Financial Planning
The way you plan for your financial future can transform your present. JMA can help you see your financial plan as a driver for your values and convictions.
Our financial planning approach.
Your money isn’t just yours. You’re a faithful steward of resources that affect not only you, but also the lives of your loved ones and the world around you. As your advisor, it’s our role to provide principled counsel, drawing from a worldview that reflects generosity, wisdom, and flourishing.
At JMA, we define financial planning as the continuous, predetermined allocation of limited resources among unlimited, changing alternatives
Continuous
Our planning process is based on long-term relationship and ongoing conversation about your evolving financial priorities.
Predetermined
Money decisions should be proactive and thoughtful, not reactive and emotional.
Limited Resources
No matter the number on your balance sheet, your finite resources must be stewarded wisely.
Unlimited Alternatives
Decision-making is all about tradeoffs, which become more complex and challenging as your wealth grows.
How We Help
Your financial plan has the power to reflect your deepest-held values. We help you align those values with where and how you spend, save, invest, and give, creating new avenues and opportunities for stewardship.
Investment Management
Your future is more valuable than a cookie-cutter portfolio. Our investment management strategies operate completely in-house, overseen by our investment committee, providing you with unique opportunities for values-based investing.
Multigenerational Planning
We see multigenerational planning as preparing the next generation for your wealth, not the other way around. It's our great joy to serve multiple generations in our office, equipping children and grandchildren to steward a potential windfall or inheritance.
Charitable Giving
At JMA, charitable giving is more than a line item on your tax return. We see your desire for generosity and want to help you amplify your impact. We want to help you make charitable giving a robust piece of your financial plan and your life.
Tax Strategy
More complex finances equate to more complex tax considerations. Our team regularly reviews your tax returns and coordinates with your CPA on tax-related topics like charitable giving, Roth conversions, Medicare planning, and more.
How We Work
Your financial plan has the power to reflect your deepest-held values. We help you align those values with where and how you spend, save, invest, and give, creating new avenues and opportunities for stewardship.
Ready to See Your Whole Plan Come Together?
Every plan starts with a conversation about your family, your goals, and
what you want your wealth to accomplish.
Financial Planning Insights
Marriage & Money: The Importance of Communication
Marriage is about far more than love and companionship. It’s a partnership that forms the foundation of a family, and it may be the most important contract you ever enter. Disagreements over financial values, long-term goals, or spending habits can create a lot of stress in your relationship and affect every area of your life….
Managing Finances as a Team
Watch above as Brian Cochran sits down with JMA’s own Joe Limke and his wife Pam to discuss the opportunities and challenges facing couples as they embark on a shared financial journey. Drawing on decades of financial expertise and personal experience, Joe and Pam touch on big topics like goal setting, making big decisions as…
Avoiding the Extremes
For many, this has been a year of mounting uncertainty and anxiety. With a presidential election in a few months, conflicts in Ukraine and Gaza, and major social issues on the ballot-among many other factors-it’s understandable to feel uneasy about the future. But it’s best not to let those fears guide our decision-making. After all,…
Do I Need a Financial Advisor?
The financial world is filled with decisions. You might find yourself facing an overwhelming number of options with no clear “right” choice. For example, you might be asking yourself: How much house can I actually afford? How much money should I be setting aside in savings each month? Is there some way I could save…
Planning for Generosity in 2024
For many people, the end of the year is the time for giving. It may be that the holiday season inspires a spirit of generosity for some. Others make a more calculated decision to maximize their charitable contributions for the year as part of their year-end tax strategy. Whatever the case, as we approach the…
Frequently Asked Questions
If you live in the Albuquerque or Scottsdale area and have a net worth of over $500,000, JMA is equipped to serve you. Financial planning is valuable for anyone with meaningful financial complexity, especially if you’re:
- Approaching retirement
- Selling a business
- Receiving equity compensation
- Managing significant investments
- Planning charitable giving
- Preparing to transfer wealth to the next generation
- Navigating a major life transition