JPC Wealth Management, Inc.

JPC Wealth Management serves primarily individual clients and manages about $312.7 million in discretionary assets across roughly 155 client relationships with a two-advisor team operating out of three offices. The firm provides ongoing, goals-based financial planning and discretionary portfolio management, and it routinely coordinates with other professionals such as estate, tax, and long-term care specialists to implement client plans.

The firm’s investment process begins with a detailed review of client goals and uses Monte Carlo analysis and historical return patterns to stress-test those objectives before recommending allocations. Portfolios are implemented with a broadly diversified, multi-asset-class approach (cash, bonds, domestic and international equities, and real estate equity) that favors institutional mutual funds and ETFs and a passive asset-allocation orientation that de-emphasizes market timing and individual stock picking.

Distinctive features include a relatively small advisory team overseeing a substantial discretionary asset base and a custodial requirement with a single custodian (Charles Schwab), with disclosed firm benefits from Schwab’s institutional services that can present potential conflicts of interest. The firm also maintains a formal tri-party referral arrangement with an unaffiliated advisor program to provide an alternative implementation path for referred clients who do not meet its account criteria.