Updated:
Java Wealth Planning
Java Wealth Planning was established in Missouri in 2018 as a registered investment advisor focused on delivering comprehensive wealth management to...
Java Wealth Planning
Java Wealth Planning was established in Missouri in 2018 as a registered investment advisor focused on delivering comprehensive wealth management to individuals and high-net-worth families. The firm operates under the RIA regulatory framework, which imposes a fiduciary duty to act in clients' best interests and distinguishes it from broker-dealer models that may face lower standards of care. The practice spans financial planning, portfolio construction, tax optimization, retirement strategy, insurance evaluation and cash-flow management — a bundled offering designed to address the full household balance sheet under one advisory relationship. The firm's investment approach draws on traditional asset-allocation disciplines, structuring client portfolios across public equities, fixed income and cash-equivalent instruments, with the likely inclusion of mutual funds and exchange-traded funds accessible to retail and accredited investors. While specific strategies and vehicle types have not been publicly itemized, the RIA structure suggests a fee-based model grounded in ongoing advisory relationships rather than transactional commissions — the prevailing standard among fiduciary wealth managers serving mass-affluent and high-net-worth households. Geographic focus centers on Missouri, with client-contracting authority tied to the firm's SEC registration footprint. Scale remains undisclosed — Java Wealth Planning does not publicly report assets under advisement or total client households. The absence of a public AUM figure, limited web presence and lack of a LinkedIn company page suggest a deliberately lean practice. In November 2023, the SEC's Division of Examinations spotlighted RIA fee practices and conflicts of interest in its annual priorities report — a regulatory context that shapes compliance obligations for advisors of Java Wealth Planning's size and structure across 2024–2025 cycles. Java Wealth Planning's structural differentiator is its bundled multi-disciplinary model: unlike single-service advisory practices, the firm integrates tax planning, insurance review and cash-flow management alongside portfolio construction. For high-net-worth families in Midwestern markets, this combined architecture can reduce the frictions created when clients must coordinate between separate tax preparers, insurance agents and investment managers. The firm's capacity to scale this offering, or its succession plan for the founding advisor, remains private.
General information
Firm type
Multi Family Office
Year founded
2018
AUM
Undisclosed
Location
Region
North America
Country
United States
City
MO
Corporate office
MO, United States
Sector focus
Frequently asked questions
Is Java Wealth Planning a single-family office or a registered investment advisor?
Java Wealth Planning is structured as a registered investment advisor (RIA), not a single-family office. Multi-family office services to multiple high-net-worth clients operate under the RIA framework and the firm charges advisory fees tied to assets under management, as standard practice. This structure imposes a fiduciary duty — requiring the firm to place client interests ahead of its own — and subjects it to SEC or state-level examination.
What investment services does Java Wealth Planning offer?
The firm provides financial planning, investment portfolio management, tax planning, retirement planning, insurance advisory, and cash-flow management. This integrated model means a single advisory team handles the entire household balance sheet rather than siloing each service. The portfolio-construction methodology is not publicly described but likely includes mutual funds, ETFs, and individual securities appropriate for the client base that high-net-worth households require. (per the firm's official website)
Who are the key investment decision-makers at Java Wealth Planning?
The firm has not publicly disclosed its leadership team, principal advisors, or investment committee structure. Absent a LinkedIn presence or detailed website biographies, the decision-making structure remains private. Advisors at RIAs of this scale typically operate as owner-operators, with the founder serving as chief investment officer and lead advisor.
What is the fee structure for Java Wealth Planning clients?
As an RIA, Java Wealth Planning almost certainly charges fees based on a percentage of assets under advisement, a flat retainer, or an hourly fee — distinct from commission-based broker-dealer models. The exact fee schedule is not publicly posted. The SEC's 2023 examination priorities highlighted fee calculations, undisclosed conflicts, and revenue-sharing arrangements as key areas of regulatory focus for advisory practices of this type.
Where does Java Wealth Planning source its clients?
The firm is headquartered in Missouri and serves individuals and high-net-worth clients, with its geographic focus likely concentrated in the Midwest. Client sourcing likely derives from professional referrals, community relationships, and local-market visibility, consistent with independent advisory practices that do not maintain national marketing campaigns or institutional sales teams.
Does Java Wealth Planning maintain a philanthropic advisory or family-governance practice?
The firm has not publicly disclosed any specialized philanthropic planning, family-governance consulting, or next-generation education programs. Its stated service menu focuses on financial planning, tax, retirement, insurance, and portfolio management. Multi-family office practices serving ultra-high-net-worth families often add these services; Java Wealth Planning's public materials do not indicate they have done so.
What regulatory body oversees Java Wealth Planning?
Java Wealth Planning is regulated as a registered investment advisor, likely by the SEC or the Missouri Securities Division depending on its total assets under management. RIAs are subject to the Investment Advisers Act of 1940, which imposes record-keeping, disclosure, and fiduciary-duty requirements. The firm's Form ADV — filed with regulators and detailing services, fees, conflicts, and disciplinary history — is the best source of updated regulatory information.
Profile maintained by Altss using OSINT (open-source intelligence), regulatory filings, licensed data partners, and verified direct submissions. Read the methodology. Last updated: . Continuous refresh with full update cycles at least every 30 days.
Need institutional-grade insight on family offices?
Altss delivers:
Prefer a guided tour?
We’ll walk you through: