Financial Journey LLC
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$4,481,522
Clients
8
0% high-net-worth
Advisors
1
of 1 employees
Firm type
Independent
1 advisor with up to 2 employees
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
8
LowAverage account size
$560,190
About
Financial Journey LLC serves individual and high-net-worth clients, providing tailored investment management alongside project-based and ongoing comprehensive financial planning. Services described in the brochure include retirement and estate planning, cash flow and debt management, business planning, employee benefits optimization, insurance reviews, and focused consultations.
The firm builds client-specific investment policy statements through personal discussions and implements largely passive portfolios composed of index mutual funds and ETFs guided by Modern Portfolio Theory. It also uses fundamental, technical, and cyclical analysis to inform asset-allocation and sector decisions, does not employ third‑party managers or wrap programs, and executes trades on an individual-account basis rather than block trading.
Compared with many independent advisers, the firm’s principal holds both CFP and Enrolled Agent credentials and emphasizes tax-planning strategies and coordination with accountants and attorneys, including participating in meetings with those professionals when requested. The adviser also offers financial education courses through a separate entity and provides business‑planning services, features that are less common among peers.
Client services
Financial planning
Portfolio management
Expertise
General retirement planning
Cash flow / budgeting
College savings (529s, UTMA, etc.)
Tax strategies for small businesses
Fee options
Focused Consultations: $300 to $2,500; Project-Based Financial Planning: $2,750 to $6,000; fees negotiable.
$0 - $999,999: 0.95% $1,000,000 - $2,499,999: 0.85% $2,500,000 - $4,999,999: 0.75% $5,000,000+: 0.65%
$200.00 per hour, negotiable in certain cases.
Ongoing Comprehensive Financial Planning: Upfront fee $500 to $1,500 plus ongoing fees $250 to $500 per month, or $750 to $3,000 per quarter, or $1,500 to $6,000 semi-annually; fees negotiable.
Fee-only: Fee-only compensation; no commissions or sales-related compensation.
Main office location
Financial Journey LLC
Pensacola FL, United States
Number of offices
1
Most active in
Financial Journey LLC has reported serving >5 clients in these states in the last 12 months.
Alabama · Florida · Texas · Virginia
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is active or affiliated with:
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
Is not active or affiliated with:
-
Insurance agent
They sell insurance products and may earn commissions on those sales.
-
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
-
Bank
They're affiliated with a bank that may offer its own financial products and services.
-
Trust company
They provide trust and estate administration services, typically for separate fees.
-
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
-
Lawyer
They provide legal services, typically billed separately.
-
Real estate agent
They facilitate real estate transactions and may earn commissions.
-
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
Quick links
LinkedIn
Facebook
Instagram
YouTube
Website
202-731-1266
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