What We Do

C-J Advisory is a full-service firm that provides:

Investments

Investment Strategies: Asset Allocation (Buy/hold/rebalance) using no-load, no-commission mutual funds and exchange-traded funds (ETFs), managed according to Modern Portfolio Theory.
Tactical Management: Your investment money is still put into many different mutual funds (which represent different sectors of the U.S. and foreign markets), but the strategy is focused on those areas of the market that are currently tending higher/increasing in value.
Mutual Funds: Analyze, research, and offer access to any of the 25,000 funds available.
Stocks: Research/analysis; margin accounts; trade execution on all major exchanges and OTC.
Bonds: Corporate, municipal, or government; and U.S. Savings Bond valuation service.
Stock Option Plans: Incentive (ISOs) and non-statutory(NSOs) and Restricted Stock Units (RSUs): we advise and facilitate tax and investment strategy prior to sale.
Savings Accounts: Money market funds; certificates of deposit; Treasury Bills.
Annuities: Variable, index, and fixed; guaranteed and flexible income stream.
Direct Participation Programs: Real estate; equipment leasing; restaurants; congregate-care facilities; alternative fuels; residential/commercial mortgages; socially responsible investment projects.

Traditional Individual Retirement Accounts: Individual, spousal, and rollover accounts.
Roth Individual Retirement Accounts: Individual, spousal, and rollover accounts.
Traditional 401(k) Plans: Employer-sponsored qualified plan; pre-tax contributions, and choice of investments.
Roth 401(k) Plans: Employer-sponsored qualified plan; after-tax contributions, and choice of investments.
403(b) Plans: A salary deferral program for employees of tax-exempt organizations.
Profit Sharing Plans: Voluntary tax-deductible employer contributions on behalf of employees.
Self-Employed Pensions Plans: A simple plan, with low administrative costs; voluntary contributions.
Salary Reduction Pension Plans: Similar to a 401(k) plan, appropriate for smaller companies.

Retirement Planning: Establishing lifestyle goals and creating a retirement income stream to fund them.
Tax Planning: Tax loss harvesting for tax reduction strategies; tax projections for Roth conversion possibilities
Estate Planning: Facilitate the implementation of Wills and Trusts, DPOAs, Advanced Health Care Directives, and transferring assets to heirs.
Cash Flow Management: Establishing a cash reserve and funding strategies for spending goals. Setting up automatic, monthly savings/investment plans.
College Education Funding: Establishing tax-advantaged investment vehicles (ex: 529 Plans). Calculation of funding need amounts per student.
Business Consulting: Evaluation of existing retirement plans; coordinate pension plan installation; financial planning for employees as a company benefit.
Education Workshops: Teaching financial planning principles and strategies; explaining employee benefits. Customized programs to groups of all sizes.
Referral Source To:, Attorneys, Tax return preparers (EAs, CPAs), mortgage brokerage, real estate property appraisers, real estate agents, bill-paying services, cash flow management consultants, professional organizers, etc.

Life Insurance: Preparation of Needs Analysis. Premium cost quotes for: Term, Universal Life, Whole Life, Variable Universal Life
Long-Term Health Care (coverage for costs of convalescent or home care): Preparation of Needs Analysis for preservation of assets for family or estate.
Disability Income: Replacement of monthly income in the event of disability.
Personal/Business Liability: Protection against lawsuits or insurance claims against you.
Business Continuation: Funding buy/sell agreements and stock redemptions.

Mortgage Brokerage: From prequalification to loan funding.
Reverse Annuity Mortgages: Using home equity as a source of retirement income.
Real Estate Appraisals: Needed to determine stepped–up tax basis upon date of death of family member