do not hesitate to call us with questions or comments as we are
here to serve you. Welcome to our website!
Why Use An Advisor?
People use financial
planners because they don't have the time, interest, or
ability to create a plan by themselves, or they do have the
time and ability and want a second opinion.
Clients of Just Plans are mostly of the first group, and
are generally overwhelmed by the multitude of options with
which they are confronted. The #1 item most are concerned
with is having an adequate retirement income. Number two is
funding their children's college costs. While college costs
can be paid from current income or monies accumulated
beforehand, retirement income can only be provided by
setting money aside ahead of time and investing it wisely.
Our business is built on relationships. We work with you
to identify and quantify your objectives. The first step
involves gathering personal and financial information.
Goals are established and constraints identified.
Relationships prosper when expectations are realistic.
Investments are based on what is needed to reach your goals,
taking into consideration your ability to tolerate market
When you choose to have us manage your investments, the accounts
are 100% discretionary. We allocate portfolio assets to CDs,
Treasuries, separate accounts, exchange traded and
traditional mutual funds and individual stocks. Depending on
the size of the account, up to 60% may be allocated to core
holdings, with the balance allocated to industry specific or
asset class specific positions. Monthly statements are
provided by the custodian. Just Plans provides quarterly
performance reports and we are available for personal
In 1982 Just
Plans was formed to provide investment products for
retirement plans, and to provide financial counseling to
business owners and retirement plan participants. The
predecessor insurance firm (started in 1967) designed and
implemented retirement plans for closely held businesses. It
provided estate-planning strategies for the business owners,
their key people, and other individuals.
Just Plans refers to its services as "ABEL Strategy." Conceived in
1991, the concept was initially a non-discretionary
investment account using no load mutual funds held at
Charles Schwab & Co. A 1% fee was charged. The program is
now 100% discretionary, using CDs, Treasuries, exchange
traded and traditional mutual funds and individual stocks,
with accounts at Schwab or TD Ameritrade.
We can be a resource for any situation that has to do with
finances. For services in which we do not specialize, we
refer our clients to many other partner professionals and
firms with whom we network.
Just Plans Etc., 1399 Ygnacio Valley Rd., Ste. #24, Walnut Creek, CA 94598