JTM Wealth Management, Inc.

JTM Wealth Management, Inc. is an independent, state‑registered, single‑advisor firm that primarily serves individual clients and manages about $24.9 million in discretionary assets. The firm provides ongoing portfolio management and written financial planning and implements investment advice through third‑party custodians; it does not participate in wrap‑fee programs.

The firm follows a long‑term, Modern Portfolio Theory–based approach and manages accounts using diversified, model‑based portfolios aligned with each client’s risk tolerance and objectives rather than creating fully customized holdings for every account. Portfolios are typically managed on a discretionary basis, reviewed at least quarterly, and clients may impose reasonable investment restrictions or choose non‑discretionary arrangements.

A distinctive feature is the firm’s affiliation with an accounting practice: the firm’s principal is a licensed CPA who devotes approximately 49% of his time to tax preparation and accounting services and makes those services available to clients. The principal is also licensed to sell insurance and annuity products (approximately 4% of his time) and receives commissions for those sales; the brochure discloses these potential conflicts and states clients are not required to use the ancillary services.