JMC Wealth

JMC Wealth provides project‑based financial planning to individuals, business owners, and other entities, and does not maintain ongoing discretionary management or custody of client assets. Its planning covers a broad set of topics — retirement, estate and tax planning, insurance, college funding, cash flow, and business succession — and typically proceeds from a fact‑finding interview to a tailored written plan and periodic reviews.

Advisory work is delivered as fixed, plan‑oriented engagements rather than continuous portfolio management, and the firm does not exercise investment discretion over client accounts. For clients who seek implementation, the firm refers to third‑party managers and platform programs that offer model portfolios and discretionary management and may rely on outside research and model allocations when advising on asset allocation and investment selection; it may also recommend alternative investments such as business development companies, REITs, and limited partnerships.

What is distinctive about the firm is that it does not use percentage‑of‑assets‑under‑management fees, an uncommon billing approach for firms in this category, instead relying on fixed, plan‑based fees. The firm’s advisers also operate in affiliated capacities with third‑party broker‑dealer and advisory platforms, which can create referral or sales‑based compensation (including 12b‑1 or marketing reimbursements) when clients implement recommendations through those channels; the firm discloses this potential conflict and leaves implementation choice to the client.