Financial Justus

Financial Justus provides wealth management to individuals and couples through comprehensive financial planning, discretionary portfolio management, and optional tax preparation services. Clients begin with financial planning and receive ongoing meetings and consultations tailored to goals such as retirement, estate, cash‑flow, and college planning.

The firm’s investment approach emphasizes fundamental analysis and a primarily long‑term, portfolio‑based strategy that leans on low‑cost, diversified mutual funds and ETFs, with selective use of individual bonds or CDs when appropriate. Financial Justus exercises discretionary authority to implement and adjust portfolios as client circumstances or market conditions change and relies on third‑party research and vendor tools to support its work.

Noteworthy aspects include approximately $169 million in assets under management across roughly 70 clients, indicating higher than typical assets per client for an independent adviser. The firm integrates tax preparation into its wealth management engagements, uses standing letters of authorization and constructive‑custody arrangements, and outsources back‑office, reporting and due‑diligence functions to an unaffiliated third‑party provider (FocusPoint Solutions), operating on a fee‑only basis without receiving commissions or performance‑based fees.