TJW Fiduciary Plan Consultants, LLC
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$3,696,868
Clients
42
0% high-net worth
Advisors
1
of 1 employees
Firm type
Independent
1 advisor
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
42
HighAverage account size
$88,021
About
The firm provides financial planning and discretionary portfolio management to individual clients and also advises retirement plans, including 401(k), 403(b), pension and profit‑sharing plans. Offerings include individual asset management, participant‑level advisory services, plan‑level consulting and fiduciary services in both limited 3(21) and full discretionary 3(38) roles, and the firm sponsors a wrap‑fee program.
Its investment process emphasizes asset allocation and modern portfolio theory, with fund evaluation and ongoing monitoring to align portfolios with client goals and risk tolerance, and it commonly manages individual accounts on a discretionary basis. For plan sponsors the firm assists with vendor RFPs and monitoring, prepares periodic investment reports, runs participant education and enrollment meetings, and can assume responsibility for selecting and replacing plan investment options when engaged as an investment manager.
Distinctive features for a solo independent adviser include sponsoring a wrap fee program and actively serving institutional and pension clients—services that are statistically uncommon among similar firms. The firm’s principal also operates an insurance practice that generates more than 25% of revenue (a disclosed conflict of interest), the firm offers educational seminars at no charge, and the lead adviser holds the AIFA credential, indicating a focus on fiduciary standards.
Client services
Financial planning
Portfolio management
Pension consulting
Educational seminars or workshops
Expertise
General retirement planning
Retirement plans for business owners (SEP, solo 401k)
Fee options
Financial planning fixed fee ranging from $500 to $1,000
$0 - $20,000: 1.25% annually $20,001 - $500,000: 1.00% annually $500,001 - $750,000: 0.875% annually $750,001 - $1,000,000: 0.775% annually $1,000,001 - $1,500,000: 0.675% annually $1,500,001 - $2,000,000: 0.575% annually $2,000,001 - $2,500,000: 0.475% annually $2,500,001 - $5,000,000: 0.375% annually $5,000,001+: 0.30% annually
Insurance commissions from sales by Timothy Windos, an insurance agent affiliated with the firm
$135 per hour for financial planning
Fee-only: Financial planning hourly fee of $135; fixed fee for financial planning ranging from $500 to $1,000; fees may be waived if plan implemented with TJW
Main office location
TJW Fiduciary Plan Consultants, LLC
Little Silver NJ, United States
Number of offices
1
Most active in
TJW Fiduciary Plan Consultants, LLC has reported serving >5 clients in these states in the last 12 months.
New Jersey
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:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Is not active or affiliated with:
-
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
Quick links
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