Important Disclosure Information

Latest Winter 2018 Quarterly Newsletter This issues includes reflections from Brian Jones, CFP, on recent market volatility as he draws parallels to the most recent Super Bowl. Kevin Donovan, CFA, discusses how market losses can be tough but in general the market produces positive returns. Mark your calendars for our annual Shredding Event on May 18th and read about which documents to keep versus shred. Lastly, we share the recent Washingtonian Magazine article that quoted Jessica Ness, CFP, and her advice for handling children's allowance. January 2018 Audio Update In our first podcast of 2018, join us as David Greene, Kevin Donovan, Jessica Ness and Brian Jones share their thoughts on what worked in 2017, what to expect in the markets in 2018 as well as an update on the new tax bill just passed by Congress. Newsletter & Podcast Archive

Rankings and/or recognition by unaffiliated rating services and/or publications should not be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if CJM Wealth Advisers, Ltd. is engaged, or continues to be engaged, to provide investment advisory services, nor should it be construed as a current or past endorsement of CJM Wealth Advisers, Ltd. by any of its clients. Rankings published by magazines, and others, generally base their selections exclusively on information prepared and/or submitted by the recognized adviser. Rankings are generally limited to participating advisers.

The Company [CJM] has not paid a fee to be eligible for the award designations appearing on this web site. However, as specifically indicated below, the Company has paid fees to the publications/award sponsors in order to be highlighted with a “profile” page in the respective magazine. The Company is unaware of any undisclosed facts that could potentially invalidate the appropriateness of each award designation. The publications/award sponsors do not publish, nor is the Company aware of the percentage of other advisers that received the applicable award. The award may not be representative of any one client’s experience because of the way in which it is granted. The award is absolutely not indicative of the Company’s future performance, or any future performance pertaining to its clients’ investments.

Northern Virginia Magazine (“NOVA”) currently grants its “Top Financial Planners” designation based upon other participating investment advisors’ responses to the following question about their peers: “If you had a close friend or relative who needed financial planning advice, and you could not handle the case yourself, to whom would you refer them?” The specific question that NOVA promulgates in this respect may vary from year-to-year. The Company has applied to NOVA to receive the designation. The Company has not paid a fee to be eligible for the award designation. However, the Company has paid fees to NOVA in order to be highlighted with “profile” pages in the NOVA magazine. This award designation: doesnot emphasize favorable client responses, ignore unfavorable client responses, and is not based upon a statistically invalid sample of client responses because it is not based upon information provided by the Company’s clients. To the best of the Company’s knowledge, NOVA does not provide the award designation if the survey responses are not statistically valid. NOVA is not affiliated or related to the Company in any way.

CNBC LLC, a division of NBC Universal “CNBC” grants its “Top 100 Fee-Only Wealth Management Firms” designation after collecting and analyzing data from the Securities and Exchange Commission, the Financial Industry Regulatory Authority, state regulators and state insurance commissioners. Next, CNBC reviews regulatory databases of the SEC, FINRA, state regulators and state insurance commissioners, and eliminates any firm that any complaints, actions or disclosures from any of the above regulators. The Company did not apply to CNBC to receive the designation. The Company has not paid a fee to be eligible for the award designation. This award designation: does not emphasize favorable client responses, ignore unfavorable client responses, and is not based upon a statistically invalid sample of client responses because it is not based upon information provided by the Company’s clients. CNBC is not affiliated or related to the Company in any way.

Washingtonian Magazine (“Washingtonian”) currently grants its “Washington, DC’s Best Financial Advisers: Fee-Only Financial Planners” designation based upon other participating investment advisors’ responses to the following question about their peers: “Whom would you trust with your own money?” The specific question that Washingtonian promulgates in this respect may vary from year-to-year. Washingtonian also indicates that before granting the award/designation, it: conducted its own research and consulted industry publications; and that “the professionals listed received the strongest recommendations from all sources.” The Company has applied to Washingtonian to receive the designation. The Company has not paid a fee to be eligible for the award designation. However, the Company has paid fees to Washingtonian in order to be highlighted with “profile” pagesin the Washingtonian magazine. This award designation: doesnot emphasize favorable client responses, ignore unfavorable client responses, and is not based upon a statistically invalid sample of client responses because it is not based upon information provided by the Company’s clients. To the best of the Company’s knowledge, Washingtonian does not provide the award designation if the survey responses are not statistically valid. Washingtonian is not affiliated or related to the Company in any way.

The Financial Planning Association grants its “Norma SevernsAward for Leadership (formerly Outstanding Service)” based upon the following factors: “Extraordinary Efforts on behalf or for the benefit of the Local or National FPA or Predecessor Organizations”; “Service performed within last 5 years”; “Current FPA membership”; “FPA Board work,” “Committee work,” and “Chapter Administration”; “Contribution to monthly meetings”; “Contribution to National Retreats”; “Advancing the FPA’s mission statement locally or nationally”; and “Financial Planning Practice Recognition”. The Company has not applied to FPA to receive the designation. The Company has not paid a fee to be eligible for the award designation. This award designation: does not emphasize favorable client responses, ignore unfavorable client responses, and is not based upon a statistically invalid sample of client responses because it is not based upon information provided by the Company’s clients. FPA is not affiliated or related to the Company in any way.