Janis Financial, LLC

Janis Financial provides personalized financial planning and ongoing investment management to individuals as well as pension and profit‑sharing plans, trusts, estates, charitable organizations and small businesses. The firm operates on a fee‑only basis for advisory services but discloses that its advisors are also licensed to sell life and health insurance and may, on a separate basis, offer commissionable insurance products.

The firm employs a core‑and‑satellite investment approach that uses passive index and ETF positions as the core and actively managed funds or selected individual equities as satellites, with an emphasis on large‑cap exposure and portfolios that may concentrate in roughly 10–20 equity positions. Fixed‑income allocations emphasize investment‑grade bonds with moderate maturities, and accounts are generally managed on a non‑discretionary basis with trades executed under a limited power of attorney after client approval.

Notable features include access to initial public offerings, project‑based comprehensive financial planning with separate implementation and hourly follow‑up options, and routine delivery of investment policy statements and quarterly billing in arrears. The firm reports managing roughly $23.6 million for about 78 clients, relies on third‑party custodians rather than acting as custodian itself, and discloses potential conflicts tied to separate insurance commissions.