Broker Check

Our Company

 

SJB Financial is a client centric boutique that is aligned with more than 50 of the nations largest financial institutions and private practices to provide advanced planning concepts and innovative solutions which are engineered to address the sophisticated financial planning and risk management needs of discerning individuals, affluent families and successful businesses. Our expert team of financial consultants work as a cohesive planning team across multiple disciplines including business, tax, banking, legal, finance, accounting, risk management and insurance with some of the nation’s largest and oldest financial institutions to develop more tax-advantaged and risk-averse ways to address complex financial dilemmas, which are manifested and perpetuated by the ever changing tax code, economic climate and regulatory compliance.

Operating as an independent organization without a 'big-business" ideology and unwieldy bureaucracy, means we can provide absolute transparency and unbiased guidance throughout the financial planning process. We are thereby, unfettered to always act as advocates in the best interests of our clients.

Our client centric philosophy and mastery of financial literacy allows our clients to capitalize from our deep pool of resources in order to optimize the opportunities to create, enhance and preserve wealth.

 

We provide expert assistance in the following areas:

Individual Planning

  • Retirement 
  • Wealth Creation
  • Tax Planning
  • Income Solutions
  • Life Insurance
  • Individual Retirement Plans (IRA)
  • SEP IRA (Self Employment Plans)
  • ROTH IRA
  • Mutual Funds
  • Annuities
  • College Savings Plans
  • Estate Planning *
  • Legacy Planning *
  • Multi-Generational Family Planning *
  • Asset Protection
  • Trust Services
  • Charitable Trusts
  • Financing for Estate & Legacy Planning *

Business Planning

  • Business "Exit" Strategies *
  • Business Succession Planning *
  • Buy/Sell Strategies
  • Professional Retirement Solutions for Employers
  • Professional Retirement Solutions for Employees
  • Non Qualified Deferred Compensation *
  • Employer Benefit Plans
  • Executive Benefit Plans
  • Employee Benefit Plans
  • Defined Benefit Plans
  • Cash Balance Plans
  • Defined Contribution Plans
  • 401k Plans
  • Profit Sharing Plans
  • 403b Plans
  • 457 Plans
  • Self Directed IRA
  • Financing for Employer Benefit Plans *
  • Financing For Executive Benefit Plans *
  • Financing for Employee Benefit Programs
  • Risk Management
  • Insurance Services

Insurance

  • Life Insurance (Index Universal Life, Whole, Variable, Term, Dividend)
  • Financing for Life Insurance Premiums *
  • Bank Owned Life Insurance (BOLI) *
  • Corporate Owned Life Insurance (COLI) *
  • Long-Term Care Insurance
  • Disability Income Insurance
  • Group Insurance
  • Guaranteed Issue