Lemuel James Financial
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Total assets under management
$14,690,000
Total clients
186
0% high-net worth
Total advisors
1
of 1 employees
Firm size
Independent
1 advisor
Average clients per advisor
186
Average account size
$78,978
About
The firm provides fee-based investment advisory and financial planning services to individuals and a mix of institutional clients, including pension and profit‑sharing plans, trusts, and corporate entities. It operates as a single‑advisor practice and manages discretionary portfolios for roughly 186 clients with about $14.69 million in assets under management.
The advisor employs a tactical allocation approach aimed at reducing risk and seeking improved performance, using both fundamental and cyclical analysis to inform decisions. Portfolios may include exchange‑listed and OTC equities, fixed income, mutual funds, options (including covered calls), and cash positions used as potential hedges, with periodic rebalancing and security‑specific recommendations where appropriate.
Notably, the firm provides pension consulting and qualified retirement‑plan services — offering fiduciary compliance programs, investment policy statements, benchmarking, employee communication/education, and assistance with recordkeeper/trustee selection — and implements and monitors plan sponsor‑approved recommendations. The managing principal’s prior experience as a retirement‑plan specialist and licensure to sell insurance and real estate are disclosed as potential conflicts of interest when clients engage those non‑advisory services.
Client services
Financial planning
Portfolio management
Pension consulting
Expertise
Wealth management
Retirement plans for business owners (SEP, solo 401k)
Retirement income strategy
General tax planning
Fee options
1.50% annually
$150 per hour, negotiable
Account minimum: $100,000
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 not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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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.
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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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