John-Luke Financial provides investment management and financial planning services, focusing heavily on business and retirement planning to help clients build and preserve wealth. The registered investment advisor creates custom-tailored investment portfolios using a bucket system strategy based on each client's individual needs, goals, and risk tolerance. John-Luke Financial manages portfolios on both a discretionary and non-discretionary basis, meaning they can either make trades without asking first or require your approval for each transaction. In addition to asset management, the firm offers financial planning covering taxes, insurance, debt, credit, and education funding. John-Luke Financial works with individuals, high net worth individuals, charitable organizations, and small businesses, requiring Charles Schwab as the independent custodian for all client accounts.
Fee Structure
Portfolio-Based Fees (Tiered)
| Portfolio Value | Annual Fee |
|---|---|
| Up to $500K | 1.50% |
| $500K - $1.0M | 1.25% |
| $1.0M - $5.0M | 1.00% |
| $5.0M - $10.0M | 0.75% |
| $10M+ | 0.75% |
Fees are negotiable for accounts over $10,000,000.