Jane Financial is a registered investment advisor based in Oakland, California, founded by Jane Yoo in 2017. The firm specializes in comprehensive, ongoing financial planning combined with investment management services. Jane Financial works closely with clients to establish money goals and values, analyzing areas such as cash flow, debt management, college savings, employee benefits, estate planning, insurance, retirement planning, tax planning strategies, and tax consulting. For investment management, Jane Financial partners with independent third-party money managers to build portfolios using passive index funds, exchange-traded funds, and direct indexing strategies. Jane Financial also provides ongoing supervision and investment recommendations for accounts held away, such as 401(k) plans. The firm primarily follows a passive investment philosophy focused on low costs and tax efficiency. Jane Financial emphasizes a fiduciary commitment to act solely in the best interests of clients.
Fee Structure
Jane Financial charges an ongoing annual fee that covers both comprehensive financial planning and investment management services through a third-party money manager.
- The minimum annual fee is $20,000, paid monthly or quarterly in advance.
- If you choose to use the third-party money manager's customized index portfolios, which invest in individual stocks, there is an additional annual fee of 0.20% of your portfolio value.
Jane Financial requires a 12-month commitment, and fees can be negotiated based on the complexity of your financial situation.
