White Lighthouse Investment Management provides financial planning, portfolio management for individuals and small businesses, estate planning, insurance, and tax planning. Financial planning was provided to 251–500 clients last fiscal year.
White Lighthouse Investment Management reports 406 clients. They include 235 individual clients, 170 high-net-worth individuals and 1 corporate or other business client. Of its assets, 96.8% ($889M across 1,272 accounts) are managed with discretion; $29.8M across 39 accounts are not. Of its clients, 16% are outside the U.S.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 58% | 15% |
| High-net-worth individuals | 42% | 85% |
| Corporations and other businesses | <1% | <1% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 235 | $142M | 15.5% | $605K |
| High-net-worth individuals | 170 | $776M | 84.5% | $4.57M |
| Corporations and other businesses | 1 | $157K | 0.0% | $157K |
| Total | 406 | $919M | 100% | $2.26M |
- Clients
- 235
- Regulatory AUM
- $142M
- AUM share
- 15.5%
- Avg. per client
- $605K
- Clients
- 170
- Regulatory AUM
- $776M
- AUM share
- 84.5%
- Avg. per client
- $4.57M
- Clients
- 1
- Regulatory AUM
- $157K
- AUM share
- 0.0%
- Avg. per client
- $157K
Total
- Clients
- 406
- Regulatory AUM
- $919M
- AUM share
- 100%
- Avg. per client
- $2.26M
- Clients outside the U.S.
- 16%
- Clients advised without assets under management last fiscal year
- 0
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 251–500
White Lighthouse Investment Management is paid through a percentage of assets under management, hourly charges and fixed fees (other than subscription fees). The reviewed brochures do not disclose an asset-based fee rate. Read the SEC-filed brochure. The brochure also prices 3 other services, listed under fee details.
Fee details and sources
Other fees
- Concierge Level
- Annual Fixed Fee with a minimum annual fee starting at $40,000, based on complexity; an AUM fee may apply, billed quarterly in arrears.
- Professional Level
- Annual Fixed Fee of $10,000 plus AUM fees on assets over $1,000,000 at 1.00% ($1M to $2M), 0.60%, 0.55%, and 0.50% above $10M, billed quarterly in arrears.
- Services Beyond Professional Level Scope
- Services beyond the Professional Level scope are billed at $450 to $1,000 per hour under a client-advisor agreement, depending on advisor and complexity.
Jonathan Lachowitz owns 75% or more of White Lighthouse Investment Management. Jonathan Lachowitz is CEO; the leadership team includes Chief Compliance Officer Kathleen Quintero. It has 9 employees.
Staff
- 9 employees
- 9 in advisory functions
- 1 state-registered rep
- 2 soliciting firms
- Owns 75% or more of White Lighthouse Investment Management, Inc.
Jonathan Lachowitz
Control person · since January 2011
White Lighthouse Investment Management’s regulatory assets grew 2.6× from $355M (March 2021) to $919M (June 2026); clients rose from 216 to 406 and employees from 6 to 9.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | StaffEmployees | Offices |
|---|---|---|---|---|
| Jun 2026June 2026 | $919M | 406 | 9 | 2 |
| Mar 2025March 2025 | $689M | 357 | 9 | 2 |
| Mar 2024March 2024 | $511M | 326 | 8 | 2 |
| Mar 2023March 2023 | $421M | 294 | 6 | 2 |
| Jun 2022June 2022 | $452M | 262 | 7 | 1 |
| Mar 2021March 2021 | $355M | 216 | 6 | 1 |
Besides its headquarters, White Lighthouse Investment Management has 1 office, with 2 listed addresses outside the U.S..
International offices
- RUE DU GRAND-CHENE 8, LAUSANNE, CH 1003, Switzerland
Contact and registration details
- Legal name
- White Lighthouse Investment Management, Inc.
- Headquarters
- Not reported
- Website
- white-lighthouse.com
- Phone
- 508-471-4431
- SEC file
- 801-79053
- Structure
- Delaware corporation
- Fiscal year end
- December
White Lighthouse Investment Management’s named custodians for separately managed accounts are Charles Schwab ($658M, 81%) and Pershing ($153M, 19%). White Lighthouse Investment Management has custody of $169M for 99 clients.
- Charles SchwabCharles Schwab & Co., Inc. · San Francisco, CA · $658M81%
- PershingPershing LLC · Jersey City, NJ · $153M19%
At year end, White Lighthouse Investment Management’s separately managed accounts were mostly in stocks (88%). Its reported 13F holdings for the quarter ended 30 June 2026 total $802M across 151 positions; the largest are Vanguard Index Fds (16.6%), iShares TR (8.3%) and Vanguard Star Fds (6.8%).
What the accounts hold
- Stocks88%
- Funds4%
- Bonds2%
- Cash6%
How many clients does White Lighthouse Investment Management have?
White Lighthouse Investment Management has 406 clients and manages $919 million for them, as of June 2026. They include 235 individual clients, 170 high-net-worth individuals and 1 corporate or other business client.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 9 June 2026
What services does White Lighthouse Investment Management offer?
White Lighthouse Investment Management provides financial planning, portfolio management for individuals and small businesses, estate planning, insurance, and tax planning.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file; Part 2A brochure, Item 4
Which custodians does White Lighthouse Investment Management use?
White Lighthouse Investment Management’s separately managed account assets are held at Charles Schwab & Co., Inc. (San Francisco, CA), with $658M and Pershing LLC (Jersey City, NJ), with $153M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 9 June 2026
How many financial advisors does White Lighthouse Investment Management have?
White Lighthouse Investment Management has 1 investment adviser representative registered with state securities authorities, out of 9 employees, and 9 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 White Lighthouse Investment Management invest in?
At the end of its last fiscal year, White Lighthouse Investment Management’s separately managed accounts held 88% exchange-traded equities, 6% cash and equivalents, 4% pooled vehicles (private funds and similar) and 2% investment grade corporate bonds.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns White Lighthouse Investment Management?
White Lighthouse Investment Management’s direct owner is Jonathan Lachowitz (75% or more).
Source: Form ADV Part 1A, Schedules A and B, filed 9 June 2026
How does White Lighthouse Investment Management get paid?
White Lighthouse Investment Management 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 White Lighthouse Investment Management?
Its phone number is 508-471-4431. Its website is white-lighthouse.com.
