Managed Investments, Retirement Planning

Our focus is on managing investments and helping clients prepare for retirement. We deal with both tax-sheltered and after-tax accounts.

Tax sheltered accounts most often refer to retirement dollars. They include IRAs, SEP-IRAs, SIMPLE IRAs, 401k Plans, Pension and Profit Sharing Plans. Foundations, charitable trust accounts, and college 529 accounts also fall in this category.

After-tax accounts refer to community property, joint tenancy, family living trusts, and Uniform Gift (or Transfer) to Minors accounts.

Management fees range from 1.2% to 1.6% a year, billed quarterly in arrears, subject to an $800 minimum. The fee rate declines as assets under management increase. The fee to manage your employer 401K account is 1.0% a year. All related accounts, when aggregated, are subject to a minimum annual fee of $3,200.

Goals, Time-frame & Constraints - To determine whether our management style fits your situation we’ll spend time with you to find out what you want to do and when you want to do it. You will need to provide information and data about your family and business, if applicable, and existing investment and insurance accounts.

We network with other professionals, including accountants, attorneys, bankers, insurance and mortgage brokers and real estate agents, allowing us to direct you to the people best able to assist you.

Our fee for managing your investments includes a reasonable amount of time spent on your retirement planning matters. More complicated situations are optional and billed on an hourly rate, or a flat fee.

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HISTORY
In 1982 Just Plans was formed to provide investment products for retirement plans and to provide financial counseling to business owners and retirement plan participants.

The predecessor insurance firm (started in 1967) designed and implemented retirement plans for closely held businesses. It provided estate-planning strategies for the business owners, their key people, and other high net worth individuals.

Just Plans refers to its program as “ABEL Strategy”. The concept, conceived in 1991, was initially a non-discretionary account consisting of unique portfolios of no load mutual funds held at Charles Schwab & Co. A 1% fee was charged. The program is now 100% discretionary, using mutual funds and stocks, with accounts at Schwab or TD Ameritrade.