A clear process.
A long relationship.
We are a fee-only, fiduciary advisory firm. No commissions, no products to sell, no hidden incentives. Just straightforward advice and a disciplined process built around your actual life.
-
FEE-ONLY
We earn a single advisory fee — nothing else. No commissions, no revenue sharing, no kickbacks.
-
FIDUCIARY
We are legally and ethically required to act in your best interest at all times. Not just most of the time.
-
INDEPENDENT
No parent company, no product shelf, no quotas. We choose investments based on merit alone.
“We don’t predict markets. We build portfolios designed to compound through every market environment over decades.”
From first conversation —
to lifelong partnership
Here is exactly what working with us looks like — from the day you reach out to the decades of reviews ahead.
#1 — Discovery call — is this a fit?
We start with a 30-minute introductory conversation — no pitch, no pressure. You tell us where you are, where you want to go, and what's keeping you up at night. We share honestly how we work and whether we think we can help. If it's not a fit, we'll say so and point you in a better direction.
What you'll walk away with: A clear sense of whether JAI is the right firm for you — and a frank conversation about your biggest financial questions.
#2 — Full financial picture
If we move forward, we gather everything: investment accounts, retirement projections, tax situation, insurance, estate planning, held-away assets, and the goals underneath all of it. We build your complete Asset Map and create an Investment Policy Guide — a written document that defines exactly how your money will be managed and why.
What you'll walk away with: A clear, written investment policy and a complete map of your financial world — many clients tell us this alone is the most useful financial document they've ever had.
#3 — Portfolio Construction
We build a low-cost, broadly diversified portfolio using institutional-quality ETFs organized around our proprietary style framework. Every position has a purpose. We explain each one. Your portfolio is not a template — it is built around your specific tax situation, retirement timeline, cash flow needs, and risk temperament.
What you'll walk away with: A fully implemented portfolio with a systematic cash bucketing structure — so you always know which money is working and which money is waiting for you.
#4 — Annual reviews — and all the moments in between
We meet at least annually to review your full financial picture: portfolio performance, withdrawal rates, tax planning opportunities, Roth conversion analysis, Social Security timing, RMDs, and anything new on the horizon. But our relationship isn't limited to one meeting a year. When life changes — a job transition, an inheritance, a health event, a market drop that's making you nervous — you call us.
What you'll walk away with: A relationship with an advisor who knows your name, remembers your goals, and can talk you down from a ledge when the market is acting up. That coaching is worth more than any trade we'll ever make.
#5 — Rebalancing — systematic, not emotional
We rebalance based on drift from target allocations — not on market predictions, not on headlines, not on what's been performing. When equities run up and drift beyond tolerance, we trim and redeploy. When markets sell off and you're underweight equities, we add. This is the opposite of how most investors behave, and it is one of the most durable sources of long-run value we provide.
What you'll walk away with: A portfolio that is always close to where it is supposed to be — and an advisor who acts as a counterweight to the emotional impulses that derail most investors.
“The goal isn’t to outperform the market. The goal is to have enough money to live the life you planned — without running out, and without losing sleep.”
Ready to have a real conversation?
The first step is a no-pressure, 30-minute call. Tell us where you are. We'll tell you if we can help.