About just plansetc


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About just plansetc

  1. 1. About Just Plans Etc.Founded in 1983, Just Plans Etc is a fee-only wealth management firm that provides comprehensive financialplanning and investment advisory services to more than 100 clients. The firm specializes in tax-efficientinvesting and helping investors realize meaningful value from qualified retirement plans, concentrated stockspositions, 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 SECregistered 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 ReviewsDiscovery Meeting Decision & Plan Execution MeetingAssess goals and current situation Mutual decision to work togetherComplete Client Questionnaire Execute necessary documents to put plan in motionInvestment Plan Meeting Regular ReviewsAddress critical areas Investment performance and cash flowConstruct personalized, detailed plan Financial plan and progress towards goals Investment ManagementJust Plans investment philosophy is based on timeless economic principles and Nobel Prize winning economicwork. Our investment process is based on asset allocation - where we seek to invest in a globally diversified setof investments that is appropriate given the client’s goals, time horizon, and appetite for risk. Furthermore, weinvest based on an investment’s relative attractiveness to other asset classes and long-term expected rate ofreturn. Our goal is to create and/or preserve long-term wealth and maximize the probability of a clientachieving their financial goals. Investments primarily consist of institutional, low cost, and tax-efficient mutualfunds 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. 2. Custody, Transparency, & AccessJust Plans utilizes Charles Schwab & Co. for the custody (holding) and clearing (trading) of client assets. TheCharles Schwab Corporation is one of the nation’s leading providers of financial services - providing securitiesbrokerage, 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 fromCharles 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 $0 to $ 500,000 1.20% $350,000 $ 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 exceptionsto our $350,000 new relationship minimum.Financial Planning and Investment Consulting services may also be provided on a project basis and billed at therate of $200/hour. PeopleJim Ellman, ChFC – Founder & PresidentJim founded the firm in 1983 and has more than 40 years experience. He is a Chartered Financial Consultant.Barry Mendelson, CFP® - Financial AdvisorPrior to joining the firm in 2010, Barry was a Vice President with Charles Schwab & Co. in the companys $245billion investment management division advising leading investment advisors, banks, and other financialinstitutions on investments. During his more than 15 years in the industry, Barry held similar positions with theAXA Rosenberg Group, Neuberger Berman, and Franklin Templeton Investments.Barry is a Certified Financial Planner™ professional, having earned a Certificate in Financial Planning in 2004 andis a board member of the Financial Planning Association of the East Bay and an active member of the EstatePlanning Council of Diablo Valley. Born and raised in Northern California, Barry graduated from CampolindoHigh School in Moraga and earned a BA degree in Business Economics from U.C. Santa Barbara. He foundedwww.Chairs4Charity.org in 2009 to help Bay Area charities and not-for-profits raise money by providing themunique 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