RJ20, Inc.
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$0
Clients
0
Advisors
1
of 2 employees
Firm type
Independent
1 advisor with up to 2 employees
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
0
Very LowAverage account size
—
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
Financial planning
Educational seminars or workshops
Expertise
General retirement planning
College savings (529s, UTMA, etc.)
Occupation focus
Founder/Business Owner
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 location
RJ20, Inc.
Durham NC, United States
Number of offices
1
Most active in
RJ20, Inc. has reported serving >5 clients in these states in the last 12 months.
North Carolina
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is not active or affiliated with:
-
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.
-
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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