The Rembert Pendleton Jackson Story
Our Mission Statement
To advance families and businesses toward the realization of their financial goals by offering counsel in the areas of:
- Investments
- Retirement planning
- Taxation
- Cash management
- Insurance
- Estate planning
- Business management
- Estate / trust administration
We also seek to advance institutions toward the realization of their financial goals by offering counsel in the areas of:
- Fiduciary Duty
- Asset Allocation
- Investment Selection
- Investment Implementation
Rembert Pendleton Jackson offers a wide range of investment advisory services to individual and institutional investors. Based in Falls Church, Virginia, the firm has been serving individual clients from around the nation's capital and in over 30 states since 1974 and serving non-profit organizations since 1994. The principals also serve as fiduciaries of several trusts and estates. Collectively, the principals have over 85 years experience in providing these services.
The firm's mission is to provide every client with the highest level of individualized service our profession has to offer. We custom tailor our advice because each client has different needs. We provide our clients with recommendations and assistance to meet their unique requirements.
Our clients include individuals, families, corporate executives, business owners, medical professionals, retirees, qualified retirement plans, associations and charitable organizations. We focus our efforts on long-term investment strategies utilizing wealth management techniques. We only advise clients in our capacities as fiduciaries. We manage risks and generate returns within the guidelines set forth by each client.
We Are Fiduciaries
Today, there are many kinds of financial professionals who offer assistance with financial matters. We strongly believe the best way to assist clients is as a fiduciary advisor. The reason is simple and grounded in the law: fiduciary advisors are legally required to put the interests of the client first.
We Are "Fee-Only"
An advisor should be objective. Objectivity requires an absence of conflicts of interest. Rembert Pendleton Jackson believes that objectivity is impaired if the advisor's compensation depends on his or her recommendations. Therefore, we do not receive any compensation other than our client fees. We do not receive commissions, fees, or bonuses from the investment recommendations we make from any third party. Our only compensation is from our clients; our only loyalty is to our clients.
As fee-only advisors, we focus our attention on our client's goals and objectives. We believe our clients know that our recommendations are solely in their best interests and are not designed to generate additional compensation.
The RPJ Investment Philosophy
RPJ's investment philosophy is derived from firmly held beliefs regarding the economic and investment environment and the threats and risks that can hinder returns. Our philosophy is based on three major principles. We believe: (1) wealth is best created through long-term participation in the global capital markets, (2) asset allocation across and within asset classes generates maximum returns for a given level of risk, and (3) minimizing expenses through passive strategies is a prudent course of action. The firm strives to reduce and manage its clients' risk exposure in the capital markets. These are central tenets of Modern and Post-Modern Portfolio Theory.
The RPJ Investment Management & Planning Process
Rembert Pendleton Jackson has a six-step process.
Step 1 – Establish the relationship – A lasting relationship that delivers benefits to all parties is built upon rapport, trust, and mutual respect. RPJ will explain our experience, process and fees to you. We will also endeavor to learn as much as possible about your needs, objectives, priorities, challenges and goals to determine the optimal course of action. The roles and responsibilities of each party will be discussed. RPJ will provide you with a sample of our engagement agreement to establish a clear understanding of the relationship and responsibilities prior to formal execution.
Step 2 – Organize Information – RPJ will collect, analyze and review your financial information based upon our initial meeting and the documents requested in our Document Checklist. We carefully protect this information in accordance with our Privacy Policy. Having a clear and complete picture of your current circumstances will enable us to better identify and prioritize the areas which will require our attention.
Step 3 – Formalize – After the financial-planning services required have been identified and a formal engagement agreement has been executed, a more detailed process begins. At this stage, specific needs are quantified and fully documented. Investment objectives such as time horizon, risk tolerance level, and cash-flow requirements are determined. In short, we establish the basis for creating a plan and making recommendations for action. (Note: for institutional investors, this is generally documented in an Investment Policy Statement.)
Step 4 – Develop and Present a Plan – RPJ will custom tailor a financial plan for you in accordance with the unique needs and circumstances that have been discussed. The plan may address only a single planning area like insurance, retirement planning, or investments. It may also encompass multiple planning areas that will serve as a comprehensive financial plan aimed at meeting your goals. Whatever the scope, each plan will contain realistic recommendations and an explanation of the steps necessary to accomplish that plan.
Step 5 – Implementation – Upon approval of the plan, RPJ will proceed with implementation. This may require the establishment of custodian accounts. It may also require engaging other service providers, such as attorneys and accountants. For investment plans, specific investment vehicles will be acquired in accordance with the approved asset classes and asset allocation strategy.
Step 6 – Monitoring – This last step is also an ongoing part of the process. No client has a set of circumstances that stays static over time. Investing requires a proactive approach to verifying that investment selections are performing as expected, that allocation ranges stay within appropriate boundaries, and that client objectives have not changed. When other service providers are engaged and/or the client takes responsibility for certain actions, RPJ serves as the lead to ensure each required action is completed in a timely fashion and in accordance with the agreed upon plan.