R & J Financial Partners, LLC

R & J Financial Partners provides discretionary and non-discretionary investment management, financial planning, and retirement plan advisory services to individuals, trusts, qualified retirement plans, charitable organizations, corporations and small businesses. The firm works directly with clients to develop written investment policy statements and offers ongoing monitoring, periodic reviews, and implementation support for portfolio transitions and plan-level investment platforms.

The firm’s investment approach is grounded in Modern Portfolio Theory and a buy-and-hold posture that emphasizes broadly diversified, passively managed asset-class mutual funds—primarily funds sponsored by Dimensional Fund Advisors—and occasional use of ETFs or individual fixed income securities when appropriate. RJFP employs Monte Carlo and other risk-capacity analysis tools to derive asset allocations, prepares IPS documents, and may retain third-party managers (notably Focus Partners Advisor Solutions for fixed income and back-office services) to execute and monitor segments of client portfolios.

A distinctive feature of RJFP is its affiliation with the accounting firm Rutherford & Johnson, P.C.; the managing members of the advisory firm are also principals of that accounting practice and routinely coordinate services between accounting and advisory engagements while keeping fee and service arrangements separate. The firm operates with a small advisory team and client base, and both managing members hold CPA and PFS credentials, which the firm notes as part of its emphasis on integrating tax and financial planning considerations into its wealth management work.