CJM Wealth Advisers

What CJM Wealth Advisers does

CJM Wealth Advisers, Ltd. is an independent, fee-only registered investment advisor (RIA) founded in 1978 and headquartered in Falls Church, Virginia. The firm provides comprehensive financial planning and investment management services exclusively to high net worth individuals and families across Northern Virginia, the DC metro area, and nationally, with an emphasis on multi-generational wealth management. Core offerings include financial planning, investment management, retirement planning, education planning (529 plans), estate planning coordination, tax planning (including advanced strategies such as Mega Back Door Roth and tax-loss harvesting), and transition planning for life events such as retirement, inheritance, and senior living transitions.

The firm does not build or license proprietary technology. It operates on a third-party technology stack: Orion Advisor powers the client portal (login.cjmwealth.com / Orion Advisor login) for account access and reporting, and BNY Mellon Pershing serves as the custodial clearing firm for trade execution, custody, and reporting. PayPal is used for financial planning fee payment processing. The firm's value proposition is built on its credentialed professional team — every adviser holds the CFP® designation, with additional CFA® charterholders — and on its consistent recognition across Washingtonian Magazine (including a 2023 Hall of Fame induction), Northern Virginia Magazine, Forbes Best-in-State Wealth Advisers, Barron's Top RIA Firms, and the Washington Business Journal's largest wealth management firms ranking.

CJM's revenue model is subscription/recurring advisory fees charged to clients on a fee-only basis (no commissions or product sales). Specific fee schedules are not publicly disclosed; as a fiduciary RIA serving HNW clients, fees are likely structured as a percentage of AUM or fixed retainers. The firm has no disclosed funding events, no parent company, and no M&A activity; it operates as an independent private partnership led by principals including Chairman Brian T. Jones (son of founding partner Tim Jones) and partners Kevin E. Donovan (CFA) and Parker G. Trasborg (newest partner, welcomed in 2025). Client acquisition is relationship-based — referrals, editorial recognition, and content marketing through the firm's blog, quarterly video market updates, and webinars with external experts.

Name

CJM Wealth Advisers

Legal name

CJM Wealth Advisers, Ltd.

Website

https://cjmltd.com

Company type

Private

Founded year

1978

Operating status

Operating

Headcount range

11–50 employees

Short description

CJM Wealth Advisers is an independent, fee-only registered investment advisor founded in 1978, serving high net worth families across the DC metro area and nationally with comprehensive financial planning and investment management delivered by CFP® and CFA® professionals.

Ownership category

akta.pro rank

Product category

Wealth Management

NAICS

Portfolio Management and Investment Advice (523940), Trusts, Estates, and Agency Accounts (52592)

SIC

Investment Advice (6282)

akta.pro primary industry

Advisory Portfolio Management (Non-Discretionary) (FSAAABAD)

akta.pro secondary industry

Estate & Legacy Planning Advisory (FSAEAAAG)

Keywords

• Fee-only advisory
• Financial planning
• Investment management
• Retirement planning
• Estate planning

Headquarters

HQ city

Fairfax

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales

Revenue model

1. Financial Planning and Investment Advisory Fees: CJM Wealth Advisers is an independent, fee-only registered investment advisor (RIA). The firm generates revenue through advisory fees charged to clients for financial planning and investment management services. As a fee-only advisor, the firm does not earn commissions on product sales. The specific fee structure (AUM percentage vs. flat fee) is not publicly disclosed on the website. Clients access account management through BNY Mellon Pershing.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels5 records

Core offering

CJM Wealth Advisers provides comprehensive financial planning and investment management services to high net worth individuals and families. Services include goal identification, portfolio optimization, retirement and income distribution planning, education planning (529 plans), estate planning coordination, tax planning, and transition planning for life events. Engagements are delivered as ongoing, personalized advisory relationships by a team of CFP-credentialed professionals acting as fiduciaries.

Product overview

CJM Wealth Advisers offers a comprehensive suite of wealth management services centered on financial planning and investment management for high net worth families. The core offering consists of financial planning that integrates investment management, retirement planning, education planning (529 plans), estate planning coordination, and tax planning strategies. The firm also provides transition planning for life events and delivers educational content through video market updates. Services are delivered by CFP® professionals who serve as fiduciaries, emphasizing a personalized, relationship-driven approach rather than a technology platform architecture.

Differentiator

Problem solved

Functional benefit

Products and services

• Financial Planning Comprehensive wealth management and financial planning services including goal identification, portfolio optimization, and financial picture simplification for high net worth families. Delivered by CFP-credentialed fiduciary advisers.
• Investment Management Portfolio management and investment advisory services utilizing active and passive strategies, diversification across asset classes, and downside risk management for high net worth families.
• Retirement Planning Pre-retirement planning, income distribution planning in retirement, and required minimum distribution planning for qualified plans and IRA accounts.
• Education Planning Planning services focused on 529 plans, college savings strategies, and education funding optimization for client families.
• Estate Planning Estate tax planning, trust planning, wills, and coordination with estate planning attorneys for HNW families.
• Tax Planning Income tax planning, advanced tax strategies including Mega Back Door Roth and tax-loss harvesting, and tax-smart gifting strategies.
• Transition Planning Life transition planning services addressing events such as retirement, divorce, inheritance, career changes, and senior living transitions.

Quantifiable outcome

• Strong long-term investment performance referenced through market commentary — the S&P 500 was up 16% over the prior 12 months (as of April 2026), international stocks up 18%, NASDAQ up 25% year-over-year as noted in the Q1 2026 market update.

Named customers1 record

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Partnerships

Ten partnerships are on record, tiered core and minor.

• BNY Mellon PershingcoreTechnology or IntegrationBNY Mellon Pershing serves as the custodial clearing firm for CJM Wealth Advisers client accounts. CJM's client portal links to BNY Mellon Pershing for account viewing and management. This is a foundational operational partnership for an RIA, enabling trade execution, custody, and reporting.
• Orion AdvisorcoreTechnology or IntegrationCJM Wealth Advisers uses Orion Advisor for its client portal (login.cjmwealth.com). Orion Advisor is a leading portfolio management and client relationship platform used by RIAs for portfolio accounting, reporting, and client communication.
• Capital Group / American FundscoreStrategic or Co-development PartnerCapital Group/American Funds is a key strategic partner. Brian T. Jones served on the Capital Group/American Funds Advisory Council Board from 2020–2023. CJM hosts joint webinar events with Capital Group/American Funds — a May 14th, 2026 webinar is planned. The firm utilizes American Funds for client portfolios and views Capital Group as a key thought leadership partner.
• CFP Board (Certified Financial Planner Board of Standards)coreOthersCJM Wealth Advisers and its advisers are CFP® certificants. The CFP® designation is a widely recognized professional certification for financial planners in the United States. The firm's website displays the CFP Board logo, signaling adherence to CFP® ethical and professional standards.
• CFA InstitutecoreOthersCJM's Kevin E. Donovan holds the Chartered Financial Analyst (CFA) designation from the CFA Institute. The CFA Institute is the global association of investment professionals that sets standards for the CFA charter. The firm displays the CFA Institute logo on its website.
• Financial Planning Association (FPA)minorOthersBrian T. Jones served as President and Chairman of the Board of the Financial Planning Association (FPA). The firm displays the FPA logo on its website, indicating membership and adherence to FPA standards.
• National Association of Personal Financial Advisors (NAPFA)coreOthersCJM Wealth Advisers is a member of NAPFA, the standard bearer for fee-only, fiduciary financial advisors. Brian T. Jones is listed as a NAPFA member. NAPFA membership requires fee-only compensation and fiduciary commitment, which aligns with CJM's business model. The firm displays the NAPFA logo on its website.
• Silver Bridges ConsultingminorStrategic or Co-development PartnerCJM collaborated with Silver Bridges Consulting to host a webinar on 'Navigating Senior Living: Understanding the Options' in October 2025. This partnership extends the firm's reach into senior living advisory, a transition planning topic for client families.
• Cozy Wittman (College Planning Expert)minorGTM or Marketing PartnerCJM co-hosted a webinar with college planning expert Cozy Wittman on 'Major Changes to the College Planning Process Happened in 2023' (November 2023). This partnership enhances the firm's education planning content and thought leadership in the 529/college planning space.
• Dr. Anirban Basu (Sage Policy Group)minorGTM or Marketing PartnerCJM hosted a webinar conversation with Dr. Anirban Basu, Chairman & CEO of Sage Policy Group, covering macroeconomic outlook, inflation, interest rates, and the Federal Reserve. The firm leverages Dr. Basu's economic expertise to enhance its thought leadership content.

Scale indicators1 record

Recent moves6 records

Expansion highlights4 records

Emerging players

• Empower Personal Dashboard (formerly Personal Capital): Hybrid digital wealth advisory platform serving HNW investors with technology-enabled financial planning and investment management. Represents the digital-native competitive vector that could attract next-gen HNW clients away from traditional firms like CJM.
• Creative Planning: One of the largest independent fee-only RIAs in the U.S., growing rapidly through M&A. Overlap with CJM in fee-only fiduciary model and HNW service offering, but materially larger and national in scope.
• Mariner Wealth Advisors: Scaling independent RIA providing wealth advisory, financial planning, and investment management to HNW individuals and families. Comparable service model to CJM but operates at significantly larger national scale through acquisitions.

Direct peers

• Modera Wealth Management: Modera is a fee-only, fiduciary RIA serving HNW individuals and families with comprehensive financial planning and investment management, comparable in structure, size, and service offering to CJM. Both firms operate as independent RIAs with similar client profiles.
• Halbert Hargrove: Long-established (founded 1984) fee-only fiduciary RIA providing comprehensive wealth management and financial planning to HNW individuals and families. Highly comparable to CJM in tenure, fee-only structure, and HNW focus.
• Verity Wealth Advisors: Fee-only RIA serving HNW families with financial planning, investment management, and tax planning services. Comparable in size, structure, and target clientele to CJM Wealth Advisers.

Broad incumbents

• Brown Brothers Harriman: Large private banking and wealth management firm with a dedicated HNW/UHNW advisory practice offering portfolio management, trust services, and financial planning. Broader incumbent offering overlapping with CJM's HNW wealth management services.
• Bessemer Trust: Large, established multi-family office and wealth advisory firm focused on UHNW families with comprehensive investment management, estate planning, and family office services. Overlaps with CJM's HNW wealth and estate planning capabilities.
• Northern Trust: Major financial holding company with a large wealth management division serving HNW and UHNW families, offering investment management, trust, and financial planning services. A broad incumbent competitor in the same HNW wealth advisory space.
• Fisher Investments: Large independent investment management firm serving HNW individuals and institutional clients. Overlaps with CJM's investment management and portfolio advisory offering but at materially larger scale.

Market position

Strengths1 record

Weaknesses5 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/CjmWealthAdvisersLtd
• Xx.com/intent/post?url=https%3A%2F%2Fwww.cjmltd.com%2Fapril2026_market_update%2F
• LinkedInlinkedin.com/company/cjm-wealth-advisers-ltd-
• Pinterestpinterest.com/pin/create/button/?url=https%3A%2F%2Fwww.cjmltd.com%2Fapril2026_market_update%2F

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles11 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about CJM Wealth Advisers