JWL & Associates, Inc.

JWL & Associates provides discretionary and non-discretionary portfolio management and personalized financial planning to individuals, pension and profit‑sharing plans, trusts, estates, charitable organizations, small businesses, and other registered investment advisers; the firm also offers hourly limited‑scope planning engagements. The brochure notes the firm may sell insurance products, including long‑term care insurance, and may receive commissions from those sales.

The firm describes a strategic asset‑allocation, core‑and‑satellite approach that uses passively managed index and exchange‑traded funds as core holdings supplemented by actively managed funds and selected individual securities, with investment policy statements documenting client objectives and restrictions. JWL reports using fundamental, technical, and cyclical analysis and may employ options strategies (including covered and, less frequently, uncovered or spread strategies) when appropriate.

JWL operates with a very small client roster (approximately five clients) and roughly $2.2 million in assets under management, which the firm indicates results in frequent, personalized account reviews. The brochure also discloses that the firm’s principal is a CERTIFIED FINANCIAL PLANNER™ professional with prior institutional trading and market‑making experience, and that advisory revenues come from client fees while insurance commissions may also be received, a potential source of conflicts of interest to consider.