JM Investment & Retirement

What JM Investment & Retirement does

JM Investment & Retirement Strategies is a privately held, boutique financial advisory practice headquartered at 1874 Thomas Jefferson Parkway in Charlottesville, Virginia, operating as a sole-practitioner firm led by Jeff McGough, a Financial Consultant with 37 years of industry experience (since 1985). Since 2018 the firm has offered securities and investment advisory services through LPL Financial, a Registered Investment Advisor and FINRA/SIPC member, with Jeff McGough registered to transact across Virginia, Florida, Maryland, South Carolina, and Indiana. The practice is built on a relationship-led, consultative model rather than proprietary technology, offering Zoom-based consultations and online document signing in addition to in-person meetings.

The firm's core offering centers on fee-based fiduciary investment management covering stocks, bonds, ETFs, mutual funds, REITs, annuities, alternative investments, and managed futures, paired with retirement planning for individuals and small businesses (including SEP, SIMPLE, 401(k), IRA, Roth IRA, 401(k) rollover, and both fixed and variable annuities). A second revenue stream comes from insurance commissions across a ten-carrier shelf — MetLife, Prudential, Allianz, Genworth, John Hancock, AXA-Equitable, Hartford, AIG, United Healthcare, and Anthem Blue Cross-Blue Shield — covering life, fixed/variable/fixed-indexed annuities, disability, long-term care, individual and group health, and 401(k) information requests. A content-driven learning center (calculators, newsletters, flipbooks, tax library, glossary, weekly market commentary) supports top- and mid-funnel engagement.

The go-to-market is sales-led and relationship-based, with no disclosed technology platform, API, or mobile application. Pricing is not publicly disclosed; the firm references "competitive rates" on fee-based fiduciary investment management and directs prospects to contact for a rate sheet. Customer segments are horizontal and individual-driven — individual/family investors and small business owners — with no enterprise or institutional accounts identified. The practice is owner-operated, has no subsidiaries, no disclosed headcount, no funding history, and no M&A activity, making it a classic lifestyle advisory practice whose continuity is tightly linked to the principal.

Name

JM Investment & Retirement

Legal name

JM Investment & Retirement Strategies

Website

https://jminvestment.com

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

JM Investment & Retirement Strategies is a privately held boutique financial advisory practice in Charlottesville, Virginia, led by principal Jeff McGough, delivering fee-based investment management, retirement planning, and multi-carrier insurance brokerage through LPL Financial to individuals and small business owners across five states.

Ownership category

akta.pro rank

Product category

Financial Advisory Services

NAICS

Portfolio Management and Investment Advice (523940)

SIC

Investment Advice (6282), Insurance Agents, Brokers & Service (6411), Life Insurance (6311)

akta.pro industry

PRIMARYFSAAABAC

Discretionary Portfolio Management (DPM)

Financial & Insurance/Asset & Wealth Management/Private Banking & HNW/UHNW Wealth Management

SECONDARYFSAEABAC

Private Banking & UHNW Wealth Advisory

Financial & Insurance/Financial Advisory, Brokerage & Intermediation/Wealth & Retirement Advisory

Keywords

• Retirement planning
• Investment management
• Financial advisory
• Wealth management
• Insurance planning

Headquarters

HQ city

Charlottesville

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Fee-Based Investment Management: The firm offers experienced investment fiduciary fee-based investment management at competitive rates. They provide portfolio management services for stocks, bonds, ETFs, mutual funds, and other securities with a focus on risk management and growth.
2. Insurance Products and Annuities: The firm earns commissions from selling insurance products including life insurance, fixed annuities, variable annuities, fixed-indexed annuities, disability insurance, and long-term care insurance. They work with multiple insurance carriers including MetLife, Prudential, Allianz, and others.
3. Financial Planning Services: The firm provides comprehensive financial planning services for individuals and small businesses including retirement planning, tax planning, estate planning, and investment strategy development.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels5 records

Core offering

JM Investment & Retirement is a private financial advisory practice that delivers investment portfolio management, retirement planning, and insurance planning services to individual clients. The firm operates from Charlottesville, VA, and is affiliated with LPL Financial as its broker-dealer, enabling it to offer investment and insurance products across multiple U.S. states.

Product overview

JM Investment & Retirement Strategies offers a comprehensive suite of financial advisory and planning services centered around personalized investment management and retirement planning. The core offerings include investment portfolio management (covering stocks, bonds, ETFs, mutual funds, and alternative investments), small business retirement planning (SEP, SIMPLE, 401k, IRA, and annuity products), and insurance planning and comparison shopping across multiple insurance types. Supporting these core services are educational tools including financial calculators, flipbooks, newsletters, and a tax library. All services are delivered through Jeff McGough as a registered Financial Consultant via LPL Financial, a Registered Investment Advisor, providing fee-based investment management with fiduciary oversight for individuals and small business investors in Virginia and surrounding states.

Differentiator

Problem solved

Functional benefit

Products and services

• Investment Portfolio Management

Segments2 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Eleven partnerships are on record, tiered core and minor.

• LPL FinancialcoreTechnology or Integration · 1 January 2018Securities and advisory services are offered through LPL Financial, a Registered Investment Advisor and Member FINRA/SIPC. Jeff McGough began offering securities and investment advisory services through LPL Financial in 2018, providing access to a broader range of investment products and regulatory infrastructure.
• MetLifeminorOthersInsurance partner offering life insurance, fixed annuities, and related products through the firm's insurance planning services.
• PrudentialminorOthersInsurance partner offering life insurance and related products through the firm's insurance planning and comparison shopping services.
• AllianzminorOthersInsurance partner offering life insurance and related products through the firm's insurance planning services.
• GenworthminorOthersLong-term care insurance provider partnered with the firm for insurance comparison shopping services.
• John HancockminorOthersInsurance partner offering life insurance and related products through the firm's insurance planning services.
• AXA-EquitableminorOthersInsurance and annuity products provider partnered with the firm for comprehensive insurance planning.
• HartfordminorOthersInsurance partner offering various insurance products through the firm's planning and comparison services.
• AIGminorOthersInsurance partner offering life insurance and related products through the firm's insurance planning services.
• United HealthcareminorOthersHealth insurance provider partnered with the firm for insurance comparison shopping services.
• Anthem Blue Cross - Blue ShieldminorOthersHealth insurance provider partnered with the firm for insurance comparison shopping services.

Scale indicators2 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• Edward Jones: Mass-affluent individual-investor-focused independent advisor model with fee-based and commission revenue, similar to JM's clientele and product mix. Closely comparable on customer segment (individuals, small business retirement) and consultative sales motion.
• Raymond James Financial Services: Independent broker-dealer advisor network offering investment management, retirement, and insurance planning through affiliated advisors. Jeff McGough previously operated through Raymond James, making it a directly comparable affiliation and business model.
• Cetera Financial Group: Independent broker-dealer and RIA supporting affiliated financial advisors with investment, retirement, and insurance product access. Directly comparable to JM's LPL-anchored independent advisor structure and product shelf.
• Ameriprise Financial: Independent advisor franchise model delivering fee-based investment management plus insurance and retirement planning to individuals and small businesses. Highly comparable in business model, advisor-led delivery, and product breadth including annuities.

Broad incumbents

• MassMutual Financial Group: Insurance-and-investment hybrid firm offering life insurance, annuities, retirement planning, and investment advisory. Highly comparable product mix to JM (especially insurance and annuity-heavy), though operating at far greater scale.
• LPL Financial: JM's parent broker-dealer and registered investment advisor; LPL provides compliance, product access, and technology to thousands of independent advisors including JM. Largest US-independent broker-dealer and the structural parent/incumbent of JM's operational model.
• Northwestern Mutual: Comprehensive financial planning plus insurance and investment advisory for individuals, with a strong advisor network. Comparable product breadth (planning + insurance + investment) and similar advisor-led delivery to mass-affluent clients.
• Charles Schwab Wealth Advisory: Fee-based wealth advisory service delivered through Schwab Advisor Services and direct advisory offerings. Comparable fee-based fiduciary positioning, broader technology infrastructure, and overlapping target market with JM.
• Merrill Lynch Wealth Management: Wirehouse wealth management arm of Bank of America providing investment, retirement, and insurance advisory to individuals and small businesses. Comparable service scope but vastly larger scale, technology stack, and brand.

Emerging players

• Vanguard Personal Advisor Services: Hybrid robo-plus-human advisor service offering fee-based investment management at significantly lower price points. Comparable target customer (retirement-focused individuals) but uses a technology-augmented, lower-fee model that competes directly with JM on price.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/jm-investments-inc

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 JM Investment & Retirement