includes a fiduciary obligation to the client.
  • Continuing Education – Complete 30 hours of continuing education every two years to maintain competence, demonstrate specified levels of knowledge, skills, and abilities, and keep up with developments in financial planning.  Two of the hours must address the Code and Standards.

Accredited Investment Fiduciary*
The AIF designation certifies that the recipient has specialized knowledge of fiduciary standards of care and their application to the investment management process.  To receive the AIF designation, individuals must complete a training program, successfully pass a comprehensive, closed-book final examination under the supervision of a proctor and agree to abide by the AIF Code of Ethics.  In order to maintain the AIF designation, the individual must annually review their affirmation of the AIF Code of Ethics and complete six hours of continuing education credits.  The certification is administered by the Center for Fiduciary Studies, LLC (a Fiduciary 360 (fi360) company).