J.Pappas Investments

J. Pappas Investments provides investment management and financial planning to individuals, small businesses, trusts and estates, offering portfolio management across equities, mutual funds and ETFs, U.S. Treasuries, corporate and municipal bonds, and certificates of deposit. The firm works with a relatively small client base and tailors advice to each client’s stated objectives, risk tolerance and cash or income needs.

The firm’s investment process combines fundamental, technical and economic analysis to construct diversified portfolios that aim to balance expected return and risk, with periodic reviews and annual rebalancing. Accounts are generally managed on a discretionary basis and trades are executed through a third‑party custodian, with risk controls applied at the position level.

Noteworthy features include that the firm’s principal is a licensed insurance agent and the adviser is affiliated with an insurance agency and related insurance company; insurance products are offered through the affiliated agency and compensation for those sales is paid to that affiliated entity, with the principal disclosing approximately 30 hours per month devoted to that activity. The firm also discloses additional affiliated businesses (merchant services/energy brokerage and a real estate entity) and, separately, may enter into performance‑based fee arrangements for eligible clients, all of which are disclosed as potential conflicts of interest.