Working Together

The BRJ Approach

Our Client-First Process

The BRJ Approach is the foundation of our client relationships.

We’ve built our process around your unique needs. It emphasizes clear accountability from us, and supports you in building and maintaining strong financial habits for lasting success. Here’s how we typically work together:

  • Step One - Introduction

    This initial conversation is about getting to know each other. We'll discuss your current financial situation, your aspirations, concerns, and what you're looking for in a financial advisor. Equally important, it's a chance for you to learn about our philosophy, services, and how we might work together. This is a no-obligation meeting focused on determining if we're a good mutual fit.

  • Step Two - Data Gathering

    To build an effective financial plan, we need a comprehensive understanding of your financial picture and clearly defined goals. This step involves collecting detailed information about your assets, liabilities, income, expenses, insurance policies, estate documents, and more. We'll also work together to refine and prioritize your short-term and long-term objectives.

  • Step Three - Analysis & Plan Development

    This is where our expertise comes into play. We meticulously analyze the information you've provided, evaluate your current financial standing relative to your goals, identify potential opportunities, and pinpoint areas needing attention. We then develop tailored strategies and recommendations addressing those areas.

  • Step Four - Plan Delivery

    We'll schedule a dedicated meeting to present your personalized financial plan. We'll walk you through our analysis, explain our recommendations in plain English, and show you how the proposed strategies align with your stated goals. This is a collaborative session – we encourage questions and discussion to ensure you feel confident and understand the path forward.

  • Step Five - Implementation & Action

    A plan is only effective when put into action. In this phase, we work together to implement the agreed-upon recommendations.

  • Step Six - Ongoing Monitoring & Partnership

    Financial planning is not a one-time event; it's an ongoing journey. Life changes, markets fluctuate, and goals evolve. We provide continuous monitoring of your plan and investments, proactively adapting your strategy as needed.

Ready to take the first step towards financial clarity and confidence?

Important Considerations

Customization: While this outlines our typical process, we tailor our approach based on your specific needs and complexity.

Communication: We believe in proactive and transparent communication throughout our entire relationship.

Technology: We utilize secure technology to enhance collaboration and protect your information.

Fees: We are transparent about our compensation structure, which will be clearly outlined during our initial discussions and in our advisory agreement. Our firm is fee-only, which means we are not paid by commissions, sales, or transaction charges. We never receive compensation for investment product recommendations or professional referrals.

  • Our investment advisory fees are based on a percentage of assets under management. These fees are broken down and paid quarterly. Clients with $250,000 or more in managed assets receive planning services at no additional charge.

Annual Fee - Account Value

1.25% - Up to $250,000

1.00% - $250,000 - $1,000,000

0.75% - $1,000,000 - $5,000,000

0.50% - $5,000,000 and above

  • Clients with less than $250,000 in managed assets may also be charged a flat fee for planning services. This starts at $2,000 per year, based on complexity. There is no minimum asset requirement for our planning services. This fee is broken down and paid quarterly via bank account (ACH).

Charles Schwab & Co., Inc.

BRJ Wealth Management utilizes Charles Schwab for enhanced client service. At BRJ, we're committed to providing our clients with the best possible service and a wide range of options to reach their retirement goals. That's why we've chosen Charles Schwab, a leader in the financial industry, as our primary custodian.

  • Full range of investment products and trading services.

  • Technology and service support so investors can access all your accounts online, easily view positions, balances, and account history in one convenient location.

  • Wide array of investment account types including retirement accounts, personal trust accounts, charitable gifting, and education accounts.

Charles Schwab has been a leader in supporting independent financial advisors for over 35 years. With a team of over 1,900 specialists and service professionals, Charles Schwab supports nearly 15,000 independent financial advisor firms. This extensive network provides advisors with the resources, technology, and dedicated support they need to deliver exceptional service to their clients.