Lee started his independent financial services firm in 1996, intent upon providing personal, process driven guidance that high-net-worth individuals, retirees, and business owners need to pursue their financial goals. As independent advisors,Lee says,we create objective, customized planning strategies to help manage, preserve, and transfer our client's wealth. We are committed to helping individuals and families pursue their goals through what is most important to them: their personal values.
Lee's credentials encompass a bachelor's degree in Business Administration, an MBA, and the designation of CERTIFIED FINANCIAL PLANNER™ practitioner. He served as President of the North Florida Chapter of the Financial Planning Association and as an adjunct professor. His education, and over 2 decades of experience, have made him a multi-faceted professional capable of evaluating virtually all areas of a client's financial life, designing strategies to address the needs of each aspect, and weaving the strategies into an integrated plan so all pieces work together efficiently.
Our Financial Advisors create objective, customized strategies to help manage, preserve, and
transfer our client's wealth. We have developed a rigorous integrated process which
incorporates three key pillars: Fundamental Risk Process, Proactive Investment Strategies, and
Customized Financial Planning. Our structured system starts with your personal Risk Number®
which we use to establish a Risk Managed portfolio that responds to the changing markets. This
portfolio is then integrated into a Financial Plan that aims to increase the probability
that you will never run out of money, especially in retirement. Our comprehensive financial
planning will help organize your assets, insurance, liabilities, and estate documents to help
you simplify, consolidate and integrate every aspect of your financial future, so you can
devote your time to what's most important to you - your family and lifestyle.
As CERTIFIED FINANCIAL PLANNER™ practitioners, we've long held ourselves to the fiduciary
standard. We welcome the cornerstone of the new CFP Board's Code of Ethics, effective October
1, 2019, as "a CFP® professional's duty to act as a fiduciary, in the best interest of the
client, at all times when providing financial advice to a client" to reflect the commitment
to which all CFP® professionals are required, to comply to the high standards of competency and
ethics.
We are an independent, fee only financial services firm, that has an alliance with LPL
Financial, the nation's largest Independent Broker/Dealer (as reported in Financial Planning
magazine June 1996-2019, based on total revenues). Our practice is currently limited to 120
families.
Valerie J. Heineman
Financial Paraplanner
Valerie graduated from the University of Arkansas,
Fayetteville, in 1998 with a BSBA in Finance Management.
That same year, she relocated her family to Jacksonville,
Florida, obtained her securities registration and began
her investment career with one of the states largest
banks. She later joined a regional investment firm as a
Registered Assistant and then went on to become a
financial planner utilizing investment and insurance
products for her clients. In January 2008, she joined a
major national investment firm serving in various roles
including retail trading, training and team leadership,
and investment sales. In the spring of 2013, she joined
Jax Wealth Advisors as Office Manager and later acquired
her Financial Paraplanner Qualified Professional™
designation to further assist with clients and financial
planning.
H. Connor Little
Financial Planning Assoc
Connor began his financial services career at
Northwestern Mutual as a financial intern earning his
Florida Life and Health insurance license while attending
college in 2017. He joined Jax Wealth Advisors later that
year. As a Financial Planning Assistant, Connor has
earned both his Series 7 and Series 66 securities
registrations currently held with LPL Financial. He
graduated from the University of North Florida (UNF) with
a Bachelor's degree in Financial Services. Connor has
completed the educational requirements to be eligible for
the comprehensive CFP® Certification Exam and is
currently working toward fulfilling his work experience
requirements.
In his time away from Jax Wealth Advisors, Connor enjoys
volunteering with the Down Syndrome Association of
Jacksonville and is a big supporter of his hometown
Jacksonville Jaguars.
General Information |
| Firm Start Year: | 2003 | |
| No.of Employees: | 2-4 | |
| Insurance License#: | A156601 |
| Name of Broker/Dealer: | LPL Financial |
| Name of Custodial Firm: | LPL Financial |
| States Licensed in: | Securities Registrations held with LPL Financial, The LPL Financial representative associated with this website may discuss and/or transact securities business only with residents of the following states: AL CA CO CT FL GA KY MD MS OK OR SC TN VA |
| Number of Years with Current Firm: | 16 |
| Work Experience: | Over 20 years of comprehensive Financial Planning and Investment Management experience, including all areas of financial planning. Past President of the North Florida Financial Planning Association. Past adjunct professor, instructing all areas of the CFP® program. |
| Work with the following types of clients: | Businesses, Non-Profit Organizations, Individual Investors |
| Advisory Services Provided: | Financial Planning for Businesses, Financial Advice & Consulting, Annuities, Financial Planning for Individuals, Retirement Planning, Education Funding and Planning, Money Management, Portfolio Management, Wealth Management, Insurance Planning, Tax Advice and Services, Estate Planning & Trusts |
Services |
| Investment Types: | Insurance, Stocks, Mutual Funds, Bonds, Alternative Investments, Exchange Traded Funds (ETFs), Annuities, Socially Responsible Investments (SRI) |
| Can meet clients in the following ways: | Video Conference, Our Office, Via Phone, Your Office |
Qualifications & Memberships |
| Insurance and Annuity Licenses: | Variable Life, Variable Annuity, Annuity, Disability, Life, Long Term Care |
| Financial Organization Memberships: | Financial Planning Association (FPA) |
Compensation and Fees |
| Fee Structure: | Fee-Based |
| Minimum Portfolio Size for New Managed Accounts: | $250K |
| Fee % Based on Assets: | .55 - 1.15 |
Education |
| Bachelors of Business Administration - Business Administration |
University of Memphis - Memphis, Tennessee
September 1982-December 1986 |
| Bachelors of Business Administration - Finance Management |
University of Arkansas - Fayetteville, Arkansas
May 1995-May 1998 |
| Masters of Business Administration - Business Administration and International Business |
Nova Southeast University - Ft. Lauderdale, Florida
September 1991-December 1993 |
| CERTIFIED FINANCIAL PLANNER ™ Practitioner - Financial Planning |
College for Financial Planning - Denver, Colorado
September 1995- September 1997 |
| Financial Paraplanner Qualified™ Professional - Financial Planning |
College of Financial Planning - Denver, Colorado
September 2013- April 2014 |
| Bachelors of Business Administration - Financial Services |
University of North Florida - Jacksonville, Florida
January 2014-April 2018 |
Financial Services |
Financial Advice & ConsultingAs a team of certified financial planners and financial paraplanners with over 30 years of combined financial experience the majority of our business is providing ongoing, detailed investment, retirement, and income planning and advice through customized financial plans. |
Financial Planning for IndividualsThe focus of our business is providing financial, retirement, and income planning advice to families and individuals. With an extensive combined experience, we look forward to designing individual plans for each of our clients to help them work towards achieving their goals. Each plan is regularly reviewed during annual client meetings or more frequently as determined due to individual circumstances. |
Financial Planning for BusinessesWe offer access to 401K and Defined Benefit programs for small businesses to help both employers and employees work towards reaching their retirement goals. We offer help with the design and implementation of these plans so the small business, highly compensated employees can maximize their contributions to the company's qualified plans. |
Portfolio ManagementOur portfolio management starts with a "win by not losing or not losing much" philosophy. We understand the importance of having a sophisticated methodology of matching client risk to investment goals. Our comprehensive platform utilizes quantitative statistical analysis with common sense planning. Our proprietary 3 step process utilizes dozens of performance filters and analytics that have been developed over the past 18 years. To learn more, peruse our strategy brochure available upon request. |
Retirement PlanningWe offer comprehensive, detailed retirement plans to all of our clients in a way that allows our clients to virtually see all of their assets and their planning goals integrated into one financial plan that's customized and updated every day so the client can extensively monitor where they are in achieving their retirement goals. We provide advice to determine the most appropriate option when determining what to do with a client's 401K plan assets. These assets are integrated into a client's financial plan and implemented along with all of the other assets they may have to pursue their lifetime goals. |
Insurance PlanningWe sit down with each of our clients and look through their risk management needs to help determine if insurance is a specific need at every stage of their life. If an insurance product is needed to help protect the clients, we go through the advantages and disadvantages of several types of insurance products to help them understand what may help benefit them. |
AnnuitiesAlthough annuities are not a primary area of money management in our practice, we do understand that some specific situations require a transfer of risk to a third party to reach a specific investment income or retirement goal. We will look at this situation with the client and help them understand the pros and cons of purchasing an annuity to protect their income needs. |
Estate Planning & TrustsWe understand the value of having a good quality estate plan in place for all of our clients. We work with several quality estate planning attorneys in our area to help create plans with our clients to help protect and transfer their assets in the most efficient way possible. We understand the use of trust is sometimes needed to help offset probate and protect clients from specific business situations. |
Tax Advice and ServicesTax planning is crucial in helping clients achieve their retirement goals. We offer tax managed portfolios inside our practice and have a very good working relationship with several CPAs in the area to help our clients mitigate their tax liability. |
Education Funding and PlanningWe offer 529 plans and other education funding tools to help our clients fund college for their children or grandchildren. |
Investment Advice & ManagementMarkets don't move in a linear or predictable fashion. Instead, they shift in relation to economic conditions and market forces that can trend for extended periods of time. Our approach starts with the strategy designed for your personal risk number upon which we build an investment model that adjusts according to market trends. You may request our brochure which details the sophisticated methodology of matching client risk to investment strategies, which are reviewed daily and updated as often as quarterly, and then integrated into an encompassing financial plan. |
Wealth ManagementOur Wealth Management advice is comprehensive and includes utilization of investments, financial planning plans, CPAs, attorneys, to help manage, preserve and transfer our client's wealth. We offer an online solution so our clients can see all of their assets in one place that is updated intraday to monitor their retirement and planning goals progress. |
Risk managementWe sit down with each of our clients and look through their risk management needs to help determine if insurance is a specific need at every stage of their life. If an insurance product is needed to help protect the clients, we go through the advantages and disadvantages of several types of insurance products to help them understand what may help benefit them. |
Money ManagementOur portfolio management starts with a "win by not losing or not losing much" philosophy. Market risk is real and we have found that many investors are actually taking on more risk than they realize. Our software calculates your current risk exposure and how much you could lose in a down market. We utilize an analytical portfolio risk management process to identify dangerous market patterns that automatically trigger exits to manage the risks to our client's assets in time of extreme volatility but still participate in new opportunities that may appear during positive market trends. |
Faqs |
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Why should I choose you as my financial advisor? We have been practicing as investment advisor representatives and financial planners for a combined 30 plus years. Education includes BBA in Business, MBA, CERTIFIED FINANCIAL PLANNER™ practitioner and Financial Paraplanner Qualified Professional™ practitioner. Lee has served as President of the Financial Planning Association in North Florida and has served as an adjunct-professor teaching the CFP® program. |
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What are your qualifications? What is your education background? Our planning approach is holistic and serves as one guiding principle, "win by not losing, or not losing much." Our slogan "Strategy Based | Process Driven" embraces our financial planning principle as guided by the risk-managed strategy built upon the structured proactive investment process. |
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How do you charge for your services? Full service financial planning providing holistic financial advice, including investment, risk management, financial planning, and estate planning services. |
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How are you compensated? How will I pay for your services? We currently manage about 90 families. Our practice is limited to no more than 120 families. |
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If you are going to manage my account, will you obtain my permission every time you buy or sell something? You will be working with both a CERTIFIED FINANCIAL PLANNER™ professional and a Financial Paraplanner Qualified Professional™ practitioner. |
Disclosures |
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LPL ADV 2A https://www.lpl.com/content/dam/lpl-www/documents/disclosures/A58.pdf LPL WiserAdvisor Cash Solicitor Disclosure |
Disclaimer |
| Securities and Advisory services offered through LPL Financial. A Registered Investment Advisor. Member FINRA/SIPC. www.FINRA.org : www.SIPC.org. LPL Financial is not affiliated with WiserAdvisor.com |
Registered Representative:
Yes
Investment Advisor Representative:
Yes
Acknowledged fiduciary:
Yes
Compliance Disclosures in Last 5 years:
Have a clean record
Criminal Disclosures in Last 5 years:
Have a clean record
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Mon. | 8:00 AM - 5:00 PM |
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Tue. | 8:00 AM - 5:00 PM |
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Wed. | 8:00 AM - 5:00 PM |
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Thu. | 8:00 AM - 5:00 PM |
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Fri. | 8:00 AM - 4:00 PM |
| Atlantic Beach | Fernandina Beach |
| Green Cove Springs | Jacksonville |
| Jacksonville Beach | Middleburg |
| Neptune Beach | Orange Park |
| Ponte Vedra Beach | Saint Augustine |
| Saint Johns | |
President for Financial Planning Association
(12/12/2001)
Award for service as President of Financial Planning Association of North Florida.
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