At JM Brown Financial Partners, we believe financial planning should simplify your life—not complicate it. As an independent Registered Investment Advisor (RIA), we provide personalized investment management and comprehensive financial planning tailored to your goals. Whether you’re preparing for retirement, managing significant assets, or planning your legacy, our mission is to help you make informed financial decisions with confidence. As fiduciaries, we’re legally obligated to put your interests first, and every recommendation we make is centered around your financial goals—not sales incentives.
We provide far more than investment management. Our services are designed to bring every aspect of your financial life together under one coordinated plan. Depending on your needs, we can help with retirement planning, investment management, tax-aware planning, Roth conversion analysis, estate planning coordination, insurance reviews, cash flow planning, education planning, and ongoing financial guidance. Our goal is to help you make smarter financial decisions throughout every stage of life.
Our primary focus is helping individuals and families who are retired or within approximately 10 years of retirement. Whether you’re preparing to transition into retirement or are already there, we help you navigate the financial decisions that come with “landing the plane” after decades of building wealth.
Many of our clients are professionals, executives, business owners, and retirees who value long-term relationships and personalized financial advice. They are looking for a trusted advisor to help preserve, grow, and efficiently manage their assets while creating a reliable retirement income strategy.
Every relationship begins with a conversation to determine whether we’re the right fit for one another.
Every relationship begins by getting to know you—not just your investments. We take time to understand your goals, family, financial picture, and priorities before making recommendations. From there, we develop a personalized strategy, implement your investment plan, and continue providing ongoing advice through regular reviews and proactive communication. As your life changes, your financial plan evolves with it.
Your investment accounts are typically held with Charles Schwab, one of the nation’s largest independent custodians. Your accounts remain in your name, and you maintain ownership of your assets at all times. Our role is to provide advice and, if you’ve authorized us to do so, professionally manage your investments according to the strategy we’ve developed together.
There is no one-size-fits-all portfolio at JM Brown Financial Partners. We build portfolios based on each client’s individual goals and objectives, taking into consideration factors such as time horizon, income needs, tax situation, and comfort with risk. We believe successful investing requires discipline, diversification, thoughtful risk management, and the flexibility to adapt as markets evolve.
Yes. Unlike firms that simply build a portfolio and leave it alone, we actively monitor client portfolios and evaluate changing market conditions on an ongoing basis. When appropriate, we may make tactical adjustments designed to help manage risk or respond to new opportunities, always within the context of your long-term financial strategy.
While no investment strategy can eliminate risk, we believe preparation is essential. Our investment process is designed to monitor changing market conditions and make thoughtful adjustments when appropriate. During periods of volatility, one of our most important responsibilities is helping clients stay disciplined, avoid emotional decisions, and remain focused on their long-term financial goals.
Market declines are a normal part of investing. Rather than reacting to headlines or short-term volatility, we rely on a disciplined investment process and a comprehensive financial plan. During uncertain markets, we communicate with clients, review portfolios, and make adjustments when appropriate. Our objective is to help you navigate volatility with confidence rather than emotion.
Absolutely. One of the most common questions we answer is, “Can I retire?” We evaluate your investments, expected retirement income, spending needs, taxes, inflation, healthcare costs, Social Security, and long-term goals to determine whether you’re financially prepared for retirement. If adjustments are needed, we’ll help develop a plan designed to improve your long-term outlook.
Yes. While we don’t prepare tax returns, we believe proactive tax planning is an important part of comprehensive financial planning. Depending on your situation, we may recommend strategies such as Roth conversion analysis, tax-efficient withdrawal planning, tax-loss harvesting, or capital gain management. We also work closely with your CPA whenever appropriate to help coordinate your overall financial strategy.
Absolutely. We believe the best financial outcomes often come from collaboration. With your permission, we’re happy to coordinate with your CPA, estate planning attorney, and other trusted professionals to help ensure every aspect of your financial plan is working together toward your goals.
For most clients, we charge an advisory fee based on the assets we manage on your behalf. Your fee is discussed upfront, clearly outlined in your advisory agreement, and fully transparent before any services begin. Depending on the scope of work, certain financial planning engagements may involve separate planning fees.
Yes, when providing investment advisory services through JM Brown Financial Partners, we act as fiduciaries and are required to act in our clients’ best interests. Our recommendations are based on your goals, circumstances, and financial needs.
Certain financial professionals associated with the firm may also offer brokerage services through a broker-dealer. When acting in a brokerage capacity, a different regulatory standard applies, including the requirement to act in the client’s best interest. We believe in being transparent about the capacity in which we are acting, how we are compensated, and any potential conflicts associated with the services provided.
Choosing a financial advisor is about more than investment performance—it’s about finding a trusted partner for life’s biggest financial decisions. At JM Brown Financial Partners, we combine personalized financial planning, active investment management, and long-term relationships to help clients make confident, informed decisions. Our goal isn’t simply to manage your investments; it’s to help you build, preserve, and enjoy your wealth with clarity and confidence.
The first step is simply a conversation. We’ll learn about your goals, answer your questions, and determine whether we’re a good fit for one another. If we believe we can add value, we’ll outline a personalized path forward. If we’re not the right fit, we’re happy to point you toward resources or professionals who may be better suited to your needs.
