Journey Beyond Wealth

Journey Beyond Wealth, LLC, operating as Journey Beyond Wealth (JBW), is an SEC-registered Investment Adviser founded in September 2017. Owners Andrew Avera and Christopher McCall manage $226,095,412 on a discretionary basis as of December 31, 2024. JBW specializes in Comprehensive Financial Planning Services, including investment management, covering areas like retirement planning, risk management, tax planning, and more. The firm follows a Modern Portfolio Theory and Passive Investment Management Allocation Approach for investment analysis. Clients receive written financial plans tailored to their goals. Fees for financial planning services range from 0.15% to 0.90% based on assets under management, debited monthly. Investment management fees range from 0.15% to 0.60%. JBW serves high-net-worth individuals with a minimum annual fee of $9,000 for comprehensive financial planning. The firm does not offer performance-based fees, participates in TD Ameritrade Institutional and Schwab programs, and does not vote client proxies. Clients maintain exclusive responsibility for voting securities. JBW does not have custody of client funds and maintains investment discretion for client accounts. The firm has no financial commitments impairing its ability to meet client obligations.