James Sprecher
James Sprecher is a CFP-designated registered investment advisor at J. W. Cole Advisors, INC., based in Palmyra, PA, with 33 years of industry experience. James operates on a fee-only basis, meaning they do not earn commissions from product sales. Their practice areas include Education Planning, Estate Planning, Investment Management, Retirement Planning, and 1 more. Their firm serves 29,614 clients with $7.2B in assets under management.
Compensation
Firm Size
Number of Clients
Average Client Portfolio
Assets Under Management
Fee Structure
J.W. Cole Advisors' investment management fees are based on a tiered schedule, meaning the percentage you pay decreases as your portfolio grows. The exact fee can be negotiated and may be a flat rate instead of tiered. The maximum fee is generally 3.00% and the minimum is 0.25%. There is also a program fee charged, which covers services provided by JWCA and the custodian of your account. You'll pay these fees quarterly, regardless of how many trades are made. Some advisors may or may not pay transaction costs.
Location
200 East Main St., Palmyra, PA, 17078
Get directionsHistory
Regulatory History (4)
Customer Dispute
May 2004Customer Dispute
August 2003Employment Separation After Allegations
December 2002Civil
May 2002Other Business ActivitiesSells Insurance
James is the President/Owner of Your Financial Community of PA, Inc., focusing on insurance sales, dedicating nearly full-time hours. He is also a partner at Infinity Financial Group, educating clients on financial planning and life insurance, spending about a quarter of his time. Additionally, James is a partner at YFC Real Estate Ventures, managing properties.
Employment History
Current Registrations
J. W. Cole Advisors, INC.
J.W. Cole Financial, INC.Broker
Previous Registrations
Jonathan Roberts Financial Group, INC.Broker
Hornor, Townsend & Kent, INC.
Hornor, Townsend & Kent, INC.Broker
Amev Investors, INC.Broker
State Registrations8 states
You can work with an advisor not registered in your state. Most advisors can legally serve a small number of clients across state lines without registering.