FAQs

 Q:

 How do I open an account or add to my existing account?

 A:

 Send an email to: clientservice@cjadvisory.com

 Q:

 How do I make a withdrawal?

 A:

 Contact a CSA (Client Service Administrator) at C-J Advisory with your withdrawal request. If there is not enough cash in the money market account, or if your cash is tied up in stocks/mutual funds/bonds, then the necessary assets will need to be sold to cover the amount requested. Selling securities requires a settlement period of up to 3 business days, which means the funds will not be available until the settlement date. Please plan your withdrawal, accordingly, to allow enough time to meet your needs.

Depending on where the account is held, and what kind of account it is, your request may require the signature(s) of the account owner(s). Please email, or call us, for the details.

 Q:

 Why do I have to fill out the Cash Flow Statement?

 A:

 It is critically important for both of us to know where your money goes after it comes into the house. It isn't about budgeting for the purpose of sacrificing now for a future lifestyle; it's about finding out IF there is any cash left over after the living expenses are handled, and, if so, how much.

Is there enough to start funding an account for college expenses? Enough to fully fund ALL retirement accounts you are eligible for (if becoming financially independent at an early age is a goal)? Enough to pay for a proper estate plan? Enough to set up and fund charitable activities? Enough to buy a second home in Spain?

Enough to buy your first home here? This Cash Flow Form is often the most difficult part for clients to do (because of all the emotional baggage tied to money and how we spend it). It is also the most liberating revelation when the project is done. Knowledge is Power.

 Q:

 How are you different from a "regular" Financial Planner?

 A:

 We address ALL components of the financial planning process, not just investment strategies. I am an educator for those who want to learn about personal finance and pensions and taxes and investing etc. As individuals in our world, we are bombarded with a constant stream of data, literally 24 hours per day.

Sooner or later, we realize information is NOT knowledge, so we need someone whom we trust, to translate or explain or advise or implement.

 Q:

 What does "Holistic, Integrated Financial Planning" mean?

 A:

 Another name for this is "Life Planning." In addition to integrating all the financial components as mentioned above, we assist clients in discovering what they really want from their lives, or for their future, or what their right and perfect (next) career might be, or what activity might bring the most emotional satisfaction, or what legacy they want to leave behind (in addition to money), or what values they hold; what learning experiences they've acquired that they want to share now and/or pass on to future generations.

Some other monikers that clients have used to describe what I do are: Life Coach, Guide.