Firm Info
Firm Size
Services Offered
- Financial Planning
- Portfolio Management for Individuals & Small Businesses
Types of Clients
- Individuals (Not High Net Worth)
-
Individuals High Net Worth
*>=750k in Investable Assets or >=1.5m of Estimated Total Net Worth
- Pension & Profit Sharing Plans
- Charitable Organizations
- Corporations or Other Businesses Not Listed Above
Available Fee Structures
- Percentage of Assets Under Management (AUM)
- Hourly
- Fixed Fees (Other than subscription)
C-J Advisory, Inc. Overview
C-J Advisory, Inc. is a registered investment advisory firm located in San Jose, California. The firm has been providing investment advice since 2009 and specializes in fee-only fee arrangements. With their focus solely on investment advice, they are able to provide their clients with unbiased financial planning and portfolio management services. Clients of C-J Advisory have access to a range of financial planning services, including retirement planning, tax planning, estate planning, and investment planning. The firm's experienced team is knowledgeable in all areas of financial planning and works closely with each client to develop personalized strategies that align with their unique financial goals. In addition to financial planning, C-J Advisory also provides portfolio management services for individuals and small businesses. Their investment management process is comprehensive and includes portfolio analysis, risk assessment, and ongoing monitoring and adjustments. With a focus on maximizing returns while minimizing risk, C-J Advisory helps clients achieve their long-term financial objectives with a disciplined investment approach. Overall, C-J Advisory, Inc. is a trusted investment advisory firm that offers comprehensive financial planning and portfolio management services. Their commitment to fee-only arrangements ensures clients receive unbiased advice, while their experienced team provides personalized strategies tailored to each client's unique financial needs.
C-J ADVISORY, INC. serves a diverse range of clients including individuals, high net worth individuals, pension or profit sharing plans, charitable organizations, and other types of corporations not listed. Their broad range of expertise allows them to cater to clients with varying financial needs and goals. They strive to provide each client with individually tailored financial plans that can help them achieve their long-term objectives. Depending on the nature of the service required, C-J ADVISORY, INC. offers a range of fee structures. Clients may be charged a percentage of assets under management (AUM) for investment management services or they may be billed hourly for consulting advice. For other services, such as financial planning or tax preparation, fixed fees may apply. All fees are competitive and transparent, so clients will always know exactly what they are paying for. By offering a variety of fee structures, C-J ADVISORY, INC. is able to accommodate the diverse needs of its clientele and ensure that they receive the appropriate level of service for their specific needs and financial goals.
Typical Clients, Fee Structures & Investment Minimum
The Part 2 Brochure of C-J ADVISORY, INC. states that the firm may impose a minimum account size of $25,000. However, they also mention that they may waive this minimum at their discretion. Therefore, it seems that the investment minimum for this firm is $25,000, but there may be cases where they allow clients to invest less than this amount.
How This Office Can Help Santa Clara, CA Residents
C-J Advisory, Inc. provides personalized financial planning and investment management services to clients in Santa Clara, CA. Our team of experienced financial advisors helps individuals and families navigate their unique financial situations, including but not limited to retirement planning, wealth management, and tax planning. We understand that many in Santa Clara are facing increasingly complex economic challenges, from rising healthcare costs to volatile markets, and we tailor our strategies accordingly to ensure our clients are well-positioned for the future. For those nearing retirement age in Santa Clara, we offer comprehensive retirement planning services, taking into account a range of factors from Social Security income to estate planning. We also work with clients who are just starting to build their wealth and financial plan, developing strategies to help them grow and protect their assets over time. No matter the specific financial situation, our team at C-J Advisory, Inc. is committed to helping our clients achieve their financial goals and secure their financial future.
Services Offered by C-J Advisory, Inc.
Core Advisor Services
Financial Planning
Financial planning services encompass the process of devising strategies for your future financial well-being, including preparing for events such as retirement, funding your child's college education, or planning for the transfer of assets.
Portfolio Management for Individuals & Small Businesses
Portfolio management entails the careful selection and strategic management of investment combinations tailored to meet the needs of individuals and small businesses.
Market Timing Services
Market timing services involve the endeavor to generate short-term profits from investments by capitalizing on opportunities to buy at low prices and sell at high prices.
Other Services
Selection of Other Advisors
The firm provides support in selecting and engaging other advisors who possess specialized expertise to complement your financial needs.
Publication of Periodicals or Newsletters
The firm engages in the dissemination of diverse financial educational materials through the publication of periodicals.
Educational Seminars & Workshops
The firm organizes and conducts seminars or workshops aimed at enlightening investors on various financial concepts.
Fee Structures
Financial advisory fees usually are based on the services provided. Fee types charged by C-J Advisory, Inc. most likely consist of the following fee types: asset-based, hourly or fixed. Wrap fee programs, or the practice of bundling services for a single fee, are not offered by the firm.
Available
Percentage of Assets Under Management (AUM)
This fee structure charges a percentage of the assets under management by the firm. Fee structures are often tiered based on the amount of assets managed, with higher AUM often charged a lower rate.
Between 0.50% and 2.00% of assets under management (annually), often lower for a robo advisor. Fees are typically charged quarterly by the firm and will show on your investment statement. View typical advisor costs here.
~96% of registered firms offer this fee structure.
If you have $1 million managed by a firm at a 1% management fee, you would be charged $10,000/year to manage your assets (or $2,500 per quarter). This would be automatically deducted from your investment portfolio.
Hourly
Similar to an attorney, a financial consultant might charge fees based on hourly rates. This fee structure can be advantageous when seeking specific or ad hoc advice.
Charges generally span from $150 to $400 per hour, depending on the extent of the services required.
~33% of registered firms offer this fee structure.
If you needed hourly consulting to sell a business or transfer your estate to your children but did not want your assets managed by a firm, you could consult a firm at an hourly rate to answer any questions you may have.
Fixed Fees (Other than subscription)
Fixed fees are a one-time, lump-sum payment rendered for a specific service, such as creating a financial plan without ongoing management or implementation. This option is beneficial if you solely require guidance for a particular objective rather than a long-term consultancy or asset management.
Fixed fees for creating a financial plan often range from $1,000 to $3,000.
~49% of registered firms offer this fee structure.
If you did not want a firm to manage your assets but needed to create a retirement plan, life transition plan such as divorce or loss of a spouse, estate transition plan, business financial plan, or any other financial planning, you could consult with an RIA firm to help you with the creation of that plan.
Unavailable
Subscription (Newsletter or Periodical)
Commissions
Occasionally, advisors are compensated through commissions by selling certain financial products, such as mutual funds or life insurance policies, or as a broker-dealer by facilitating the buying and selling of securities. Advisors who receive commissions may be incentivized to make specific suggestions to clients in order to secure a commission. Advisors who operate on a fee-only basis do not earn commissions, whereas fee-based advisors may do so.
Often 3% - 6% of the value of the security.
Only ~3% of registered firms say they offer this fee structure, but other advisors may receive “soft dollars”. Many mutual funds charge 12b-1 fees to cover the promoting and selling of the fund’s shares. While your advisor does not charge these fees, they may receive a kickback for recommending the investment.
An advisor selling their client on a life insurance policy and receiving a commission on the sale of that policy, or recommending a specific investment and receiving a kickback for that recommendation.
Performance-based Fees
Advisors typically obtain performance-based fees if a portfolio surpasses a predefined benchmark. This fee is determined through various methods, but is most commonly assessed as a percentage of investment gains. Performance-based fees may incentivize advisors to undertake riskier decisions in pursuit of generating higher returns.
“Two and Twenty” is common among hedge funds with a 2% management fee and a 20% incentive fee above the “hurdle rate,” or performance threshold the fund is compared against.
32% of registered firms offer this fee structure.
A hedge fund earns a 15% return with a 20% performance fee in above the performance of the S&P 500, which grew 7% that same year.
20% of fund growth in excess of S&P 500’s 7% growth for that year = 15% hedge fund growth - 7% S&P 500 growth = 8% difference x 20% = 2% performance fee (in addition to the management fee).
Other
Firms occasionally offer unconventional fee structures when charging clients. For more detailed information about a firm’s specific fee structures, please refer to their Form ADV and Part 2 Brochure.
Types of Clients
*The Securities & Exchange Commission defines someone as “high net worth” if they have $750,000 or more in investable assets or $1.5M of estimated total net worth.
This Office Location
Other Office Locations
Firm Headquarters
This firm has no other locations.
Disciplinary History
C-J Advisory, Inc. does not have any disclosures. Please visit it's Form ADV for more details.