JMR Financial Group

JMR Financial Group provides discretionary portfolio management and financial planning to a broad client base that includes individual investors (including high-net-worth clients), qualified retirement plans, businesses, estates, and trusts. The firm reports roughly $68 million in assets under management across about 835 client relationships and charges asset-based fees for ongoing portfolio management.

The firm implements asset-allocation strategies using ETFs, mutual funds and, when appropriate to a client’s risk profile, individual securities; investment selection is informed by third‑party research and Morningstar-style analytics. Advisory accounts are typically managed on a discretionary basis under a limited power of attorney with quarterly reporting, and the firm discloses it may use shorting, leverage or inverse instruments when aligned with a client’s objectives and risk tolerance.

Notable distinctions include an owner who is a licensed CPA and in‑house tax, accounting and payroll services, which the brochure identifies as a formal part of the firm’s offerings rather than a referral relationship. The firm also engages in insurance sales and third‑party administration for retirement plans (including a history of placing plan business with a group annuity provider), and it operates with a very high client-to-advisor ratio—well over 200 clients per advisor—each of which the brochure notes can create potential conflicts that are disclosed to clients.