# White Sand Wealth Management

> White Sand Wealth Management is an SEC-registered investment advisory firm in Liberty, MO, registered since 2024, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated September 24, 2026.

- CRD: 304614
- Filed as: WHITE SAND WEALTH MANAGEMENT
- Legal name: White Sand Wealth Management, LLC
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Liberty, MO
- Filing period: October 2026
- Form ADV filing dated: September 24, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/304614
- AdvisorCensus page: https://advisorcensus.com/firm/white-sand-wealth-management-liberty-mo-304614

## Quick answers

**How is White Sand Wealth Management compensated?**
On its Form ADV (Item 5.E, October 2026), White Sand Wealth Management reports these compensation arrangements: a percentage of assets under its management; hourly charges; fixed fees (other than subscription fees).

**How much does White Sand Wealth Management charge?**
Its Form ADV Part 2A brochure dated February 11, 2026 states: Subscription: $250 to $3,000 a month (Ongoing Financial Planning); Flat fee: $3,000 to $5,000 (Project Based Financial Planning Fixed Fee); Hourly rate: $250 an hour (Financial Planning Hourly Fee). Fees can differ by service and may be negotiable; the brochure is the complete statement.

**Where is White Sand Wealth Management located?**
White Sand Wealth Management's principal office is in Liberty, MO, according to its Form ADV.

**Is White Sand Wealth Management registered with the SEC or a state?**
White Sand Wealth Management is an SEC-registered investment advisory firm, registered since 2024. Status as filed: Approved. CRD 304614.

**How much does White Sand Wealth Management manage?**
White Sand Wealth Management reports $172,416,408 in regulatory assets under management in its Form ADV filing dated September 24, 2026 (100% discretionary).

**How have White Sand Wealth Management's assets and staff changed since 2024?**
In the Form ADV data for White Sand Wealth Management: Regulatory assets under management: $111,333,190 in the October 2024 data and $172,416,408 in the October 2026 data, up 55%. Total employees: 7 in October 2024 and 7 in October 2026. Assets under management move with markets as well as with clients coming and going.

**What types of clients does White Sand Wealth Management serve?**
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (133); high net worth individuals (55); pension and profit sharing plans (but not the plan participants or government pension plans) (5).

**Which custodians does White Sand Wealth Management use?**
White Sand Wealth Management's most recent Form ADV filing (Schedule D, Section 5.K(3)) lists Charles Schwab & Co., Inc. as a custodian holding 10% or more of its separately managed account assets.

**Does White Sand Wealth Management report any disciplinary disclosures?**
Reports no disclosure items on Form ADV Item 11. The detail of any item is on the firm's SEC record: https://adviserinfo.sec.gov/firm/summary/304614

**Does White Sand Wealth Management state an account minimum?**
Its Form ADV Part 2A brochure dated February 11, 2026 says: "Our minimum account size requirement is $250,000."

**What changed in White Sand Wealth Management's recent Form ADV filings?**
In the October 2026 filing data: Employees performing advisory functions went from 4 to 5.

## From the Form ADV filing

### Compensation (Item 5.E)
- A percentage of assets under your management
- Hourly charges
- Fixed fees (other than subscription fees)

### Fees and minimums (Form ADV Part 2A brochure dated February 11, 2026)

- Account minimum: $250,000

> Our minimum account size requirement is $250,000.

- Subscription: $250 to $3,000 a month (Ongoing Financial Planning)

> Ongoing Financial Planning consists of an ongoing fee that is paid monthly, in advance, at the rate of $250-$3,000, depending on complexity and needs of the client, per month.

- Flat fee: $3,000 to $5,000 (Project Based Financial Planning Fixed Fee)

> Financial Planning can be offered on a fixed fee basis. The fixed fee will be agreed upon before the start of any work. The fixed fee can range between $3,000 and $5,000.

- Hourly rate: $250 an hour (Financial Planning Hourly Fee)

> Hourly Financial Planning engagements are offered at an hourly rate of $250 per hour, depending on complexity.

As stated in the firm's brochure. Fees can differ by service and may be negotiable.

### Custodians (Schedule D, Section 5.K(3))
- Charles Schwab & Co., Inc.

Custodians holding 10% or more of the firm's separately managed account assets, as filed on Form ADV (Schedule D, Section 5.K(3)). A custodian holds client assets; it does not endorse or supervise the firm. AdvisorCensus has no relationship with any custodian.

### Regulatory assets under management (Item 5.F)
- Total: $172,416,408
- Discretionary: $172,416,408
- Non-discretionary: $0

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 133 | $37,099,231 |
| High net worth individuals | 55 | $127,981,288 |
| Pension and profit sharing plans (but not the plan participants or government pension plans) | 5 | $4,349,322 |
| Charitable organizations | 3 | $298,234 |
| State or municipal government entities (including government pension plans) | 1 | $2,688,333 |

### Advisory services (Item 5.G)
- Financial planning services
- Portfolio management for individuals and/or small businesses
- Portfolio management for businesses (other than small businesses) or institutional clients
- Selection of other advisers (including private fund managers)

### Firm details
- Registered since: 2024 (2 years)
- Employees: 7 total, 5 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: FL, KS, MO, TX
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Websites listed on Form ADV (Item 1.I)
- whitesandwealth.com
- wswm.net
- Facebook @WhiteSandWealth
- Instagram @white_sand_wealth

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2024 | $111,333,190 | 7 | March 27, 2024 |
| October 2025 | $138,906,537 | 7 | April 28, 2025 |
| October 2026 | $172,416,408 | 7 | September 24, 2026 |

Regulatory assets under management: $111,333,190 in the October 2024 data and $172,416,408 in the October 2026 data, up 55%.
Total employees: 7 in October 2024 and 7 in October 2026.

## Changes in the filing (last 12 months)

### October 2026
- Employees performing advisory functions went from 4 to 5.

### March 2026
- Employees performing advisory functions went from 3 to 4.
- Regulatory assets under management went from $138,906,537 to $172,416,408 (+24%).

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. White Sand Wealth Management (CRD 304614): Form ADV filing data as of October 2026.