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People establish a relationship with Just Plans because they are overwhelmed by the multitude of options from which to choose, and the information they need to digest. Most of our clients don't have the time or the interest to do the research. Many don't have time to monitor their holdings. You spent years in school preparing for a career, and you need to spend time – probably with an advisor – preparing for retirement, and if you haven’t already done so getting your children through college.

Our business is built on relationships. We work with you to identify and quantify your objectives. The first step involves gathering personal and financial information. Goals are established and constraints identified. Relationships prosper when expectations are realistic. The investment returns we aim to provide are based on what is needed to reach your goals, taking into consideration your ability to tolerate market volatility.

Interfacing with Just Plans -

Our ABEL Strategy accounts are 100% discretionary. We allocate portfolio assets between individual stocks and may use certain mutual funds. Depending on the size of the account, 30% to 50% may be allocated to core fund holdings, with another 30% to 50% allocated individual stocks bought opportunistically. Our objective is to earn a ten to twelve percent return net of fees. The balance of the account, if any, will be held in short-term government bonds, cash, or non-core mutual funds. Monthly statements are provided by the of the securities custodian (Charles Schwab & Co. or TD Ameritrade). Just Plans provides quarterly performance reports and we are available for personal reviews on request.

Regulatory Disclosure:

Just Plans, Etc A California Corporation ("Just Plans") is a US Securities & Exchange Commission registered investment advisory firm. The Advisor does not render, nor offer to render, personalized investment or financial planning advice through this web site. The site is intended to be used for the dissemination of general information about the advisor's services, to provide links to other individuals and firms whose services and products may be of interest to you, and to provide an efficient method by which a prospective client may contact Just Plans.

Personal advice can only be rendered after the following conditions have been met:

Delivery of Just Plans' disclosure statement (form ADV Part 2);

A non-binding initial appointment during which information will be exchanged in order for both parties to determine whether a relationship is feasible;

Execution by the client & Just Plans of an Investment Advisory and/ or Financial Planning agreement;

Payment by the client of the setup fee.

Just Plans may transact business only in states where it is registered, or where it is exempted or excluded from registration. Just Plans must also be registered, exempted or excluded from registration in any state in which it responds to persons in that state to effect or attempt to effect securities transactions, or to render personalized investment advice for compensation.

Additional Disclaimers:

The information available via this web site, whether stock quotes, charts, articles, or any other statement or statements regarding market or other financial information, is based on data gathered from what the Advisor believes are reliable sources. It is not guaranteed as to accuracy, does not purport to be complete and is not intended for use as the primary basis for investment decisions. It should not be construed as advice meeting the particular investment needs of any investor. The identification of specific investments and model portfolios is made on the assumption that an investor would participate in that portfolio on a long-term basis (3-5 years) and only after consulting with their investment advisor to determine objectives and their tolerance for market volatility. With respect to any specific investment, there can be no assurance that it will perform in the manner suggested.

If model portfolios are illustrated, results assume the reinvestment of dividends and capital gains, and are gross of any investment advisory fees. The results do not represent actual trading for the following reasons:

Timing of trades will vary by client

Trading costs vary by investment type

Client objectives vary (monthly income versus grow the assets)

Accounts are opened, and have additions/withdrawals made at different times

Model results don't reflect the impact that client personal, economic and market factors would have had on the advisor's decision-making had the advisor been managing the account
The actual performance for the advisor's discretionary clients is different from the results for the model portfolio due to the timing of trades by the advisor and the market conditions.
All references made to an investment or model portfolio's performance are based on historical data and one should not assume that this performance will continue in the future.

It is quite possible persons associated with Just Plans hold positions in securities recommended to clients. In no case are the positions large enough to influence the price of a security. In all instances where purchases are made at the same time, client orders are filled before those of any associated persons.

Just Plans does not warrant (expressed or implied) the accuracy, completeness, or results obtained from any information posted on this or any "linked" web-site.