JOS Planning

JOS Planning Firm LLC provides fee-only financial planning and portfolio management for individuals, high‑net‑worth clients, charitable organizations, corporations, estates and trusts, and lists students and professional athletes among its client types. Services described in the brochure include investment management implemented via third‑party Outside Managers, ongoing and project‑based financial planning, financial coaching, and educational seminars.

The firm implements strategies primarily through third‑party advisers and a turn‑key asset management platform, with an emphasis on asset allocation, passive investment vehicles, and Modern Portfolio Theory; portfolios can be customized to incorporate socially responsible (ESG) criteria. Its planning practice highlights charitable gift planning expertise and a hands‑on financial coaching offering (regular contact up to twice monthly, typically six‑month engagements), while seminars are presented as general education rather than individualized advice.

Noteworthy details in the brochure include a formal seminars/speaking program—an offering that is relatively uncommon among independent solo advisers—and a requirement that managed accounts be held on a single custodian platform (Betterment Securities), which may limit client‑directed brokerage choices. The firm is newly registered and reported no assets under management as of year‑end 2025, and the brochure highlights the principal’s advanced planning credentials, including an M.S. in Personal Financial Planning and a charitable gift planning certification.