Our comprehensive financial planning process ensures that all aspects of your financial future are addressed.

Risk Tolerance Assessment

An individual's willingness and ability to take on risk is a key component of any investment strategy and asset allocation plan. JMS utilizes a digital, sophisticated risk assessment tool to help us identify each investors' acceptable level of risk and reward with unrivaled accuracy.

Social Security Advice

Social security is very complicated; in fact, there are over 10,000 ways to claim benefits. The truth is you need expert advice to get this critical decision right because you can’t afford to make a mistake. Social Security Administration agents are prohibited from providing you advice, they can only answer your questions and you can only hope the information being provided is accurate.

Our firm can remove the complexities of all the complicated rules and simplify the process for you. Through our use of powerful software coded with each and every rule, we can tell you the exact strategy that will maximize your lifetime benefits and offer a side-by-side comparison of other claiming strategies.

With only a few pieces of information that you give us – and your Social Security number is NOT one of them – you can get a full Social Security analysis and recommendation. It’s a multi-page personalized report that gives a recommended claiming strategy. It educates you, in simple terms, how social security works and how your benefits are calculated. There are graphs and charts that are easy to read. It gives you the ANSWERS you need.

Cash Flow-Based Retirement Planning

In our view, there is no magic number to get you to - and through - retirement. Retirement planning is a complex and fluid process that can have a substantial impact on your lifestyle. There are many moving parts which need to be coordinated in order to provide the comfort you desire during that stage of your life.

At JMS Wealth Services, we take an income-based approach to crafting your unique retirement plan. Through our use of a sophisticated planning tool, we are able to illustrate to our clients a single, holistic view of their financial position.

We analyze many areas, including:

  • Determining income needs and implementing a strategy to meet your objective
  • Optimizing Social Security benefits
  • Sequence of return risk
  • Tax rate risk
  • Calculating and processing required minimum distributions
  • Monitoring of asset mix and overall performance versus benchmarks

As you move toward and through retirement, we help manage the numerous transitions to ensure your plan is on track and you can be confident in your decision making.


Investment Management

JMS Wealth Services believes in building high quality, globally diversified portfolios which are customized to reflect your individual needs and goals. The construction of client investment portfolios begins with understanding what you want to accomplish with your money and evaluating you overall risk tolerance.

Once we determine the broad parameters which dictate the balance within a client’s portfolio, we execute an investment strategy using some combination of three distinct approaches:

  • Income generation through direct ownership of real estate
  • Volatility reduction through our wealth preservation strategy which includes fixed income and alternative investment strategies
  • Long-term growth through our wealth appreciation strategy which is comprised of global equity investments

Private Equity Investing

High net worth investors demand for private investments continues to increase as investors seek to further diversify their portfolio with the goal of earning a higher rate of return than public equity markets have historically delivered. Allocating to private equity can present several challenges for investors including reaching and maintaining a target allocation, long lock-up periods, J-curve effect*, capital calls and achieving true diversification across managers, vintage years, stages, and strategies. The main challenge, however, has been accessing such investments in an efficient manner—until now.

JMS Wealth Services clients have exclusive access to an Evergreen Private Equity Program—a private equity investment with a perpetual life. It is a single investment solution that is thoughtfully designed to address many of the challenges previously mentioned.

The strategy allows the investor to immediately reach their target allocation and provides instant diversification as it invests across multiple entry points including primaries, secondary funds, and direct/co-investments. The fund aims to mitigate J-curve effect by overweighting secondary investments which accelerates capital deployment and subsequent returns to investors. Distributions are paid quarterly based on the underlying Funds’ exits and each investor has the choice of reinvesting their distribution to create an evergreen allocation or elect to receive them to create a self-liquidating portfolio.

The strategy is designed for investors who seek:

  • Superior return potential over public equity investments
  • Immediate exposure to a diversified private equity portfolio in a single investment
  • A private equity investment with the option of a perpetual life

Investor benefits include:

  • Quickly reach and maintain a private equity allocation
  • Enhanced liquidity
  • No capital calls
  • Quarterly distributions

*J-curve effect is defined as the negative impact of higher cash levels during the early years of the investment followed by potential outsized returns as the investment portfolio matures.

Wealth Preservation Strategy

This absolute return-oriented strategy is meant to bring stability to your portfolio. It is designed to participate to the upside when markets are strong but also provide downside protection during periods of market weakness. 

The strategy is best suited for investors who want to earn a reasonable rate of return without all the volatility that comes with investing in the stock market. Our approach seeks to offer a return that is greater than cash and fixed income investments currently provide but less than stocks have the potential to deliver. This low risk strategy can immediately provide valuable diversification benefits to your portfolio and help protect your portfolio during a prolonged market downturn.

Tax Planning

Incorporating the impact of taxes into decision making is an important component of a strong financial plan. Asset location is an extremely important tax consideration; it is a strategy that determines the proper account in which to place investments in order to maximize after-tax returns. Tax-loss harvesting is another important tax strategy designed to minimize current and future tax liabilities. In addition, we work hand in hand with our client’s CPA to ensure decisions are made with a complete understanding of financial circumstances.

Estate Planning

You want to leave a legacy. Whether it involves leaving your heirs as much of your estate as possible or maximizing what you can leave to charity, having the right estate plan is of vital importance. Proper estate planning can:

  • Pass on your estate according to your wishes
  • Ensure financial security for your family during your life and after your death
  • Provide liquidity to cover taxes, debts and expenses
  • Reduce taxes, administrative expenses and transfer delays

We will work with your attorney or can refer you to a trusted attorney within our professional network to develop a strategy and coordinate the execution of it for you.

Portfolio Lending Solutions

JMS Capital Group Wealth Services LLC, through its custodial relationships, is able to offer its clients access to a variety of lending solutions. These offerings afford JMS Capital Group Wealth Services advisors the ability to help manage both sides of our clients' balance sheet and better serve their overall financial needs.

These lending options provide a convenient source of borrowing for personal or business needs, such as major purchases, unexpected expenses, tax obligations or outside investment opportunities. By tapping into these lending services, investors can potentially eliminate additional tax liabilities by keeping their long-term investment strategy in place.

Contact us today to see how you can solve your cash flow needs by leveraging your current investment assets.

Insurance Strategies & Solutions

Life Insurance can be an integral part of the overall planning process but is often either overlooked or sold by someone who does not consider your complete financial picture. At JMS Wealth Services, we walk through the steps necessary to determine if you have adequate coverage for the present and the future. We can also help determine if insurance can be used in a more efficient manner within your overall plan.

Education Planning

As costs for higher education escalate, planning and saving, have become more vital than ever before. We review the available savings vehicles for education, including 529 College Saving Plans and Coverdell Education Savings Accounts, to determine the appropriateness of their inclusion in your education savings plan. It is unlikely college costs will decline, but your anxiety can be lowered with a confident plan of attack.

Charitable Giving

Many have the desire to give back to their community in a meaningful way, but have trouble committing to charity due to concerns over their own financial security. We advise our clients in a variety of areas as they relate to philanthropy including how to not only maximize what they may be able to give from their estate, how to minimize current taxes, and the best ways to be involved in their charitable giving during their lifetime. JMS Wealth Services has strong relationships with and intimate knowledge of local foundations which enables us to educate our clients and assist them in executing their charitable wishes.