Jim McKeever

The firm provides comprehensive financial planning and investment advisory services to a limited number of Key Clients (individuals and households) and executes investment advisory services exclusively through its own wrap-fee program. It also offers retirement plan consulting to ERISA-covered plan sponsors and may work with charitable organizations and other non-investment planning clients.

Investment management is primarily non-discretionary — the adviser reviews proposed transactions with clients and executes only with their permission — and focuses on retirement accumulation and tax-efficient distribution using pooled vehicles (no-load or load-waived mutual funds, ETFs), variable annuities, select alternatives, and limited individual securities. Research comes from independent providers such as Morningstar, Lipper and S&P, and compensation for comprehensive services is typically an all-inclusive flat fee billed quarterly rather than a percentage-of-assets; insurance product sales can involve commissions that are disclosed to clients.

Noteworthy distinctions include operating as the sponsor of a wrap-fee program while managing approximately $87.9 million of non-discretionary assets (with an additional ~$19.0 million under advisement), holding California insurance licenses and acting as an insurance broker/agent, and providing ERISA fiduciary and pension consulting services to plan sponsors. The combination of a wrap program sponsor, primarily non-discretionary AUM, insurance brokerage activity, and work for charitable and pension-plan clients is less common among independent, solo-practitioner peers.