Phillip James Financial Co.

Phillip James Financial is an independent, fee-only financial advisory firm founded in July 2010 by Phillip Christenson, CFA, and James Sexton, CPA. The firm specializes in providing comprehensive wealth management services to individuals and families nearing retirement, focusing on financial planning, investments, and taxes. Their investment philosophy is based on Modern Portfolio Theory, aiming to maximize returns for a given level of risk through asset allocation tailored to each client's needs and goals. Clients benefit from a long-term, globally diversified investment strategy using low-cost exchange-traded funds (ETFs) to achieve optimal returns over time. Phillip James Financial operates as a fiduciary, acting in the best interests of clients and offering transparent fee structures. Clients are required to have a minimum asset under management (AUM) of $750,000, with fees based on a percentage of assets managed. The firm charges an initial planning fee of $2,500 to $5,000, waived for ongoing clients, and has an annual minimum fee of $12,500. Investment management fees are billed quarterly based on the portfolio's fair market value. Clients have access to a client portal for ongoing reporting and receive monthly statements from the custodian. The firm's services include investment management, retirement planning, income tax planning, risk management, and more. Phillip James Financial emphasizes tailored relationships, offering discretionary authority for trading and ongoing financial planning integrated with investment management. The firm does not engage in performance-based fees and has no disciplinary history. Clients are encouraged to vote their proxies, and the firm does not vote on their behalf.