Broker Check


1) What is a Registered Investment Advisory firm?

WJ Wealth Management is a Registered Investment Advisory firm (RIA). As defined by The Investment Advisors Act of 1940, an RIA is “a person or firm that, for compensation, is engaged in the act of providing advice, making recommendations, issuing reports or furnishing analyses on securities, either directly or through publications.”

WJ Wealth Management provides clients with fully personalized financial strategies, and because we serve as a fully independent company, our advisors are not beholden to push investment products for any outside vendors.

2) What is the "fiduciary standard"?

n. “The strictest duty of care as recognized by the US legal system.”

As established in The Investment Advisors Act of 1940, the Fiduciary Standard compels advisors to place their clients’ needs above their own. At WJ Wealth Management, the Fiduciary Standard drives our team to act solely in your best interests, rather than those of the firm. Free from the pressure of corporate and proprietary products, our advice, analysis, and strategies are always tailored to our clients’ unique situations.


The CERTIFIED FINANCIAL PLANNER™ (CFP®) designation is one of the most prestigious in the financial services industry. As conferred by the Certified Financial Planner Board of Standards, an advisor’s CFP® title embodies their commitment to excellence and expertise across a spectrum of financial services. While the general term of “financial planner” has become pervasive in our industry, the CFP® professionals at WJ Wealth Management are bound by their comprehensive training and adherence to uncompromising principles.

4) What is an Enrolled Agent?

An Enrolled Agent (EA) is a designated tax expert with unlimited practice rights. As affirmed by the United States Treasury Department, Enrolled Agents are permitted to represent clients before the Internal Revenue Service on any tax-related issue. At WJ Wealth Management, our Enrolled Agents apply their skill to help integrate custom tax-strategies with their clients’ overall investment situations.

5) What is a "robo advisor"?

In the era of social media, robo-advisors have emerged with a goal to streamline the financial planning experience. At its core, a robo-advisor provides access to comprehensive financial guidance through a digital format. While one-on-one advisory relationships will always retain their value, robo-advisors supplant in-person meetings for online, technologically-driven portfolio management.

For investors who have recently entered the financial world, a robo-advisor presents an alternative to traditional financial planning. At WJ Wealth Management, we’re excited by such cutting edge developments in our industry and are thrilled to provide them at a lower cost than traditional financial planning.

6) What is a fee-based investment advisor?

Fee-based investment advisors charge a set percentage of their client’s assets. At WJ Wealth Management, our advisors are compensated by the fees we charge, not the products we sell. This fee-only structure upholds our fiduciary responsibility and promotes our clients’ best interests.

7) What is an "independent" advisor?

In today’s globally-connected economy, investors can access a wide range of financial institutions. From the “big box” wire-houses, to regional and boutique firms, clients have more freedom than ever before in selecting their financial partners. The question is: do your advisors have the same unmitigated freedom to work for you?

Investment independent advisors can provide investment products to clients with true objectivity. At WJ Wealth Management, we pride ourselves on our independence and ability to provide unbiased advice and solutions that truly have your best interests in mind. To affirm your confidence, our relationship with LPL Financial, the largest independent broker-dealer in the nation*, provides us with unbridled access to some of the industry’s best investment resources.

*As reported by Financial Planning magazine, June 1996-2016, based on total revenue.

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