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Developing Financial

Updated today

Client AUM

$1,801,732

Clients

22

Advisors

1

of 1 employees

About

Developing Financial serves individual clients, including high‑net‑worth individuals, with a niche focus on attorneys and similar professions. Services are delivered as an integrated ongoing financial planning engagement that includes discretionary portfolio management, and the firm also offers project‑based student loan repayment planning.

The firm’s investment approach is grounded in Modern Portfolio Theory and primarily implements passive strategies using index mutual funds and ETFs to build diversified, asset‑class allocations. Financial planning and portfolio management are provided together rather than as standalone offerings, with periodic reviews and a tailored meeting cadence to monitor goals, risk tolerance and implementation.

One uncommon feature is that the firm does not use a percentage‑of‑assets‑under‑management fee model; instead it bills its combined planning and management service using a household‑income‑based periodic fee structure. The principal holds CFP®, CPA and Certified Student Loan Professional credentials, which aligns with the firm’s explicit focus on student‑loan advice and its lawyer‑oriented client niche.

Client services

Financial planning Portfolio management
Project-based student loan repayment financial planning

Expertise

Student loan debt

Occupation focus

Attorney

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Fee options

Fixed

Project-Based Financial Planning fixed fee ranges between $500 and $1,000, negotiable

Main office

Petaluma CA

Advisors at this office

1

Most active in

California · New York · Texas

Also doing business as

Developing Financial · Developing Financial LLC

Disclosures

Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.

Business activities & affiliations

Advisors at this firm

L.J. J

CFP®, CPA

Petaluma, CA

Developing Financial

“I want to make the right decisions but I don’t have time to figure it out on my own.” “Can you help me with my student loans? This is more complicated than I thought it would be.” “How do I invest? I know it’s important but I don’t know the best way to do it and I don’t want to mess it up” Have you said any of these before? You’re not alone if you have. I have heard these statements from many lawyers I’ve met throughout my wife’s time in law school and her legal career. As a CPA, CFP, and someone who has worked in financial planning, I have seen young people who are overwhelmed about managing their personal finances. I have also seen people near retirement who unfortunately didn’t make good financial decisions and now have to modify their future lifestyles because of their financial situations. I hate seeing people not achieve everything they want in life because they can’t afford their dream lifestyle. So I set out to change that. My mission is to help young lawyers establish a strong financial foundation early in their careers so they can capitalize on future opportunities instead of trying to fix financial mistakes. So I created the Developing Financial Process. My process identifies what is most important to you, analyzes your current financial situation, builds a comprehensive financial plan, implements the plan, adapts the plan as your life changes on an ongoing basis, and most importantly educates and empowers you throughout the entire process. My process helps you pay off your student loans completely, invest effectively, save and spend intentionally, and achieve your financial goals and ambitions. I believe that everyone should live their dream life without worrying about their finances. I live what I preach and when I’m not working, I am out living. I love to travel and have visited many states and countries. My family and I go camping, spend time at the beach, and visit friends and family as often as possible. I truly love educating and empowering people to live their ideal life. I hope you reach out to learn more about my process and how financial planning can benefit young lawyers like yourself!

Student loan debt Attorney Young Professionals Gen Y/Millennials (Born 1980-1995)
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