J Beaver Investment Advisors Inc

J Beaver Investment Advisors, Inc. serves individual investors—primarily “main street” clients but also some high-net-worth individuals—along with foundations, trusts and corporate clients. The firm provides fee-for-service financial planning and investment advice covering asset allocation, investment selection, retirement and college planning, and employee benefits and qualified plan subaccount analysis, and reports $73 million in assets under management across discretionary and non-discretionary accounts.

Investment management is delivered through active model portfolios that can be managed on a discretionary or non-discretionary basis, with trades executed at qualified custodians and account reviews performed at least quarterly. The adviser limits discretionary authority to purchases and sales of securities and uses a custodial platform that operates on a fee basis rather than paying advisory commissions.

The firm is notable for an unusually high client load for a solo practice—more than 200 clients for a single advisory professional—and for serving pension and profit-sharing plan clients and providing pension consulting, which is uncommon for independent firms of this size. It also offers a mix of engagement types (hourly and fixed-fee planning alongside ongoing “pay-as-you-go” management) and maintains an operational separation between fee-based advisory services and insurance-related activities undertaken by some registered representatives.