The JM Financial Planning Group, Ltd. was founded in 2007 and is led by James Eugene Malinowski, a Certified Financial Planner. The firm offers personalized financial planning and portfolio management services to individuals and high-net-worth clients. Services include retirement planning, tax strategies, cash flow management, insurance reviews, investment management, education funding, and estate planning. Clients can choose between discretionary portfolio management, where the firm handles trades directly, or non-discretionary management, where clients approve each trade. The firm also provides ongoing advice for retirement accounts held away from the firm. In addition to advisory services, the firm's president operates as an insurance agent and a registered representative through a brokerage firm, allowing him to offer insurance and securities products for commission, which introduces a potential conflict of interest that is managed by putting client interests first and not requiring product purchases.
Fee Structure
Portfolio-Based Fees (Tiered)
| Portfolio Value | Annual Fee |
|---|---|
| Up to $2.0M | 2.50% |
| $2M+ | 2.00% |
Fees are negotiable based on portfolio complexity, number of positions, and required trading. Household accounts may be combined.