What We Do

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

Investments

Asset Allocation: No-load mutual funds and/or exchange-traded funds (ETFs), managed according to Modern Portfolio Theory.
Mutual Funds: Analyze, research, and offer access to any of the 25,000 funds available.
Stocks: Research/analysis; margin accounts; trade on all major exchanges and OTC.
Bonds: Corporate, municipal, or government; U.S. Savings Bond valuation service.
Stock Option Plans: Incentive and non-statutory; 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 IRAs and Roth conversions; self-directed trustee accounts available.
Roth Individual Retirement Accounts: Individual, spousal, and rollover accounts; Roth IRAs and Roth conversions; self-directed trustee accounts available.
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; creating a retirement income stream.
Tax Planning: Estimates of cost basis/tax projection; tax reduction strategies.
Estate Planning:�Facilitate the implementation of Wills and Trusts; transferring assets to heirs.
Cash Flow Management: Establishing a cash reserve; funding strategies for spending goals; setting up automatic, monthly savings/investment plans.
College Education Funding: Variety of investment vehicles; estimate of funding need amounts.
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: Connect you with attorneys, CPAs, third party administrators, real estate agents, bill-paying services, cash flow management consultants, etc.

Life Insurance: Term, Universal Life, Whole Life, Variable Universal Life; detailed Needs Analysis.
Long-Term Health Care: Coverage for costs of convalescent or home care; preservation of assets and 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; hundreds of programs available.
Reverse Annuity Mortgages: Using home equity as a source of retirement income.