Jacobsma Financial

Jacobsma Financial is a fee‑only, sole‑proprietor investment adviser that, according to its brochure, provides discretionary and non‑discretionary investment management and integrated financial planning for individuals, families, trusts and estates, executing trades under a limited power of attorney while not accepting custody of client assets. The firm discloses it does not sell commissioned products and generally charges advisory fees based on a percentage of assets under management.

Investment decisions are grounded in fundamental analysis, supplemented by technical and cyclical analysis, and implemented through a strategic, long‑term asset allocation that commonly uses ETFs, mutual funds and selected individual stocks and bonds; accounts are reviewed at least annually and may be managed on a discretionary basis when authorized. Jacobsma Financial also participates in Charles Schwab’s institutional advisor platform and uses third‑party data providers, SEC filings and custodial reporting to support trade execution and account administration.

What is distinctive about the firm is the scope of client types it reports serving—beyond the individual, trusts and estates described in the brochure, its regulatory disclosures indicate relationships with a broad mix of institutional and specialized clients (including banking and insurance entities, sovereign wealth and other adviser clients, state and municipal governments, pension plans, charities and corporate accounts), a combination that is uncommon among peer investment managers. Additional notable features include an explicit policy not to aggregate client trades (no block trading), a disclosed conflict of interest tied to recommending Schwab’s institutional services, and the principal’s concurrent full‑time employment outside the advisory business, which may affect operational capacity.