RJ20, Inc.
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
RJ20, Inc. delivers non-discretionary investment guidance and educational tools to participants in employer-sponsored retirement plans and other institutional plan clients. Services are provided through an online platform that generates individualized 401(k) reports, an online financial planning portal, and access to a college‑planning tool for plan participants.
The firm acts as an ERISA fiduciary with responsibility limited to participant-level advice and uses a proprietary online modeling process together with common analytical methods (fundamental, technical, and asset‑allocation frameworks such as core+satellite and modern portfolio theory) to formulate recommendations. Advice is delivered electronically and participants retain implementation authority; RJ20 does not exercise investment discretion or custody client assets.
RJ20 is registered as an internet-only adviser and makes education a central part of its offering, providing a vendor-delivered, year‑long financial wellness program and online workshops that supplement its planning reports—features that are uncommon among institutional-focused managers. The firm also generally avoids a standard percentage‑of‑assets fee model by charging per‑participant or negotiated plan fees, and it discloses it does not sell investment products or accept third‑party sales compensation.
Client services
Expertise
Occupation focus
Fee options
Flat annual charge per active participant; specific amount varies by plan
Fee-only: Flat annual charge per active participant; fee may also be calculated as 0.04% of plan assets (negotiable)
Main office
Durham NC
Advisors at this office
1
Most active in
North Carolina
Also doing business as
Name 807 · Rj20, Inc.
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
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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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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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.
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