CJS Financial Advisers / CJSF Advisers

The firm primarily acts as a solicitor to other investment advisers, referring clients to several named firms and receiving referral compensation, while also offering direct advisory and financial planning services for accounts that elect to contract with the firm. Excluding its solicitor arrangements, the brochure discloses that the firm currently reports no directly managed clients or assets.

CJSF provides both discretionary and non‑discretionary investment advice and financial planning, employs a mix of passive and active strategies across ETFs, mutual funds, equities, options and fixed income, and may use margin and option strategies where appropriate. For direct accounts the firm generally charges percentage‑of‑assets fees (a common approach for its peer group) but also offers hourly planning engagements and uses a broker‑dealer trading/custodial platform for execution and custody.

The firm’s profile includes several atypical features for an investment manager: the principal maintains licenses and business activity as an insurance agent and a real‑estate agent and is active in a private equity firm, which the brochure says occupies most of the principal’s business hours and can affect availability. The adviser’s ongoing business model combines solicitor relationships with a selection of other advisers, the use of hourly fee engagements, and a single‑IAR supervisory structure that relies on outside compliance consultants rather than routine independent internal audits.