JD Financial Fitness LLC

The firm provides investment management and financial planning to individuals (including high‑net‑worth clients), qualified retirement plans, trusts, charitable organizations, corporations and small businesses. It delivers portfolio management and written investment policy statements, and advises on broader financial matters such as income and estate tax planning, college planning, and retirement‑plan design.

The firm follows an evidence‑based, buy‑and‑hold approach grounded in modern portfolio theory, implementing diversified asset‑class allocations mainly through mutual funds and ETFs and using model portfolios supplied by a third‑party sub‑advisor. Portfolio construction is guided by an IPS and planning analyses (including Monte Carlo simulations), with ongoing monitoring, periodic rebalancing, and discretionary retention of third‑party managers for fixed‑income mandates.

Distinctive features include the principal’s tax credentials as an Enrolled Agent and licensure as an independent insurance agent, which allows the firm to provide tax return preparation seasonally and to recommend and sell life and accident & health insurance products to clients (commissions and related conflicts are disclosed). The firm also provides pension consulting and retirement‑plan establishment services and relies on a formal sub‑advisory/back‑office relationship and regular use of Dimensional Fund Advisors funds, which shape its operational and investment model relative to many peers.