J. L. Perkins Wealth Management, LLC

J. L. Perkins Wealth Management serves primarily individual clients, offering financial planning and consulting and arranging ongoing advisory services through referrals to third‑party money managers and managed‑account programs. The firm also operates as a licensed insurance agency and its representatives offer insurance products alongside advisory services.

The firm generally does not provide in‑house portfolio management for individual accounts; instead it acts as a “manage‑the‑manager,” conducting initial due diligence and ongoing oversight of external managers and model portfolios accessed through platforms such as FTJ Fund Choice and AE Wealth Management. Investment analysis described in the brochure emphasizes mutual funds and ETFs and uses a mix of fundamental and technical methods, with account and manager reviews performed at least annually.

What is distinctive about the firm compared with peers is its dual role as an investment adviser and a licensed insurance agency, a relationship the firm discloses as a potential conflict of interest and says it seeks to mitigate. It also relies primarily on third‑party managers rather than internal portfolio management and treats written financial plans as typically standalone engagements, with follow‑up services provided only if the client requests them.