ARE YOU READY FOR RETIREMENT?
What rate of return do you have to earn on your savings and investment dollars to be able to retire at your current standard of living and have your money last through your life expectancy?
How much do you need to save on a monthly or annual basis to be able to retire at your current standard of living and have your money last until life expectancy?
Doing what you are currently doing, how long will you need to work to be able to retire and live your current lifestyle until life expectancy?
If you don't do anything more than what you are doing today, by how much will you need to reduce your standard of living at retirement for your money to last to your life expectancy?
The Retirement Savings Dilemma
What We Do.
Service with a Personal Touch.
"Our most successful clients choose our comprehensive planning service."
We will review your current financial situation, including retirement goals, insurance programs, investment portfolios, estate planning issues, and develop a comprehensive plan based on your needs and wants. You will receive a written financial plan with recommendations and a financial consultation. Our plans are completely portable, and can be implemented either by you or any advisor of your choosing.
Depending on the complexity, our financial plans range in cost from $500 to $3,500
A consultation can explain or help clarify a specific financial issue, a financial product, or a financial process. Many times our consultations are used to obtain a second opinion on a suggested course of action. Sometimes acting on free investment or tax advice without knowing all the facts can be dangerous to your financial health.
With JBA, you can depend on factual financial information and expert insights on issues applicable to your unique financial situation. All consultations are delivered under a fiduciary client relationship.
Our hourly rate for an Individual Financial Consultation is $150.
Comprehensive Financial Planning.
Comprehensive Financial Planning Services is our premier offering. Services include:
- Ongoing Money Management Services (see below)
- Financial Plans
- Financial Consulting
In addition to ongoing Financial Consulting, clients have internet access to MoneyGuidePro's award winning financial planning software and Cash Edge's account aggregation software. Your Financial Plan and Financial Statements are always up to date, and available to you 24/7.
This holistic approach combined with the resources of our strategic alliances, the tax and planning expertise of JBA, investor education programs, and state-of-the-art technology pulls our clients' financial lives together.
Ongoing Money Management.
JBA Investment and Cash Management Services:
JBA Strategic Asset Allocation Portfolios and JBA's Income Accounts.
In addition to JBA’s proprietary investments and cash management services, we offer standalone referral investment programs. These investment programs are made available thru our agreements with third party asset managers (other independent investment advisors). Equity Portfolios use various Exchange Traded Fund (ETF) strategies to build broadly diversified portfolios which are monitored and rebalanced on an ongoing basis.
Income Accounts are custom designed to meet a client's unique income needs. JBA teams up with Advisors Asset Management and other investment advisors to acquire and manage income producing investments. Income accounts are monitored on an ongoing basis.
Cash management services such as checking, electronic transfers and bill paying are offered in conjunction with Shareholders Services Group and Pershing LLC.
JBA Money Management Services fee is .50% of assets under management. This fee is incorporated in the above Comprehensive Planning Fee Schedule. JBA Portfolios are offered exclusively to Comprehensive Financial Planning clients and clients with over $5M in JBA Referral Investment Programs.
JBA Referral Investment Programs:
Matson Money's Strategic Asset Allocation Program.
JBA services and supports this program with Mark Matson's Investor Education Series. Matson Money uses Dimensional Fund Advisors' (DFA) structured asset class strategies to build broadly diversified portfolios which are monitored and rebalance on an ongoing basis.
Morningstar Investment Services' (MIS) Core and Explore ETF Portfolios, and Strategic Allocation Managed Account Portfolios.
MIS is the investment advisor of the Morningstar Research Company. The research company is well known for its 5-Star Mutual Fund Rating System. MIS monitors and rebalances these portfolios on an ongoing basis.
Advisor Asset Management Income Portfolios
JBA offer AAM’s income portfolios as part of a comprehensive income strategy or a stand alone retirement income solution. AAM, with over 30 years of experience, has its roots in the fixed income market place. The firms provide investment services through investment advisors, and act as the bond desk for broker dealers.
Referral Investment Program fees are 1% for equity portfolios and 1/2% for fixed income portfolios.
Minimum Investment – Matson Money $25,000, MIS $100,000, AAM $500,000.
Referral Investment Programs are offered with or without our Comprehensive Financial Planning Services.
Specialized Business Solutions.
"Ask how we generate high tax deductions with strategic retirement plan design."
JBA offers business consultations to small-and medium-sized enterprises. John Berzellini, a former IRS Agent, designs tax-wise strategies for closely held businesses in the following areas:
- Key Person Life Insurance and Executive Benefits
- Buy-Sell Agreements
- Non-Qualified Deferred Compensation Plans
- Qualified Pension Plans
- Salary Continuation Plans
- Corporate Long-Term Care Plans
In addition to his own experiences in auditing, taxation and finance, John draws on the experiences of other finance and insurance industry experts to bring cutting edge solutions to business owners in the area of executive benefits. We are well versed in the products and techniques used in the specialized areas of planning listed above, and offer our individual comprehensive financial planning services as an executive benefit.
Make sure your company's 401(k) plan does not put your personal assets at risk!
JBA supports and services Morningstar Investment Services open architecture 401(k) plan. This state of the art 401(k) offers plan sponsors the highest level of fiduciary protection available in the market today and offers plan participants a true institutional investment process.
As an executive benefit, we will integrate and support our personal financial planning software in conjunction with Morningstar's Investment Related Fiduciary Services.
Who We Are.
JBA is a registered investment advisor offering individuals and businesses:
- Financial Consulting
- Financial Plans
- Money Management Services
- Ongoing Comprehensive Financial Planning Services
JBA's financial planning process, investment programs, technology, educational programs and experience earn the confidence of the firm's clients. We believe this confidence, together with our history of integrity and quality service, is instrumental to the financial success of our clients.
With over 30 years of experience in financial services, taxation, and education, JBA's Principal, John Berzellini, has amassed an impressive local and national network of credentialed professionals and industry relationships to bring to bear on our client's unique financial goals and circumstances.
Why Choose Us?
"Our unique approach to financial planning helps clients find money they may be transferring to financial institutions unknowingly and unnecessarily."
OUR CLIENTS COME FIRST! No faceless committees overriding what is in the client's best interest.
JBA offers clients a fiduciary-based relationship, as opposed to the transactional-based, suitability relationship offered by many registered representatives of banks, insurance companies, and brokerage firms.
Reliable Tax Planning.
JBA's principal, John Berzellini, understands the procedural and technical aspects of tax administration. During his tenure as a IRS Agent, John worked in a combined income tax and estate tax examination group, was a member of the agency's technical review staff, and a IRS Classroom Instructor.
Honesty & Transparency.
JBA is an independent investment advisor; there are no disclosures or fine print to the contrary on our web site or business cards.
Integrity & Experience.
JBA's Principal, John Berzellini, is known in government, the professional community and the financial services industry for fair play and technical expertise.
JBA Client Accounts have the HIGHEST LEVEL of ASSET PROTECTION in the securities industry today. Pershing, LLC, a subsidiary of the Bank of New York Mellon, provides custodial services and enhanced asset protection for JBA Accounts.
Service & Delivery.
JBA has adopted the CFP® Board of Standard's Six Step Planning Process and the Board's Fiduciary Standard of care. John Berzellini is active in the CFP® Board's Financial Planning Outreach Program.
Fair & Competitive Pricing.
Flexibility of Relationship – Clients can choose Ongoing Comprehensive Financial Planning Service or engage JBA for the stand alone services of Money Management, Financial Consulting, or a Written Financial Plan.
Pricing – Stand-alone services are priced to be competitive in today's market place. We apply a fee offset for advisory fees received from the Matson Money, Morningstar Investment Services and Advisors Asset Management investment programs to our minimum quarterly planning fee.
At the minimum investment level, our comprehensive planning fee is only 1/4% higher than the average mutual fund expense ratio. At investment levels of $800,000 or greater, our comprehensive financial planning service is the best value in the Baltimore-Washington Metropolitan Area.
Clients have access to MoneyGuidePro's goal oriented financial planning software 24/7. Cash Edge Software populates financial plans with live account data from all client accounts no matter where those accounts are held. This functionality provides JBA clients with an up-to-date holistic view of their financial situation.
JBA Financial works with Net2Sky, LLC, to ensure safety and security in both its local computer networks and electronic communications.