If Advisors provides financial planning, portfolio management for individuals and small businesses, and pension consulting. Financial planning was provided to 26–50 clients last fiscal year.
If Advisors reports 92 clients. They include 39 high-net-worth individuals, 38 pension and profit-sharing plans, and 15 individual clients. Of its assets, 98.8% ($485M across 246 accounts) are managed with discretion; $6.04M across 10 accounts are not. It advised 1 client without assets under management last fiscal year.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 16% | <1% |
| High-net-worth individuals | 42% | 40% |
| Pension and profit-sharing plans | 41% | 60% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 15 | $3.04M | 0.6% | $203K |
| High-net-worth individuals | 39 | $195M | 39.7% | $5.01M |
| Pension and profit-sharing plans | 38 | $293M | 59.6% | $7.71M |
| Total | 92 | $491M | 100% | $5.34M |
- Clients
- 15
- Regulatory AUM
- $3.04M
- AUM share
- 0.6%
- Avg. per client
- $203K
- Clients
- 39
- Regulatory AUM
- $195M
- AUM share
- 39.7%
- Avg. per client
- $5.01M
- Clients
- 38
- Regulatory AUM
- $293M
- AUM share
- 59.6%
- Avg. per client
- $7.71M
Total
- Clients
- 92
- Regulatory AUM
- $491M
- AUM share
- 100%
- Avg. per client
- $5.34M
- Clients outside the U.S.
- 0%
- Clients advised without assets under management last fiscal year
- 1
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 26–50
If Advisors is paid through a percentage of assets under management, hourly charges and fixed fees (other than subscription fees); its fees and minimums are set out in its brochures on the SEC website.
Philip White owns 75% or more of If Advisors. The leadership team of If Advisors includes Chief Compliance Officer Philip White. It has 4 employees, 2 of them in advisory roles.
Staff
- 4 employees
- 2 in advisory functions
- 2 state-registered reps
- 1 soliciting firm
- Owns 75% or more of If Advisors, LLC
Philip White
Control person · since May 2020
If Advisors’ regulatory assets grew 2.0× from $247M (March 2021) to $491M (March 2026); clients rose from 58 to 92 and employees from 2 to 4.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | StaffEmployees | Offices |
|---|---|---|---|---|
| Mar 2026March 2026 | $491M | 92 | 4 | 2 |
| Mar 2025March 2025 | $342M | 73 | 3 | 1 |
| Mar 2024March 2024 | $303M | 72 | 3 | 1 |
| Mar 2023March 2023 | $272M | 72 | 3 | 1 |
| Mar 2022March 2022 | $288M | 65 | 3 | 1 |
| Mar 2021March 2021 | $247M | 58 | 2 | 1 |
Besides its headquarters, If Advisors has 1 office (1 private residence, listed without an address), with 1 listed address with no US state reported.
Other business names
If Advisors has reported 1 other business name to the SEC.
- If Advisors
Contact and registration details
- Legal name
- If Advisors, LLC
- Headquarters
- Not reported
- Website
- inflectionfinancial.com
- Phone
- 210-200-8878
- SEC file
- 801-119256
- Structure
- Texas LLC
- Fiscal year end
- December
If Advisors’ named custodians for separately managed accounts are Charles Schwab ($198M, 49%), Fidelity ($147M, 36%) and Ascensus Trust ($61.7M, 15%). If Advisors does not have custody of client assets.
- Charles SchwabCharles Schwab & Co., Inc. · San Antonio, TX · $198M49%
- FidelityFidelity Brokerage Services LLC · Smithfield, RI · $147M36%
- Ascensus TrustAscensus Trust Company · Fargo, ND · $61.7M15%
At year end, If Advisors’ separately managed accounts were mostly in funds (62%) and stocks (26%). Its reported 13F holdings for the quarter ended 30 June 2026 total $152M across 60 positions; the largest are Vanguard Index Funds (12.0%), Vanguard Index Funds (10.7%) and Vanguard Index Funds (7.6%).
What the accounts hold
- Stocks26%
- Funds62%
- Bonds1%
- Cash12%
How many clients does If Advisors have?
If Advisors has 92 clients and manages $491 million for them, as of March 2026. They include 39 high-net-worth individuals, 38 pension and profit-sharing plans, and 15 individual clients.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 31 March 2026
What services does If Advisors offer?
If Advisors provides financial planning, portfolio management for individuals and small businesses, and pension consulting.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file
Which custodians does If Advisors use?
If Advisors’ separately managed account assets are held at Charles Schwab & Co., Inc. (San Antonio, TX), with $198M, Fidelity Brokerage Services LLC (Smithfield, RI), with $147M and Ascensus Trust Company (Fargo, ND), with $61.7M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 31 March 2026
How many financial advisors does If Advisors have?
If Advisors has 2 investment adviser representatives registered with state securities authorities, out of 4 employees, and 2 perform investment advisory functions. None are registered representatives of a broker-dealer or licensed insurance agents.
Source: Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file
What does If Advisors invest in?
At the end of its last fiscal year, If Advisors’ separately managed accounts held 62% registered funds (mutual funds, ETFs, BDCs), 26% exchange-traded equities, 12% cash and equivalents and 1% U.S. government and agency bonds.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns If Advisors?
If Advisors’ direct owner is Philip White (75% or more).
Source: Form ADV Part 1A, Schedules A and B, filed 31 March 2026
How does If Advisors get paid?
If Advisors is paid through a percentage of assets under management, hourly charges and fixed fees. Its Form ADV lists no commissions or performance-based fees among how it is paid.
Source: Form ADV Part 1A, Item 5.E, from the SEC's 2 October 2026 data file
How do I contact If Advisors?
Its phone number is 210-200-8878. Its website is inflectionfinancial.com.