JCB Financial, Inc.

JCB Financial provides investment supervisory services and financial planning to individuals (including high-net-worth clients), trusts, estates, charitable organizations, foundations, and business entities. Its service set includes continuous portfolio management (discretionary or non‑discretionary), written financial plans, targeted consulting, preparation of investment policy statements, and assistance implementing recommendations.

The firm emphasizes a top‑down macroeconomic framework combined with both fundamental and technical security analysis, with a focus on diversification, cost control, and low portfolio turnover. Portfolios are frequently constructed primarily — and at times exclusively — with exchange‑traded funds, although mutual funds, individual securities, bonds and limited option‑writing or short‑term trading strategies are used when aligned with client objectives and risk tolerance.

Notable features that distinguish the firm from many peers are its concentrated client base relative to assets under management and its operational relationship with Altruist Financial for custody, reporting and block‑trading services, which provides platform benefits and operational support. The firm also leaves proxy voting to clients rather than voting proxies on their behalf, a practice that differs from many advisory firms.