JSW Financial Planning is a fee-only financial planning firm located in Bourbonnais, Illinois.  We sell nothing except our knowledge and experience and hard work. We believe that you have a right to expect and demand comprehensive and objective financial advice that is not dependant on the sale of a commission based investment or insurance product.

Are investments and insurance things you need? Absolutely, but the advice you receive should not be dependant on buying a product.

While most people associate financial planning with something the wealthy do, financial planning is something for everyone. Real financial planning is much broader and covers many more areas of people’s lives than just investments.  If YOU have questions about things like investing, paying off student loan debts, taking out a second mortgage, paying off credit card debts and improving your credit score, or buying your first home, a fee-only planner is the person with whom you need to speak. 

While brokers can sell you a product and often offer “financial planning”; this is usually just a printout of a bunch of meaningless numbers. Brokers, from my experience, usually do not understand the broader picture of financial planning and generally only gear their recommendations and observations to the sale of commission based products.

At JSW Financial Planning, we provide high-quality financial planning and investment management service for a wide range of clients.  Our clients come from many walks of life and we require no minimum level of assets to work with us. In many cases investments are not the primary focus during the financial planning engagement so asset minimums would be inappropriate in any event. Questions about budgeting, paying off debts or advice on home purchases or refinances are not uncommon.

For those client’s interested in investment advice; we can provide advice on personal investments, 401(k)s, IRAs, pensions, government retirement plans and any other investment vehicle.  When evaluating investment options it is always a good idea to look at all of the investments no matter where they may be located to guard against duplication and use the best funds possible. So, if your question is "how do I allocate my 401(k)" we will ask about other investments and information on your financial goals as well.

As for investments, we believe that mutual funds and/or exchange traded funds provide the best value and best risk and return characteristics.  We use only no-load, load waived and institutional funds that are not available to the general public.  We commonly use funds from well known highly respected families such as Vanguard, T. Rowe Price, Fidelity, Fairholme, Eaton Vance and other families whose funds meet our high requirements.  We believe that our clients benefit from using only the best funds available.

If you are an investment management client or a one-time planning client we always provide high quality objective service using the 6-step financial planning process. Our aim is to help our clients achieve their goals and sleep well for a reasonable price.