Phillip James Financial Co.
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About
Phillip James Financial serves individuals and families, with a stated focus on clients who are retired or roughly ten to fifteen years from retirement. The firm offers integrated services including asset management, comprehensive financial planning, retirement planning, tax planning and tax preparation, and it also manages held‑away retirement accounts and 529 plans.
The firm's investment approach is long‑term and academically grounded, using Modern Portfolio Theory to construct globally diversified, tax‑efficient portfolios built primarily with low‑cost ETFs that are monitored and rebalanced to maintain target allocations. Financial planning is treated as a living document integrated with investment management; the firm conducts ongoing reviews (at least annually) and provides clients unrestricted access to the advisory team.
A distinctive feature of the practice is the combination of accounting and investment expertise: it was founded by professionals with both accounting and CFA credentials and operates an in‑house tax preparation and tax‑strategy service (PJFTax) that is integrated into client planning. The firm manages roughly $197 million of mostly discretionary assets with two advisors, typically requires clients’ investable accounts to be placed under management, and operates on a fee‑only, fiduciary model.
Client services
Expertise
Demographic focus
Fee options
Initial financial planning fee of $2,500 to $5,000 depending on complexity; waived if client becomes ongoing client
$0 - $500,000: 1.50% $500,001 - $5,000,000: 1.00% $5,000,001+: 0.50%
Account minimum: $750,000 (may be waived at firm's discretion) Minimum fee: $12,500 annual minimum fee (may be waived at firm's discretion) Fee-only: Fee-only financial advisory services; no commissions
Main office
3675 Plymouth Boulevard, Suite 110
Plymouth MN 55446
Advisors at this office
2
Most active in
Minnesota
Also doing business as
Phillip James Consulting Co. · Phillip James Financial · Phillip James Financial Co. · Pjf Tax · Zero Commission Investing
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is active or affiliated with:
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Quick links
Advisors at this firm
Phillip C
CFA®
Plymouth, MN
Phillip James Financial Co.
Phillip Christenson is a CFA® charterholder with 12 years of industry experience. He is affiliated with Phillip James Financial Co. and has operated Phillip James Consulting Co. since 2010. Outside of his advisory work, he manages CS Holdings LLC, a residential rental real estate business. Phillip James Financial serves individuals and families, focusing on those who are retired or nearing retirement. The firm provides integrated financial planning and asset management with a long-term, academically grounded investment approach centered on globally diversified, tax-efficient portfolios.
James S
Plymouth, MN
Phillip James Financial Co.
James Sexton is a financial advisor at Phillip James Financial Co. in Plymouth, MN, with 12 years of industry experience. He has been associated with Phillip James Consulting Co. since 2010. Outside of his advisory role, he manages a residential rental real estate business. Phillip James Financial serves individuals and families, particularly those retired or approaching retirement, offering integrated asset management, financial planning, retirement and tax planning, and management of held-away retirement accounts and 529 plans. The firm employs a long-term, academically based investment approach using globally diversified, tax-efficient portfolios primarily composed of low-cost ETFs, complemented by an in-house tax preparation and strategy service.
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