J. Freeman & Associates

JFA Advisors, LLC (doing business as J. Freeman & Associates) serves individuals, small businesses, trusts, estates and high‑net‑worth clients, offering discretionary asset management, financial planning, and retirement plan services. The firm also provides ERISA plan services — including acting as a 3(38) investment manager for 401(k), 403(b), pension, profit‑sharing, cash balance and deferred compensation plans — and may appoint sub‑advisors for client accounts.

The firm documents client objectives and builds customized asset allocations using fundamental and technical analysis, monitoring portfolios with at least annual reviews and more frequently as market conditions dictate. JFA’s stated investment toolbox includes options, margin and other leveraged techniques, and it executes discretionary trades on behalf of clients when authorized.

Notable distinctions in the brochure include broker‑dealer activity and dual registration of its supervised person (a registered representative at DFPG Investments) and a long‑standing affiliation as an insurance agent (J. Freeman & Associates, Inc.), with disclosure that representatives may receive commissions for insurance or brokerage products. The firm manages roughly $175 million through a single advisory professional across about 345 client relationships—an unusually high client count per advisor—and discloses practices such as fee deductions by custodians and the use of margin or leverage in managed accounts.