AJA Financial LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
The firm provides discretionary investment management and financial planning to individuals, high‑net‑worth individuals, and other investment advisers, offering both project‑based plans and ongoing comprehensive planning tied to managed accounts. It reports approximately $27 million in assets under management and generally tailors portfolios and written plans to client goals and risk tolerances, with no stated account minimum.
The investment approach emphasizes Modern Portfolio Theory principles implemented largely through passive mutual funds and exchange‑traded funds, while the firm also uses cyclical analysis as its primary method of investment analysis. Portfolios are constructed and monitored to match client suitability statements and, where engaged, the advisor typically exercises discretionary authority over trades and allocations.
A feature that distinguishes the firm from many independent RIAs is that the principal is a licensed life insurance agent and is able to offer life insurance and both fixed and variable annuity products in addition to advisory services. The brochure also notes participation in an advisor‑guided 529 program (with those assets excluded from AUM) and the principal’s ongoing service in the U.S. Navy Selected Reserves and recent civic service, which are presented as part of the firm’s professional background.
Client services
Expertise
Fee options
Project-Based Financial Planning fees range from $500 to $1,500 (negotiable). Financial Plan Change/Update fees range from $250 to $1,000 (negotiable).
$0 - $500,000: 1.00% $500,001 - $1,000,000: 0.80% $1,000,001+: 0.70%
Main office
Opelika AL
Advisors at this office
1
Most active in
Alabama · North Carolina · Texas
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Is not active or affiliated with:
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
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