Investments

Investments as well as life insurance can play a key role in your financial security plan. No matter where you are in life, we can provide guidance, tools, and services to help you invest or prepare for retirement on your terms.

For individuals, a mix of individual investments and qualified retirement plan investments including those held in Traditional IRAs, Roth IRAs, Rollover IRAs, and Inherited IRAs can help achieve short- and long-term goals. 

If you own a small business or are self-employed, we have retirement savings solutions for you and your employees. We offer a wide range of ‘qualified’ retirement plans designed to meet your specific needs including SEP IRA, SIMPLE IRA, Self-Employed 401(k), and 401(k) for Small Businesses – as well as ‘non-qualified’ plans including tax-deferred fixed and indexed annuities. All of these retirement plans can help you save money for retirement while potentially providing tax advantages. 

For business owners, group retirement and savings plans can play a key role in attracting and retaining quality employees. Just like you, your dedicated employees are working towards a safe, secure future. Either provided independently or paired with group benefits, a group savings plan is a convenient, flexible and affordable way to help your employees reach their long-term financial goals.

As a North Carolina registered investment advisor, JGM Wealth Management, LLC (the “Company”) offers certain investment advisory services including (i) fee-only financial planning and (ii) investment portfolio management services to its clients.  

JGM Wealth Management provides customized investment advisory services primarily to individuals and families, high net worth individuals, trusts, estates, and small-business clients including, where applicable, the respective retirement plans of each.  When engaged to do so, the Company will review, construct (or reconstruct), implement, and manage the investment and reinvestment of a client’s assets using a diversified offering of investment products including, but not limited to, domestic and international stocks, bonds, mutual funds, exchange traded funds (ETFs), real estate investment trusts (REITs), tax-deferred fixed and indexed annuities, federally insured certificates of deposit, and money market instruments.

JGM Wealth Management’s products and services are tailored to meet the unique needs and goals of each investment advisory client. The Company will work with each client to establish appropriate investment objectives and goals. Clients can request reasonable restrictions on the Company’s management of their account.

In addition to the Company’s registration as a North Carolina registered investment advisor, JGM Wealth Management may register, or meet certain exemptions to registration, in other states in which the Company conducts business. 

Our Services

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Fee-Only Financial Planning Services

Clients may engage JGM Wealth Management to provide impartial recommendations on a wide variety of issues. While each client and situation is inherently unique, the general process involves defining the client’s investment needs, goals, risk-tolerance, analyzing the client’s existing financial situation, and then recommending appropriate courses of action. In most cases, the client will receive one or more financial planning reports (e.g., a set of personal financial statements, a comprehensive or abbreviated financial plan, an asset allocation plan, an education funding plan, an insurance analysis, an estate analysis, etc.), a written summary of recommendations, and written supporting analyses and projections, as appropriate.

Although needs will vary with each client, examples of Fee-Only Financial Planning Services requested by clients may include, but not be limited to: analysis of one or more existing personal investment or retirement plan portfolios, asset allocation analysis, cash management, evaluating retirement plan options, education planning and funding, risk management, insurance review, calculation of required minimum distribution(s) (RMDs) from retirement account(s), estate planning review (with client’s legal and/or tax advisor), estate or charitable gift planning (with client’s legal and/or tax advisor), tax review (with client’s tax and/or legal advisor), and business continuity or succession planning (with client’s legal and/or tax advisor). 

Clients seeking Fee-Only Financial Planning Services on a standalone basis will be charged hourly for such services, while Investment Management clients are typically not charged a separate fee for financial planning services. 

Investment Management Services

For clients who prefer to have professional management of their investment portfolio(s), JGM Wealth Management offers ongoing Investment Management Services in a fiduciary capacity. The Company will construct (or reconstruct) and implement a customized investment plan, provide ongoing monitoring, and conduct regular reviews with the client. Clients enjoy access to an outstanding selection of investment products offered by leading discount brokers while receiving personalized, unbiased advice. Throughout the process, clients maintain complete control over their assets and are always free to accept or reject the recommendations made by JGM Wealth Management.

JGM Wealth Management tailors its investment advisory services to the needs of each client by collecting detailed information prior to making recommendations. This includes both financial data, such as personal and retirement plan assets, liabilities, cash flows, tax situation, insurance policies, and estate-planning documents, and non-financial information such as age, health, risk-tolerance, investment needs and goals, projected time horizon, and other various suitability factors. Where appropriate, the Company may also collaborate with and/or incorporate estimates prepared by a client’s other advisors. Once recommendations are made, all implementation decisions are made by the client. Clients are free to limit the scope of any engagement or to impose restrictions on investing in certain securities or types of securities.

Working together, we can assist you with evaluating your investment options in order to build a customized portfolio that takes into consideration your age, investment needs and goals, projected time horizon, and other suitability factors. Contact us today to find out more.

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