Our team here at JJConway.org has always had a heart to help people and serve God. We hope the information on our site will empower you to take control over your finances.
Fee-Only Financial Planners:
We are a fee-only financial planning service. This means we don’t accept any fees or compensation based on product sales. Instead, we have a fiduciary responsibility to act in our clients’ best interest. We set our fees based on your income and situation. This allows us to provide more comprehensive advice with less conflict of interest than a planner who makes large commissions when you buy the policies they recommend.
There are MANY different financial “gurus” out there, and each has a strategy that works in the right situation. We are aligned most closely with the teaching of Dave Ramsey and use primarily his educational materials for our debt reduction classes. We evaluate the needs and personality of every client and recommend the approach most suitable for their needs.
We recommend only investing in things you understand. As a physicist in the Air Force, JJ ensured her work would always pass the “Grandma Test” and the “Washington Post Test.” The “Grandma Test” means can you explain what you are doing to your grandma, and the “Washington Post Test” asks would you want your mother to read about you doing this on the cover of the Washington Post. If the answer to any of those questions is no, you probably shouldn’t do it.
We take this approach to building and maintaining wealth. Like many of the financial advisors we follow, we are pretty boring when it comes to investing. It’s always funny to see how many financial TV and Radio personalities rave about some exotic new technique, but when asked what they, personally, do in their own lives the answer goes something like this: “Live debt free, plus invest in solid mutual funds and real estate.”
A third tenant of our investment philosophy is diversification. The Bible speaks to the value of diversification and also cautions us against counting certain investments as success when they haven’t yet accomplished their goals.
Why Real Estate? Did You Miss the Recent Housing Market Crash?
The market operates cyclically, and has an upward trend. What this means is, the markets go up and down but over large blocks of time the average values are increasing. No matter what investment you hold, its value will be affected by the up and down cycle of the market. Some investments, like Real Estate, have properties that hedge against this change in value. A paid-off rental house may be forced to lower rents slightly during a market crash, but it won’t go to zero. People always need a place to live. Someone looking to solidify their retirement income can plan on a percentage of those rents coming in each month instead of risking their retirement to the stock market
Why are you “JJConway.org” and not “JJConway.com?”
Quite frankly, because JJConway.com is taken. We do feel that the “.org” designator is appropriate for what we are doing because this isn’t about making big commission checks as a financial planner. This is about equipping you to achieve the highest purpose for your life. We offer a public service, and we often receive donations to help sponsor attendees to our debt-dumping and wealth-building classes. We are in the process of obtaining our 501(c)3 designation so that those donations can be tax deductible. JJConway.org is focused, primarily, on education; empowering you to make the decisions that best secure your family’s financial future.
What’s my next step?
Call or email us today to schedule your free, no-obligation, consultation. You may also use the web-form on the “Contact” page. We will work together to develop a financial plan that is both affordable and empowering for you.
This site is for informational purposes only and does not constitute professional advice. Each situation has many variables, so we recommend engaging the services of your own financial planner. To inquire about engaging our services, please click the "Contact" link at the top of our page.