WJ Financial Advisors, LLC
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Total assets under management
$203,354,827
This total excludes 2 entity clients. Entities are clients such as corporations, partnerships, or trusts.
Total clients
272
26% high-net worth
Total advisors
4
of 3 employees
Firm size
Team
4-10 advisors or $500M+ in AUM
Average clients per advisor
68
Average account size
$747,628
About
WJ Financial Advisors, LLC is a fee-only financial planning and investment management firm that manages approximately $203 million in discretionary assets for about 272 clients through a four-advisor team. The firm provides ongoing discretionary portfolio management, stand‑alone and ongoing financial planning, and limited‑scope ERISA 3(21) retirement plan advisory services for individuals, trusts, estates, nonprofits, and small businesses.
The firm emphasizes target asset allocation and the use of low‑cost passive index funds as central elements of portfolio construction, with discretionary rebalancing and tactical over/underweighting when warranted by market conditions. For certain clients, WJ Financial implements more complex techniques — including options writing, short sales, margin/borrowing, and other derivative instruments in separately managed accounts — and discloses the heightened risks associated with those strategies.
Compared with many peers, WJ Financial’s documented use of derivatives and borrowing inside separately managed accounts is a notable, selective capability rather than a universal practice across all client accounts. The firm operates strictly on a fee‑only basis (no commissions), participates in institutional custody arrangements, has no stated account minimums, and maintains credentialed staff including a CFA charterholder.
Client services
Financial planning
Portfolio management
Pension consulting
Expertise
Passive / index investing
Retirement income strategy
General retirement planning
Wealth management
Occupation focus
Founder/Business Owner
Retired
Fee options
Fixed fees range from $1,500 to $15,000 depending on the complexity of the engagement
Hourly fees range from $125 to $375 per hour
Fee-only: Combined Investment Management/Financial Planning Services fees up to 1.25% annually, negotiable; hourly fees $125 to $375 per hour; fixed fees $1,500 to $15,000 depending on complexity; ongoing fees charged quarterly based on client's circumstances
Main office location
WJ Financial Advisors, LLC
255 Route 80, Suite 201
Killingworth CT 06419, United States
Number of offices
1
Most active in
WJ Financial Advisors, LLC has reported serving >5 clients in these states in the last 12 months.
Connecticut · Florida · Maryland · Massachusetts · New Hampshire · New York · Pennsylvania
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.
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