Brief description of our "Wealth Management Process,"

1.
About Just Plans Etc.
Founded in 1983, Just Plans Etc is a fee‐only wealth management firm that provides comprehensive financial
planning and investment advisory services to more than 100 clients. The firm specializes in tax‐efficient
investing and helping investors realize meaningful value from qualified retirement plans, concentrated stocks
positions, stock options, restricted stock and other forms of equity. Jim Ellman and Barry Mendelson, together,
have more than 50 years experience helping investors grow, manage, and protect their wealth. As an SEC
registered investment advisor, the firm serves as a fiduciary to its clients – placing their interests above all else.
Comprehensive Wealth Management Services May Encompass any of the following;
 Investment Management  Estate Planning Needs Analysis
 Comprehensive Financial Planning  Insurance & Risk‐Management Analysis
 Retirement Planning  Employee Benefits Analysis
 Stock Option Planning  Home Financing and Mortgage Analysis
 Education Planning  Large Purchase Analysis
Wealth Management Process
Discovery Investment Decision & Plan Regular
Meeting Plan Meeting Execution Meeting Reviews
Discovery Meeting Decision & Plan Execution Meeting
Assess goals and current situation Mutual decision to work together
Complete Client Questionnaire Execute necessary documents to put plan in motion
Investment Plan Meeting Regular Reviews
Address critical areas Investment performance and cash flow
Draft personalized, detailed plan Financial plan and progress towards goals
Investment Management
Just Plans investment philosophy is based on timeless economic principles and Nobel Prize winning economic
work. Our investment process is based on asset allocation ‐ where we seek to invest in a globally diversified set
of investments that is appropriate given the client’s goals, time horizon, and appetite for risk. Furthermore, we
invest based on an investment’s relative attractiveness to other asset classes and long‐term expected rate of
return. Our goal is to create and/or preserve long‐term wealth and maximize the probability of a client
achieving their financial goals. Investments typically consist of institutional, low cost, and tax‐efficient mutual
funds and ETFs (exchange traded funds) by such firms as Vanguard, Dimensional Fund Advisors, and iShares.
1399 Ygnacio Valley Road #24, Walnut Creek, CA 94598
925.988.0330 Barry@JustPlans‐Etc.com
www.JustPlans‐Etc.com

2.
Custody, Transparency, & Access
Just Plans utilizes Charles Schwab & Co. for the custody (holding) and clearing (trading) of client assets. The
Charles Schwab Corporation is one of the nation’s leading providers of financial services ‐ providing securities
brokerage, banking, and money management services to individual investors, independent investment advisors,
and corporate and retirement plan sponsors and participants. Just Plans Etc receives no compensation from
Charles Schwab & Co, but utilizes them as an important business, technology, and investment platform provider.
Between Just Plans Etc and Charles Schwab, you have access to your investments 24/7/365.
Fee Schedule
Assets Under Management Annual Fee Minimum Quarterly Fee
$0 to $ 500,000 1.20% $600
$ 500,001 to $1,000,000 1.00% ‐
$1,000,001 to $2,000,000 0.88% ‐
$2,000,001 to $3,000,000 0.72% ‐
over $3,000,000 Negotiable ‐
Every relationship is unique and every investor’s needs are unique. Therefore, we sometimes make exceptions
to our $350,000 new relationship minimum. Financial Planning and Investment Consulting services may also be
provided on a project basis and billed at the rate of $200/hour.
People
Jim Ellman, ChFC – Founder & President
Jim founded Just Plans Etc. in 1983 and has been in the financial services industry since 1967. Jim earned a BS in
Finance from U.C. Berkeley in 1964. From 1964 – 1966, Jim served in the U.S. Army stationed in Okinawa, Japan.
He began offering fee‐based investment advisory services in 1991 and is a Chartered Financial Consultant.
Barry Mendelson, CFP® ‐ Financial Advisor
Prior to joining the firm in 2010, Barry was a Vice President with Charles Schwab & Co. in the company's $245
billion investment management division advising leading investment advisors, banks, and other financial
institutions on investments. During his more than 15 years in the industry, Barry held similar positions with the
AXA Rosenberg Group, Neuberger Berman, and Franklin Templeton Investments.
Barry is a Certified Financial Planner™ professional, having earned a Certificate in Financial Planning in 2004 and
is a board member of the Financial Planning Association of the East Bay and an active member of the Estate
Planning Council of Diablo Valley. Born and raised in Northern California, Barry graduated from Campolindo
High School in Moraga and earned a BA degree in Business Economics from U.C. Santa Barbara. He founded
www.Chairs4Charity.org in 2009 to help Bay Area charities and not‐for‐profits raise money by providing them
unique furniture to auction at fundraisers.
1399 Ygnacio Valley Road #24, Walnut Creek, CA 94598
925.988.0330 Barry@JustPlans‐Etc.com
www.JustPlans‐Etc.com