Our Services




Our goal is to provide you with a variety of investment and financial planning solutions that are custom to your needs and the current market conditions. We are strategy-driven, not product-driven. We implement quality investments regardless of brand name. We work on your behalf to curate and implement a plan for your financial freedom – however it may look for you.


Planning

Our team of advisors, which includes three CFP® professionals, can design a personalized financial plan for you and your family. This collaborative process starts with a conversation and learning what is important to you. We will work with you to implement the steps toward your goals and retirement planning. With a clear plan in place, we are there to meet regularly, adjust accordingly and monitor every step of the way.

Below are some examples of complex financial planning strategies:

  • Goal Planning (Home Purchase, College Funding)
  • Retirement Planning
  • Estate Planning Techniques
  • Business Planning Strategies
  • Risk Management Strategies
  • Gifting Strategies


Portfolios

The key to investing is taking it at a pace that's right for you and staying focused on your long-term goals. First, we'll help you understand investment fundamentals and then prioritize your goals. Next, we will asses your risk tolerance and tax situation. Finally, our investment professionals, including our in-house CFA, will present a portfolio proposal that fits your needs.

We offer a full range of investment management products and strategies:

  • Stocks, Bonds, Mutual Funds
  • Indexed Funds, ETF's (Exchange Traded Funds)
  • Custom Model Portfolios
  • Tax-Advantaged Portfolios
  • Strategies for Excess Cash Reserves
  • Structured Notes
  • Sustainable Investing: ESG (Environmental, Social, Governance) and SRI (Socially Responsible Investing)
  • Alternatives and Real Assets (Private Equity, Hedge Funds, REITs, Commodities, etc.)
  • Hedging Strategies
  • Downside Annuity Protection Strategies
  • Discretionary Client Portfolio Management

Investment Advisory Services

What is an advisory account?

In an advisory account, we act in a fiduciary capacity, bound to act in your best interest, and charge a fee based on a percentage of the assets under management. Assets are monitored on an ongoing basis and the model portfolios are custom curated and regularly rebalanced. 

What to expect in an advisory relationship?

Johlfs Wealth Management is a full-service investment firm. Depending on your needs, investment objectives and overall goals, we may assist you with brokerage services, investment advisory services, or in many cases - both. There are important differences to each including cost and the services we provide. Choosing the right investment accounts are a personal choice and your options should be taken seriously. 

Advisory Cost Structure

Our compensation is based on an annual advisory management cost. We use a tiered cost structure where the annual management cost declines as the assets under management increases (see chart). This is an all-inclusive benefit; The annual advisory management cost covers comprehensive financial planning by a CFP® professional, comprehensive investment management by a CFA charter holder, and our gold-standard client service model – an unparalleled value proposition. 

Click HERE to view all features and benefits of both Brokerage and Investment Advisory Relationships.


Cash Solutions

As investors, we often view our investment and bank accounts separately. However, we do not have to. There are many solutions available at LPL Financial that you can leverage to do things you may ordinarily associate only with your bank accounts:

  • Earn interest on your uninvested cash using FDIC insured cash sweeps.
  • Perform common financial transactions: write checks, set up auto bill pay, withdraw cash, or make purchases with a debit or credit card.
  • Use your non-qualified investment account as collateral for a loan.

Click here to download the Cash, Banking, and Lending Solutions Brochure


Protection

The uncertainties of life are wide ranging, and many of them can threaten the financial security of you and your family. Money management is about more than just accumulating and investing your assets - you also have to protect those assets.

We offer a variety of risk management and asset protection strategies:

  • Short term and long-term Disability Insurance
  • Long Term Care
  • Lifetime Income Strategies
  • Fixed and Variable Annuities
  • Term and Permanent Life Insurance
  • Business Owner Protection Strategies


   Educational Seminars

Interested in us speaking at your event? Our team of CFP®'s have curated presentations ranging from 20-minutes to 1-hour long sessions on the following areas of financial planning:

  • Preparing for Retirement
  • Year-End Tax Planning
  • Behavioral Finance
  • Importance of Beneficiary Designations
  • Work-Life-Money-Balance
  • College Planning
  • Basics of Investing: Why Work with an Advisor?

Schedule a Consultation


We have made scheduling our initial conversation easy. 

Click the button below to find a time that works for you. We look forward to connecting.


Book Now

LPL Financial is not affiliated with UMB Bank, n.a., or Visa.
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1-  If you do not qualify for the Direct CashTM Visa Signature® Card, you will automatically be considered for the Direct CashTM Visa Platinum® Card that earns 1% cash back on all net purchases. See your Rewards Rules that will accompany your card for details.
2 - Visa’s Zero Liability Policy covers U.S.-issued cards only and does not apply to certain commercial card transactions. You must notify your financial institution immediately of any unauthorized use. For specific restrictions, limitations and other details, please consult the issuer. 

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3 - For more information on TriState Capital Click Here