Trust Experience Account Protection Solutions

Since 1978, CJM Wealth Advisers, Ltd. has been a stable and trusted partner for clients to turn to when it comes to all things financial. Every member of CJM Wealth Advisers, Ltd. believes that we have a fiduciary responsibility to our clients. Simply put, this means we put the client's needs above our own needs, always.

CJM Wealth Advisers, Ltd. is a locally owned company. We are not a subsidiary of a larger financial institution, such as a bank or an insurance company. Because we are an independent company, we have the ability to do whatever is in the client's best interest, without any large corporate mandate or interference. We believe this makes us uniquely suited to assist our clients over the course of their lifetime(s). From our deep value approach to managing client assets to working with clients and their attorney to draft estate documents, we believe in being side by side with our clients, every step of the way.

At CJM Wealth Advisers, we believe that competent and ethical financial planning begins with the highest standard possible, the CERTIFIED FINANCIAL PLANNER™ designation. All of the owners as well as a large number of our team at CJM Wealth Advisers are CFP® professionals.

CJM Wealth Advisers, Ltd. has additional expertise on staff with a Certified Public Accountant as well as a Chartered Financial Analyst in house to assist the other members of the CJM Planning Team with specific client needs.

    • Top RIA
    • Norma Severns Award for Leadership - Brian Jones (2011)
    • Norma Severns Award for Leadership - Tracey Baker (2006)
    • Financial Planner of the Year - Timothy Jones (2006)
    • Best Financial Planners - Brian Jones (2010, 2012, 2014, 2016)
    • Best Financial Planners - Timothy Jones (2012, 2014)
    • Best Financial Planners - Tracey Baker (2014, 2016)
    • Best Financial Planners - David Greene (2016)
    • Best Financial Planners - Jessica Ness (2016)
    • Top Financial Planners - Brian Jones (2009, 2010, 2011, 2012, 2013, 2014, 2015, 2016)
    • Top Financial Planners - Timothy Jones (2011, 2012, 2013, 2014, 2015, 2016)
    • Top Financial Planners - David Greene (2011, 2013, 2014, 2015, 2016)
    • Top Financial Planners - Tracey Baker (2013, 2014, 2015, 2016)
    • Top Financial Planners - Jessica Ness (2015, 2016)
    • Top Financial Planners - Parker Trasborg (2015, 2016)

All client accounts are custodied at Pershing LLC. Pershing (member FINRA/NYSE/SIPC), a BNY Mellon company, is a leading global provider of financial business solutions to more than 1,500 institutional and retail financial organizations and independent registered investment advisors who represent approximately 5.5 million active investors.

Pershing has been in business for more than 70 years and custodies more than $1 trillion dollars in assets. BNY Mellon has its roots in The Bank of New York, which was the first bank in the United States. BNY Mellon has more than $26 trillion in assets under custody and administration.

Pershing is a member of the Securities Investor Protection Corporation (SIPC). As a result, investor-owned assets held in custody at Pershing are protected by SIPC, up to $500,000 in value, including $100,000 in cash awaiting reinvestment. For more information visit SIPC's website at www.

In addition, Pershing provides account protection in excess of SIPC limits through Lloyd's of London. The excess insurance policy purchased through Lloyd's of London provides the following excess account protection for assets held in custody with Pershing and its London-based affiliate, Pershing Securities Limited:

  • An aggregate loss limit of $1 billion for eligible securities - over all client accounts.
  • A per-client loss limit of $1.9 million for cash awaiting reinvestment - within the aggregate loss limit of $1 billion.

This provides the highest level of protection available in the industry today. The excess insurance policy purchased through Lloyd's of London does not protect against losses from the rise and fall in the market value of investments. For more information about Lloyd's of London, please visit its website at

At CJM we understand that no two clients are alike and real world problems require practical and timely solutions. The CJM team brings together the best and the brightest in the areas of investment, tax, insurance, financial planning & wealth management to resolve each client’s particular issue(s).

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