J
JBP Financial LLC
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$20,000,000
Clients
53
19% high-net worth
Advisors
1
of 1 employees
Firm type
Independent
1 advisor
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
53
HighAverage account size
$377,358
About
JBP Financial LLC is a state-registered investment adviser that provides portfolio management and integrated financial planning to individual and high‑net‑worth clients. The firm serves a relatively small client base (roughly 53 clients) and delivers tailored investment plans and written financial plans as part of its advisory services rather than as a standalone planning product.
The firm combines fundamental, technical, cyclical and charting analysis with an asset allocation and rebalancing discipline to construct portfolios. As disclosed in its brochure, it reported managing client assets primarily on a non‑discretionary basis as of December 31, 2024 (no discretionary AUM and $18,000 in non‑discretionary AUM), so implementation choices frequently remain under client control.
JBP’s principal is licensed to sell life and health insurance and may receive commission compensation for insurance sales (the brochure indicates this activity represents about 5% of advisor time), a potential conflict the firm discloses. The firm also notes a recent structural change (conversion from a sole proprietorship to an LLC in 2025) and requires clients to use its recommended custodian while not accepting custody beyond limited fee‑withdrawal authority, which affects account administration.
Client services
Financial planning
Portfolio management
Expertise
College savings (529s, UTMA, etc.)
General estate planning guidance
Cash flow / budgeting
Retirement plans for business owners (SEP, solo 401k)
Life insurance needs analysis
Fee options
$0 - $1,000,000: 1.50% annually $1,000,000+: 1.25% annually
Additional compensation received from life and health insurance sales commissions; these do not offset advisory fees.
$9 monthly fee per SIMPLE or SEP IRA account for administration.
Fee-only: Investment management and financial planning fees included; no separate fee for financial planning.
Main office location
JBP Financial LLC
North Smithfield RI, United States
Number of offices
1
Most active in
JBP Financial LLC has reported serving >5 clients in these states in the last 12 months.
Rhode Island
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Is not active or affiliated with:
-
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
-
Bank
They're affiliated with a bank that may offer its own financial products and services.
-
Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
-
Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
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