Palmer Jones & Associates, Inc.

Palmer Jones & Associates provides financial planning and discretionary investment management to individuals, pension and profit-sharing plans, trusts, estates, and small businesses. The firm documents client objectives in an Investment Policy Statement and offers ongoing portfolio monitoring, periodic reviews, and advice on non‑securities matters such as tax and estate planning.

Investment decisions are typically implemented through discretionary authority and executed using no‑load or low‑load mutual funds, exchange‑traded funds, equities, and bonds held at discount brokers. Security selection combines moving‑average inputs and valuation analysis with a long‑term per‑share growth emphasis, and portfolios are adjusted relative to volatility and client risk tolerance.

The firm operates on a fee‑only basis and does not sell commissioned insurance or other financial products, does not accept soft‑dollar benefits, and does not vote client proxies (clients retain proxy voting responsibility). It serves a small client base with most assets managed on a discretionary basis, maintains an informal business‑continuity arrangement with another advisory firm, and makes available limited, hourly planning engagements for clients who need a narrower scope of advice.