Hello and welcome! I'm Jim, an experienced financial professional committed to assisting you in achieving your financial success. I fully comprehend that financial decisions can bring a mix of excitement and apprehension, often accompanied by a multitude of critical choices. With over two decades of experience, I specialize in personalized strategies aligned with your unique needs and goals.
Integrity is my foundation. I prioritize transparency and ethical conduct, ensuring your best interests are always at the forefront. Your financial well-being is my top priority, and I tailor advice to your specific circumstances.
My approach is comprehensive, covering retirement planning, investment management, college planning, budgeting, tax optimization, and small business succession planning. I'm here to simplify complex concepts and empower you with knowledge.
Independence defines my practice. I'm not bound to specific products or institutions, guaranteeing impartial advice aligned with your goals.
Clients appreciate my ability to connect. My small-town upbringing instilled the value of strong relationships, guiding my understanding of your needs.
Let's sit down and get to know each other. I'm committed to building a trusted and enduring relationship that paves the way for your financial success.
Beyond my work, my wife Amy, an English teacher, and our three childrenParkes, Charlie, and Piperfill my free hours. We share a passion for exploration and adventure, often hiking, visiting parks, or camping, especially in the majestic mountains. Personally, I find solace and inspiration on off-road motorcycle journeys through the Rocky Mountains, connecting with the awe-inspiring beauty of nature.
I hope to meet you soon
Jim
At 360 Financial Planning Group, our mission is to empower individuals and families to achieve their financial aspirations with confidence and clarity. Guided by a commitment to knowledge, integrity, and personalization, we provide a steadfast partnership that brings value beyond measure.
We believe that financial success begins with a foundation of expert knowledge. Our team of dedicated advisors and partners brings years of experience and a deep understanding of intricate financial landscapes to every client relationship.
Integrity is the heart of our practice. We strive to operate with unwavering transparency and ethical conduct, placing our clients' best interests above all else. Through clear communication and individualized advice, we build relationships grounded in mutual respect and confidence.
Our approach is as unique as each individual we serve. We recognize that no two financial journeys are alike, and thus we tailor our financial plans to address the distinct needs and aspirations of every client. By forging a collaborative partnership, we craft comprehensive strategies that encompass every facet of your financial well-being.
With a financial advisor by your side, you gain more than just financial guidance you gain a dedicated advocate for your future. We are committed to guiding you through life's changes, ensuring that your financial plan remains aligned with your evolving goals. Our goal is to provide you with the fortitude that comes from knowing you have a knowledgeable and caring ally, ready to navigate the complexities of finance on your behalf.
At 360 Financial Planning Group, we firmly believe that financial freedom is within reach for everyone. With our expertise, integrity, personalization, and unwavering support, we strive to make that belief a reality for each and every client we have the privilege to serve.
Disclosure: Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profi or protect against loss.
General Information |
| Firm Start Year: | 2015 | |
| No. of Employees: | 2-4 | |
| Insurance License#: | 8033031 |
| Name of Broker/Dealer: | LPL Financial |
| Name of Custodial Firm: | LPL Financial |
| States Licensed in: | AL, AZ, AR, FL, IA, IL, MN, NE, OR, TX, UT, WI |
| Number of Years with Current Firm: | 8 |
| Work with the following types of clients: | Individual Investors, Businesses |
| Advisory Services Provided: | Financial Planning, Insurance Products & Annuities, Investment Advice & Management, Financial Advice & Consulting, Money Management, Risk Management, Education Funding and Planning, Financial Planning for Individuals, Financial Planning for Businesses, Portfolio Management, Wealth Management, 401K Rollovers, Retirement Planning |
Services |
| Investment Types: | Alternative Investments, Exchange Traded Funds (ETFs), Stocks, Bonds, Annuities, Insurance, Mutual Funds, Socially Responsible Investments (SRI) |
| Can meet clients in the following ways: | Your Home, Our Office, Phone, Email, Your Office, Video Conference |
Qualifications & Memberships |
| Insurance and Annuity Licenses: | Variable Life, Long Term Care, Variable Annuity, Life, Health, Annuity, Accident, Casualty, Property, Disability |
Compensation and Fees |
| Fee Structure: | Fee-Based |
| Minimum Portfolio Size for New Managed Accounts: | $100,000 |
| Compensation Methods: | Based on Assets, Hourly, Flat Fee |
| Fee % Based on Assets: | 1.25-0.65% |
| Hourly Rate: | $250.00 |
| Additional Details on Charges: | We offer a wide array of service 360 degrees of Financial advice. Please see www.360fpg.com Services & Fees. |
| Minimum Fee Charged for Managed Accounts: | $1,500.00 |
| Minimum Fee Charged for Hourly Planning Accounts: | $250.00 |
Financial Services |
| Financial Planning for Businesses
Guidance for your business needs: - Cash Flow Planning - Tax Planning and Optimization - Risk Management and Liability Insurance - Succession Planning - Debt Management - Investment and Retirement Planning - Employee Benefit Programs Get comprehensive advisory for $250 per month with a 12-month commitment. |
| Financial Planning for Individuals
Customized solutions combined with Investment management or a la carte; Navigating intricate financial questions and scenarios can be a challenging endeavor, as each clients situation is Unique. We excel at simplifying the complexities by modeling your specific circumstances and offering expert guidance. Starting at just $1,500. * Included with Investment Management for Clients over $500,000 Let us help you find clarity in the financial puzzle that's unique to you. |
| Financial Advice & Consulting
Financial Health & Wellness Subscription My Blocks Financial Health & Wellness tools, Examples: - Education Planning - Retirement Planning - Social Security Planning - Goal Funding Planning $55/month or $600/year. |
| Portfolio Management
Portfolio & Investment Management: Investment Management with a focus on strategic investment strategies, predominantly leveraging cost-effective and tax-efficient Exchange Traded Funds. Management fees range from 0.65% to 1.25%, determined by the size and complexity of your account, with a minimum investment of $1,500. |
| Retirement Planning
Retirement Planning: Revolutionize your retirement strategy with our service: Personalized, Data-Driven Planning, Complete with Actionable Summaries and Comprehensive Reporting. Starting at just $1,500. Included with Investment Management for Clients over $500,000 |
| 401K Rollovers
While Rollovers are very common, before making a blanket recommendation we will review and help you understand your options. If you want help with an account remaining in a 401k we can help with that too! We start with assessing Investment Accounts from another institution or your Employer Sponsored Plan: - Comprehensive Review - Examination of Investment Choices - Portfolio Allocation Analysis - Rebalancing Strategies - Contribution Recommendations Professional consultation: $250 - per hour per account |
| Insurance Planning
Insurance can often seem intricate and daunting. We specialize in assessing your unique risk profile and advising on the appropriate coverage to safeguard the fruits of your hard work. Our comprehensive review spans Life, Property Casualty, and Disability coverage, catering to both personal and commercial needs. A professional evaluation is consistently a prudent choice. Professional consultation: $95 per policy or $400 per household. |
| Education Funding and Planning
College Savings Planning Embarking on the road to financial success begins with a fundamental savings strategy and tailored investment guidance. Professional consultation: $150 - up to 1.5 hours. Data Entry and setup: $90 |
| Investment Advice & Management
Portfolio & Investment Management: Investment Management with a focus on strategic investment strategies, predominantly leveraging cost-effective and tax-efficient Exchange Traded Funds. Management fees range from 0.65% to 1.25%, determined by the size and complexity of your account, with a minimum investment of $1,500. |
| Wealth Management
Portfolio & Investment Management with a focus on strategic investment strategies, predominantly leveraging cost-effective and tax-efficient Exchange Traded Funds (ETFs). Management fees range from 0.65% to 1.25%, determined by the size and complexity of your account, with a minimum investment of $1,500. |
| Risk Management
Insurance can often seem intricate and daunting. We specialize in assessing your unique risk profile and advising on the appropriate coverage to safeguard the fruits of your hard work. Our comprehensive review spans Life, Property Casualty, and Disability coverage, catering to both personal and commercial needs. A professional evaluation is consistently a prudent choice. Professional consultation: $95 per policy or $400 per household. |
| Money Management
Investment Management with a focus on strategic investment strategies, predominantly leveraging cost-effective and tax-efficient Exchange Traded Funds (ETFs). Management fees range from 0.65% to 1.25%, determined by the size and complexity of your account, with a minimum investment of $1,500. |
FAQs |
Do you have a customer satisfaction or refund policy?Per LPL Financial (Our Broker Dealer) policy this is not permitted. |
What are your qualifications? What is your education background?With over two decades of hands-on experience, I bring a wealth of expertise in crafting and executing tailored financial plans. My journey spans 21 years of actively working in the field, where I've successfully developed and implemented financial strategies for a diverse clientele. My clientele ranges from individuals just starting their financial journeys to high-net-worth individuals with assets exceeding $50 million. Throughout my extensive career, I've demonstrated a keen understanding of the unique financial landscapes my clients navigate, providing effective solutions that stand the test of time. I'm passionate about leveraging my practical knowledge to guide clients toward financial success, and I'm excited about the opportunity to bring this wealth of experience to your financial journey. |
How are you compensated? How will I pay for your services?Discover the Value of 360 Financial Planning Group's Compensation Model At 360 FPG, our compensation structure is designed to align with your financial goals and deliver exceptional value. We offer two main avenues for compensation: Fee-for-Service: Engage with us for a standalone financial plan tailored to your unique needs. This option allows you to access our expertise without committing to a long-term arrangement. Tiered Fee Structure: Opt for a comprehensive financial plan coupled with investment management, where our fees are structured on a tiered scale. Depending on the assets under our management, fees range from 0.65% to 1.25%. This flexible approach ensures that you pay in proportion to the level of service and assets involved, providing a transparent and fair compensation model. Embark on a journey towards financial prosperity with 360 FPG. Inquire now to explore how our compensation model can work in tandem with your financial objectives. |
If you are going to manage my account, will you obtain my permission every time you buy or sell something?At our core, we prioritize transparency and collaboration. Rather than seeking permission for each transaction, we operate on a proactive and strategic approach. Our process involves delving into your unique goals and aspirations to gain a comprehensive understanding of what you aim to achieve. Drawing upon our extensive professional expertise, we then recommend the most suitable investment management program tailored specifically to you and your objectives. Before embarking on a relationship, we ensure a thorough discussion where we go over all the program details. It's crucial to us that you fully comprehend and feel confident about the chosen program before we make any moves. This approach not only streamlines the decision-making process but also empowers you with the knowledge and assurance needed to navigate the financial landscape. We invite you to inquire further about our personalized investment management programs, designed to align seamlessly with your financial goals. Yo |
How many clients do you currently manage?I currently oversee the financial well-being of approximately 50 households, which translates to a little over 100 individual accounts. This structure not only allows for a personalized and attentive approach but also ensures that each client receives the dedicated focus required for their unique financial objectives. With a manageable client base, I can offer a level of service that goes beyond mere numbers, fostering strong, individualized relationships that prioritize your financial success. |
Disclosures |
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WiserAdvisor provides referrals to financial professionals of LPL Financial, LLC (LPL). WiserAdvisor is not a current client of LPL for brokerage or advisory services. Financial professionals of LPL pay WiserAdvisor cash compensation for these referrals, which creates the incentive for WiserAdvisor to make these referrals, resulting in a conflict of interest. LPL ADV 2A https://www.lpl.com/content/dam/lpl-www/documents/disclosures/A58.pdf Additional Detailed Disclosures |
Disclaimer |
| James Wilterdink is a registered representative with, and securities and investment advice offered through LPL Financial, a registered investment advisor and broker-dealer (member FINRA/SIPC). 360 Financial Planning Group is a separate entity from LPL Financial. |
Registered Investment Advisor:
Yes
Registered Representative:
Yes
Investment Advisor Representative:
Yes
Acknowledged fiduciary:
Yes
Compliance Disclosures in Last 5 years:
I have a clean record
Criminal Disclosures in Last 5 years:
I have a clean record
| Mon. | 9:00 AM - 5:00 PM |
| Tue. | 9:00 AM - 5:00 PM |
| Wed. | 9:00 AM - 5:00 PM |
| Thu. | 9:00 AM - 5:00 PM |
| Fri. | 9:00 AM - 3:00 PM |
| We serve clients primarily in Iowa, but also have clients in AL, AR, IA, IL, MN, NE, OR, TX, WI |
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