F.A.Q.

What services do you provide?

We provide financial planning and asset management services.

What are your professional certifications?

Jack Johnson is both a Certified Financial Planner ™, CFP^®, and Certified Public Accountant, CPA.

Do you offer a free initial consultation?

Yes. We offer a free one hour consultation.

What is your fee structure?

We have an annual fixed fee based on the complexity of a client's portfolio. Typically, this fee is less than the standard advisor pricing of a percentage of assets under management. We receive no compensation from any of the investments we recommend. We do not sell any commissioned based products.

Can you help me with my 401k?

We can review the investment choices from a 401k plan and make recommendations based on the client’s overall asset allocation.

Why do I need a financial plan?

A typical person may spend 25% to 30% of their life in retirement. This means they have to manage their investments and withdrawals wisely or face the risk of running out of money before they run out of life—not a pretty picture. A financial plan acts as road map for a person’s financial future. This road map helps a person understand how to invest and how much to save in order to reach their financial goals and objectives.

Why do I need someone to manage my investments?

People are time constrained and cannot put in the necessary effort to maintain a globally diversified portfolio. Often investment accounts (including 401ks and IRAs) are scattered throughout many brokerages, banks, employers, etc. No consolidated reporting is provided and therefore the person does not have an accurate picture of their total portfolio. A managed account has the advantages of consolidated reporting, consistent asset allocation, periodic re-balancing and utilization of low cost index based investments.

Do you take possession of my funds?

No. All client funds are maintained by Charles Schwab Institutional. Clients have complete access to their funds and investments at all times.

Do you have a minimum account balance?

No. Our minimum quarterly charge is $1,000.

Can you trade my account without my permission?

No. Trades can only placed with the client's express consent.

How often do I receive reports?

Clients receive quarterly portfolio reports. Reports include performance with IRR, benchmark comparison, rebalancing, asset allocation and narrative comments. In addition, clients receive monthly brokerage statements from Charles Schwab

How often do you meet with clients?

At a minimum, we meet with clients in person on an annual basis. Additional meetings are scheduled as necessary.

Are references available?

Yes. A prospective client may speak to a current client prior to engaging our firm.