Team Members

Terry began his financial service career over 44 years ago. He is a Bay Area native living in Alamo with his wife Michele. Terry is a member of Crow Canyon Country Club and "relaxes" with aerobic workouts and an occasional round of golf.  

Terry's is the proud father of 4 "gainfully" employed daughters and is known to his 4 grandchildren as "Pop".

Terry's goal is to improve his client's financial situation today to help them build a more secure tomorrow.  Maximizing financial and retirement plan strategies is the optimal way to allow families and businesses to remain in their own financial world!

Terry's personal philosophy is based on the idea that life is not a dress rehearsal, so we had better enjoy the moment because the future has a way of arriving unannounced.

Terry's Website

Jonathan graduated from the University of San Francisco with a B.S. degree in business administration. While attending USF Jonathan played baseball for the Dons. He was then drafted by the Chicago White Sox where he played for two years. His history revolves around being team oriented which has helped him make a smooth transition into the DWA family. Jonathan is excited to continue to grow his business and work with the firms senior advisors to assist him in helping his clients reach their goals and dreams. When Jonathan isn't working, he spends most of his time coaching baseball, lifting weights and spending time with his family.

Howard entered the insurance and financial services planning profession in 1973 and holds an M.S. in Financial Services from The American College in Bryn Mawr, PA.  He is also a graduate (B.A.) of the University of California, Riverside.   Howard is certified as a Chartered Financial Consultant and is a Registered Representative and Investment Advisor Representative with Ameritas Investment Company, LLC (AIC), Lincoln, Nebraska. He is certified as a Life Member of the Million Dollar Round Table, an international organization of financial service professionals, and he has been associated with David White &  Associates, a full-service financial services firm in San Ramon, CA since 1973.

Howard focuses on working with business owners and professionals by assisting them in developing strategies for their personal financial planning dilemmas.  He has also developed insurance and financial planning programs for members of the California Judges Association and has worked closely with the members of California’s Judiciary since 1992 as their exclusive broker and planner.

Howard resides in Danville, CA.

Howard's Website

Kirk Dobson met Dave White in 1999 and shortly thereafter moved his practice to join David White & Associates. Since that time, Kirk has proven to be one of our leading Certified Financial Planners working with individuals and businesses solving complex issues. Kirk has been instrumental in mentoring and training many of our advisors as they joined our firm.

Qualifications:

• CFP™ Certified Financial Planner
• ChFC Chartered Financial Consultant
• ChSNC Chartered Special Needs Consultant
• Licensed Life, Health and Disability Agent

 Professional Specialties:

• Employee Benefits
• Long Term Healthcare & Life Insurance Planning
• Executive Benefits

Matt Kay has lived in the San Francisco Bay Are all of his life except for the years he spent in college at California State University, Chico.  Matt has always had a mind for all things technological and financial and enjoys engaging in abstract conversations and critical thinking.  At 13, Matt won a paper trading stock picking competition and decided to put some real money into the stock market buying shares of Apple Computer in 1984.

Matt’s passion for investing and meticulous nature led him to a career in the financial planning field which has given him the immense pleasure of helping others with their financial planning needs.  He has been with David White and Associates since starting in the business and feels it is the best decision he could have made for himself and his clients.  His multiple securities licenses including the series 7 and series 66 allow him to offer fee-based services as well as bring a vast array of products and services to his clients.  Matt holds the industry’s highest designation of Certified Financial Planner Professional™ after passing the rigorous Certified Financial Planner™ certification in 2010.   He has also been awarded the coveted “Advisor of the Year” award three times in his tenure at David White and Associates. 

He has attended numerous invite-only National Sales Conferences as well as the Million Dollar Round Table with two years at the prestigious “Court of the Table” level.  His philosophy is, “It’s easy to do well when you always put the client’s needs before your own and let the situation dictate the advice.”

For additional information on the awards listed please follow this link: https://cloud.content.ameritas.com/ratings-and-awards

David Lien was born in Los Angeles and currently resides in Orange County with his wife, Laura, and his 3 kids Jonathan, Tommy and Ashley. He graduated from USC with a BA in Communications and has been in the financial services industry since 2005.

David is an Investment Advisor Representative with Ameritas Investment Company, holding both the Series 7 and 66 Securities registrations. He is also a certified Life, Health, and Disability Agent with certifications for Long Term Care as well as Annuities. His financial advisor experience has been centered around assisting business owners, professionals, and families reach their financial goals in the areas of:

• Investment Management and Wealth Accumulation
• Retirement Planning
• Business Succession Planning
• Tax Savings Strategies
• Estate Planning
• Insurance Protection (Life, Long Term Care, Disability Income)

Personally, David is active in the USC Alumni community and also supports Loyola Marymount University Men’s Water Polo and Foothill High School Cheer.

David Lucas is a graduate of the USC Marshall School of Business earning his B.S. He started his practice with David White & Associates in 1990 and focuses on working with business owners and families. Dave was born in San Francisco and is a Bay Area native. He is involved in a variety of community activities. Dave is a member of the National Association of Insurance and Financial Advisors (NAIFA) and the Association for Advanced Life Underwriting (AALU). Dave helps his clients achieve financial security by providing professional advice and service.

Robert, known by everyone as "Bobby", grew up in the Central Valley where he spent his childhood playing football, baseball, and basketball. During his later years of high school, he became fascinated by the investment world and had his mind set on a career in financial services. Bobby attended California State University of Sacramento, where he obtained his B.A. in Economics. Bobby is delighted to be a part of the David White & Associates family and grow his business helping individuals and business owners achieve their goals through comprehensive financial planning. During his free time, Bobby enjoys spending time with loved ones, going to the gym and cooking. 

Max graduated from Chico State University with a B.S. degree in Business Administration. Armed with a fresh perspective, he's eager to apply his knowledge and embark on his journey into the financial realm. With a great support system around him, he's looking forward to helping individuals, families, and small business owners plan for their financial future.

A Bay Are native, Max spent most of his life in Walnut Creek and is a proud alumnus of Northgate High School where he played baseball and basketball. Now, beyond the office, Max finds solace on the golf course, traveling all over the East Bay with a "Boundary Oak twilight" round being his favorite.  Family time is paramount, he can oftentimes be found enjoying moments with his loved ones and rooting for his favorite baseball team, the Dodgers.

Max is not only about numbers, he also cherishes building meaningful, long-lasting relationships. Always ready to make a difference, he looks forward to connecting with, and positively impacting the lives of those in the community. 

Dave entered the insurance and financial services business in 1969. In recent years, his primary activities have revolved around employee benefits and individual planning.

Dave focuses on providing both products and services that best solve his clients needs. Post sales service is his number one priority.

Scott began his insurance career in 1990 after graduating with a finance degree from Cal State Chico.  He guides families and business owners to execute their financial goals and protect their financial futures by sharing:

- Retirement distribution strategies 
- Buy-sell agreements and key-person planning 
- Create tax-efficiencies 
- Portfolio management 
- Insurances 
- 1031 Real Estate exchanges into Delaware Statutory Trust (DST) investments

Navigating finances is more complicated than ever, full of unexpected twists and turns. Most people are too busy being successful to take the time to look at the things that impact their own finances. Changing tax laws, rules and regulations can dramatically impact how we plan for retirement, college and estate planning, or how we run a business. "Clients often ask what I do . . . but it's not about what I do, it's about sharing ideas on what may be helpful within their unique situation".

Beginning with John Hancock Life Insurance in 1991 and now over a decade of experience with David White & Associates, Scott offers his clients strong financial lateral movement. He helps create a customized plan for your future, utilizing; tax reduction strategies, personalized portfolio design, retirement accumulation and distribution models, long-term care insurance, disability income protection insurance, life insurance and estate planning techniques.

For business owners, either income or taxes can be a problem. Scott helps create tax efficiencies using tax dollars to build personal net worth, establish buy sell agreements and structure key employee retention programs.

David White & Associates has represented The State Bar of California since 1971. Our discounted programs include disability income protection insurance and long-term care insurance (asset protection in retirement years). Many of Scott's clients are attorneys and know they have worked too hard to achieve their level of success, to leave their finances to chance. Scott's goal with State Bar clients is to put the minimum dollars towards a personalized plan that will protect the family if there is an unforeseen bump in the road.

Daniel comes to us with over 30 years of experience in the insurance and financial services industry. He joined the firm in 2020 and has to He is proud of his ability to assess each individual clients’ unique needs and provide personalized options and strategies to help them achieve their goals. Among Daniel’s other skills he has mastered Spanish as a 2nd language. He is also an avid mountain bike enthusiast.