Our Pricing
Straightforward and Transparent Pricing
We believe you should understand exactly what you are paying for and why.
The cost of financial advice can be difficult to compare. Depending on the advisor or firm, your total cost may include commissions, custodial fees, investment fees, product fees, transaction fees, account administrative fees, and advisor fees.
At JSA, we keep things simple. We are fee-only advisors, meaning only our clients pay us. We DON’T sell financial products and DON’T earn commissions from mutual funds, annuities, insurance products, or other investments.
More importantly, we believe the value of our relationship should extend well beyond the fee you pay us.
We Believe in Long-Term Partnerships
Financial planning isn’t a one-time exercise. Your financial life changes as you change.
You will make important decisions about your career, family, investments, taxes, retirement, charitable giving, and estate planning throughout your life. Our role is to help you navigate those decisions over time.
To do our best work, we partner with our clients for the long haul. The longer we work together, the better we understand you, your goals, your priorities, and the decisions that matter most to you.
Our goal is for the value we provide to far exceed the fee you pay. If we do our job well, you should be better off financially and more confident in your financial life because of the partnership we have built together.
For that reason, we do not offer hourly financial planning services. We believe ongoing advice and a long-term relationship allow us to provide better advice and greater value.
How We Charge
Our clients generally work with us through one of two fee structures:
#1 Investment Management + Financial Planning
For clients who have us manage their investments, we charge a quarterly fee based on the assets we manage.
You only pay a fee on the assets we manage. However, our advice extends well beyond those accounts. We provide insights and recommendations across your entire financial life, including investments we don’t manage.
For example, if you have a $500,000 401(k) through your employer and JSA manages a $400,000 investment account, you pay a fee based only on the $400,000 investment account. We can still provide guidance on your 401(k), along with your other investments, taxes, retirement planning, estate planning, and other financial decisions.
#2 Ongoing Financial Planning
If you prefer to manage your own investments, we offer an ongoing financial planning relationship through a flat-rate annual retainer based on your net worth and income.
You receive comprehensive financial planning and ongoing advice without having JSA manage your investments.
This is still designed as a long-term relationship. We don’t offer hourly planning or one-time financial plans because we believe financial planning is most valuable when it evolves with you.
Let’s Compare
If you’re already working with an advisor, we can help you understand what you’re paying today.
During our initial meetings, we’ll look at the fees and services you’re currently receiving and compare them with what JSA provides. In many cases, we can offer substantial savings, additional services, or both.
And sometimes, the best advice we can give is to stay where you are.
We simply want to help you make an informed decision and determine whether a long-term partnership with JSA makes sense for you.
Why JSA
We Are Fiduciary and Fee-Only
We act in your best interest 100% of the time.
Only our clients pay us. We don’t sell products or earn commissions from the investments or financial products we recommend.
We’re In This Together
We think and act as if your money is our own.
Our Partners and Advisors own the same stocks as our clients and experience the gains and losses alongside you. We have a shared interest in helping you make good long-term decisions.
You Hire Our Entire Team
You aren’t hiring just one advisor. You’re hiring JSA.
We work together as a team, and you’ll get to know our advisors. In many meetings, two advisors participate, giving you more experience, perspective, and continuity.
A Relationship Measured in Decades, Not Hours
We aren’t looking to answer one financial question and send you on your way.
We’re looking to build a relationship that can last for decades, helping you navigate the financial decisions that come with a lifetime.
If you’re looking for a long-term partner who will get to know you, understand what matters to you, and help you make better financial decisions over time, we’d love to start a conversation.
Contact us today to compare fees and services and see if we can help!