Financial Planning, Investments, Solutions

How We Help You

JFA will help you feel confident about your financial life.

Connect with an Advisor

Call us at 602-242-4000 to speak with an advisor. You can also provide your information below and Phil or Marcus will contact you.

About JFA

Philip O. Johnson, CFP^Ⓡ

President

Phil has been involved in financial services since 1976. Over the years, he has been honored as one of the nation’s best financial advisors and has been featured in USA Today, the Washington Post, Worth, Money Magazine, the Arizona Republic and the Arizona Business Gazette.

Learn more about Phil

Marcus F. Johnson, CFP^Ⓡ

Advisor & Vice President of Investments

A 6th generation Arizonan, Marcus served as President of the Financial Planning Association of Greater Phoenix and has been a financial advisor panelist for the Arizona Republic and local TV and radio stations.

Learn more about Marcus

Independent - As an independent financial services firm, we are focused on your best interests and are not limited to one single product offering.

Fiduciary Standard - As a Registered Investment Advisory (RIA) we act in the best interest of our clients.

Highly Personalized Service - Our clients feel comfortable consulting with us on all financial matters.

Our Locations

Our Office

Tempe, Arizona
Other Valley Wide Meeting Locations

Online or Phone

Skype or a Phone Call

Your Home

We come to you at your home
or any convenient location

Services

Financial Planning

Sound advice and answers

Investment Management

Fully Customized Portfolios

Risk Management

Prepare for the unforeseen

It all begins with a conversation. Call us at 602-242-4000.

Our Menu of Services

Financial Advising

Investment Management

Retirement Planning

Insurance and Risk

Estate and Succession*

Education Planning

Charitable Giving

Tax Planning*

Our Clients

Average Client Tenure

20+ Years

Our clients are

Individuals & Families

Assets We Manage

$130 million

We have clients throughout the United States

Know Where You Stand

Regarding your financial goals

Enjoy Simplicity

From working with a trusted advisor

Focus On What Is Important

We help you identify and achieve workable goals

Working with a JFA advisor may help you

Avoid costly mistakes

when selecting investments, considering loans, or making any significant financial decisions.

Help you work towards goals

such as college educations for children and grandchildren, support for charitable organizations, etc.

Create a specific
plan of action

to fund your retirement
and ensure you don't
outlive your money.

Assess your
needs

such as insurance, reducing taxes, and making sure you have proper estate planning tools in place.

Become a client

STEP ONE: Give us a call

Call 602-242-4000 to speak with an advisor to learn more about our services and to see if we're a good fit.

STEP TWO: Come in for a No-Obligation appointment

This is our opportunity to get to know you and your financial life. We will answer any questions you have and explain the services we offer and the costs associated.

STEP THREE: Become a Client

Once you decide you would like to move forward, we will begin planning and preparing your investments immediately.

It all begins with a conversation. Call us at 602-242-4000.

Sign up for our Weekly Newsletter

Connect with an Advisor

Call us at 602-242-4000 to speak with an advisor. You can also provide your information below and Phil or Marcus will contact you.

Common & Popular

Frequent Questions

Why is financial planning important?

Creating a financial plan helps you see the big picture and set long and short-term life goals, a crucial step in mapping out your financial future. When you have a financial plan, it's easier to make financial decisions and stay on track to meet your goals.

Some people decide to do their own financial planning, but you may want to seek help from a Certified Financial Planner™ professional if you:

Want to better manage your finances, but aren't sure where to start
Don't have time to do your own financial planning
Want a professional opinion about the plan you've developed
Don't have sufficient expertise in certain areas such as investments, insurance, taxes or retirement planning
Have an immediate need or unexpected life event

Why work with a Family practice?

How do you charge?

Investments – We are a fee-based practice. The fee is taken directly from the account and is based on a percentage of the account. Fees and charges are agreed upon in advance.

Financial Planning - This is a retainer fee for all planning/advice services rendered—usually for a year. Fees are based on the assets and complexity involved. This includes all meetings, phone-calls, and access to Phil and Marcus and staff as often as needed.

What is a CFP?

What is your ideal client?

We seek clients that want to build a long-term relationship and are committed to a team approach in working toward your financial goals.

We work with individuals and families who have:

Accumulated assets
Significant savers
Appreciate professional advice
Would like us to coordinate with other professionals, such as their tax preparer, accountant or estate planning attorney. We can also provide referrals for those services.

What does JFA look like 10 years from now?

What value does a financial advisor provide?

Financial planning is a collaborative relationship where both the client and the advisor work together. As financial planners, Phil and Marcus help individuals and families identify their objectives, define their dreams, develop a plan to help them get there, and then track their progress along the way. Not only are they a "financial coaches," but they work with other specialists as needed to make sure that all financial areas are coordinated and monitored.

Working with an advisor may help you:

Avoid costly mistakes when selecting investments, considering loans, or making any significant financial decisions.
Help you work towards goals such as college educations for children and grandchildren, support for charitable organizations, etc.
Create a specific plan of action to fund your retirement and ensure you don't outlive your money.
Assess your needs such as insurance, reducing your taxes, and making sure you have the proper estate planning tools in place.

What are my responsibilities as a client?

Responsibilities of the Client

Provide honest and complete data.
Consider goals and prioritize them.
Commit to a financial plan of action.
Carefully read all contracts and statements.
Understand that all investments involve risk.
Report changes in your personal situation to your advisor.
Review with your advisor on an annual (or as needed) basis.

Responsibilities of the Advisor

Assess all data to know a client's situation.
Determine the risk tolerance of a client.
Protect and secure all client information.
Disclose all fees for services.
Help client have realistic expectations.
Make recommendations based on client's needs and objectives.
Execute transactions in a timely fashion.
Clearly communicate with the client.

How's my portfolio?

Send us the most recent statement of your investments and we'll be happy to review your portfolio, assess its risk, and compare it with industry benchmarks. We will also offer recommendations for changes that should be considered. (This service is available for total investable assets of $250,000 or more.)

Call us at 602-242-4000 to have a free portfolio review.

Additional Services

Open Brokerage Account

Save for Education

Life Insurance Quote

Long-Term Care Quote

Disability Insurance Quote

Lower Annuity Costs

Create or Update Estate Planning Documents

Call 602-242-4000 for a quote for service

Recent Blog

Credit Card Benefits You May Not Know About

By Marcus F. Johnson, CFPⓇ | July 16, 2019

Most of us know the number one rule for using credit cards is to avoid building up a balance we can’t pay off promptly. What many of us don’t know about credit cards is the number of benefits they often offer (in addition to purchase rewards). Here are some that are common: Extra security: With…

Estate Planning Misconceptions

By Marcus F. Johnson, CFPⓇ | July 1, 2019

Many people postpone creating an estate plan because considering their demise is unsettling. Others make false assumptions that cause them to neglect this important task or make less-than-ideal decisions. Here are a few common misconceptions related to estate planning: Estate planning is for the wealthy. Anyone who owns property or assets, or has loved ones…

Don’t Shred Those Tax Documents Yet

By Marcus F. Johnson, CFPⓇ | April 15, 2019

You’ve completed your taxes for the year and now you’re wondering what to do with that pile of records, 1099s, receipts and bank statements. The experts agree, take the time to organize them and store them in a secure place. You may need to refer to them in the months or even years ahead if…

When to take Social Security benefits retire or late

5 Reasons to Set Up Your Online Social Security Account

By Marcus F. Johnson, CFPⓇ | April 3, 2019

For many of us, Social Security has a part in our financial plans for retirement or later stage of life. Even if you’re years away from applying for benefits, there are some good reasons why you should set up your online Social Security account at www.socialsecurity.gov/myaccount. You can go online to ensure there aren’t any…

Where to live as we age?

By Marcus F. Johnson, CFPⓇ | February 12, 2019

One of the most stressful decisions as you age is whether to stay in your current home or consider other alternatives. According to a survey by AARP, 90 percent of adults age 65 and older want to remain in their current residence as long as possible. The desire to “age in place” is a natural…

Splitting Retirement Plans When Divorcing

By Marcus F. Johnson, CFPⓇ | February 4, 2019

While no one marries with the intention to later separate, if divorce or legal separation is in your future, make sure you understand the implications against retirement savings. If you or your spouse have money in retirement plans, you’ll most likely have to share the assets. It’s important to understand what governs the division of…

how much will I spend on insurance in retirement

Health Care Considerations Before Retiring

By Marcus F. Johnson, CFPⓇ | January 28, 2019

Amid retirement anticipation, it is crucial to take the time to make wise decisions regarding health care coverage. Here are some things to consider at various times. Retiring at any age: While some Medicare Advantage plans cover dental and routine vision services, regular Medicare and Medigap plans don’t. If you’re not planning to buy a…

Year-End Money Moves

By Marcus F. Johnson, CFPⓇ | December 18, 2018

As 2018 winds down, it’s natural to focus on holiday activities. It’s also a great time to calculate your net worth, review your saving and spending for the year, and consider some smart moves to help you reach your financial goals. Here are a few to consider: Rebalance your portfolio. Has a certain class of…

Be Smart about Charitable Giving

By Marcus F. Johnson, CFPⓇ | December 11, 2018

Americans, as a group, are generous—especially during this wonderful holiday season. But they can also become cynical if they feel they have been duped. A recent example is the New Jersey couple who raised hundreds of thousands of dollars for a homeless man on GoFundMe. The feel-good story turned sour when New Jersey prosecutors announced…

Weekly Market Commentary for the week of 2018-11-05

Weekly Market Commentary – 11/12/2018

By Admin | November 13, 2018

For the Week of November 12, 2018 The Markets The three major indexes fell Friday as oil prices dropped 1.0 percent amid a rising global supply and the Federal Reserve appeared on track to raise interest rates next month. Reports from China indicating falling domestic demand and manufacturing activity increased downward pressure. For the week,…

Visit the JFA Blog

Financial Planning, Investments, Solutions

How We Help You

JFA will help you feel confident about your financial life.

Connect with an Advisor

About JFA

Philip O. Johnson, CFP Ⓡ

Marcus F. Johnson, CFP Ⓡ

Independent - As an independent financial services firm, we are focused on your best interests and are not limited to one single product offering.

Fiduciary Standard - As a Registered Investment Advisory (RIA) we act in the best interest of our clients.

Highly Personalized Service - Our clients feel comfortable consulting with us on all financial matters.

Our Locations

Our Office

Online or Phone

Your Home

Services

Financial Planning

Investment Management

Risk Management

It all begins with a conversation. Call us at 602-242-4000.

Our Menu of Services

Our Clients

Average Client Tenure

20+ Years

Our clients are

Individuals & Families

Assets We Manage

$130 million

We have clients throughout the United States

Know Where You Stand

Enjoy Simplicity

Focus On What Is Important

Working with a JFA advisor may help you

Avoid costly mistakes

Help you work towards goals

Create a specificplan of action

Assess yourneeds

Become a client

STEP ONE: Give us a call

Call 602-242-4000 to speak with an advisor to learn more about our services and to see if we're a good fit.

STEP TWO: Come in for a No-Obligation appointment

This is our opportunity to get to know you and your financial life. We will answer any questions you have and explain the services we offer and the costs associated.

STEP THREE: Become a Client

Once you decide you would like to move forward, we will begin planning and preparing your investments immediately.

It all begins with a conversation. Call us at 602-242-4000.

Sign up for our Weekly Newsletter

Connect with an Advisor

Common & Popular

Frequent Questions

How's my portfolio?

Additional Services

Recent Blog

Philip O. Johnson, CFP^Ⓡ

Marcus F. Johnson, CFP^Ⓡ

Create a specific
plan of action

Assess your
needs