Phillip James Financial Co.
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$222,065,777
Clients
114
53% high-net worth
Advisors
1
of 3 employees
Firm type
Supported
1-3 advisors or $200M+ in AUM
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
114
Very HighAverage account size
$1,947,945
About
Phillip James Financial serves individuals and families, with a stated focus on clients who are retired or roughly ten to fifteen years from retirement. The firm offers integrated services including asset management, comprehensive financial planning, retirement planning, tax planning and tax preparation, and it also manages held‑away retirement accounts and 529 plans.
The firm's investment approach is long‑term and academically grounded, using Modern Portfolio Theory to construct globally diversified, tax‑efficient portfolios built primarily with low‑cost ETFs that are monitored and rebalanced to maintain target allocations. Financial planning is treated as a living document integrated with investment management; the firm conducts ongoing reviews (at least annually) and provides clients unrestricted access to the advisory team.
A distinctive feature of the practice is the combination of accounting and investment expertise: it was founded by professionals with both accounting and CFA credentials and operates an in‑house tax preparation and tax‑strategy service (PJFTax) that is integrated into client planning. The firm manages roughly $197 million of mostly discretionary assets with two advisors, typically requires clients’ investable accounts to be placed under management, and operates on a fee‑only, fiduciary model.
Client services
Financial planning
Portfolio management
Expertise
Retirement income strategy
General tax planning
Social Security optimization
Medicare planning
Demographic focus
Approaching retirement
Fee options
Initial financial planning fee of $2,500 to $5,000 depending on complexity; waived if client becomes ongoing client
$0 - $500,000: 1.50% $500,001 - $5,000,000: 1.00% $5,000,001+: 0.50%
Account minimum: $750,000 (may be waived at firm's discretion) Minimum fee: $12,500 annual minimum fee (may be waived at firm's discretion) Fee-only: Fee-only financial advisory services; no commissions
Main office location
Phillip James Financial Co.
3675 Plymouth Boulevard, Suite 110
Plymouth MN 55446, United States
Number of offices
1
Most active in
Phillip James Financial Co. has reported serving >5 clients in these states in the last 12 months.
Minnesota
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:
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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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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.
Quick links
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Website
763-432-0852
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