A holistic wealth management ecosystem combining customized financial planning, open-architecture asset allocation, systematic tax harvesting, and multi-generational estate coordination.
“We do not have a proprietary focus. We maintain an open architecture for product and solution access—no product haircuts, and no competition between different areas of the firm.”John Yackel — Chief Wealth Solutions Officer, Janney Montgomery Scott LLC
A comprehensive, goals-based financial planning roadmap backed by Janney's internal teams of JDs, CPAs, CFP® professionals, and specialized pension analysts.
We begin with a deep exploration of your core family values, lifestyle priorities, risk tolerance, and long-term definitions of success.
We engineer a customized roadmap integrating dynamic cash flows, liability management, tax-sensitive investment allocations, and retirement scenarios.
We execute your customized portfolio across Janney's open-architecture platform, implementing asset allocation, insurance protection, and estate titling.
Your financial life is never static. We conduct ongoing reviews and Monte Carlo stress tests, recalibrating strategies as tax legislation or family milestones shift.
Every client relationship benefits from our integrated platform designed to address every facet of your financial life.
Unrestricted access to 100+ vetted institutional managers across 170 separate mandates, 250+ mutual fund families, institutional ETFs, and Janney Capital Management's $3.4B+ discretionary strategies with GIPS-compliant records dating to 1999.
Detailed life-cycle modeling driven by our Plan for More Process™. We evaluate multi-decade cash flows, inflation projections, risk analysis, and healthcare expenditure budgeting to ensure lifetime sustainability.
Discretionary portfolio construction aligning equities, fixed income, and alternative assets to your exact time horizon, tax bracket, and liquidity needs, managed under an unwavering fiduciary standard of care.
Optimizing wealth accumulation strategies across Traditional and Roth IRAs, 401(k) rollovers, SEP-IRAs, and tax-deferred annuities, maximizing tax deferral during your peak earning years.
Disciplined distribution design addressing sequence-of-returns risk, Required Minimum Distributions (RMDs), Social Security optimization, and creating predictable monthly paychecks that cannot be outlived.
Strategic asset location placing taxable, tax-deferred, and tax-exempt instruments (such as Delaware municipal bonds and low-turnover ETFs) in the optimal account vehicles to minimize annual tax drag.
Automated, year-round systematic tax-loss harvesting within multi-manager portfolios. Sets customized capital gains budgets and delivers detailed gain/loss attribution reports to enhance after-tax net returns.
Coordinating with estate attorneys to structure Revocable Living Trusts, Irrevocable Life Insurance Trusts (ILITs), Dynasty Trusts, and Asset Protection Trusts leveraging Delaware's favorable trust laws.
Tax-advantaged education funding using nationwide 529 plans, Coverdell ESAs, and custodial UGMA/UTMA accounts, backed by Janney's proprietary Education Savings Tool on myjanney.com.
A comprehensive second-opinion audit of your external investment portfolios, evaluating hidden fees, risk concentration, asset allocation drift, and alignment with your target retirement horizon.
FDIC-insured cash sweep up to $2,500,000 across partner institutions, Platinum Visa debit cards with reward points and worldwide ATM fee reimbursement, check writing, and securities-based borrowing lines.
Full corporate retirement plan consulting, fiduciary 3(21) and 3(38) investment screening, employee financial wellness seminars, executive deferred compensation, and business succession planning.
We provide clear, transparent counsel on how your accounts are governed, managed, and billed.
| Dimension | Janney Advisory Account | Janney Brokerage Account |
|---|---|---|
| Governing Regulation | Investment Advisers Act of 1940 (SEC Registered Investment Adviser) | Securities Exchange Act of 1934 & SEC Regulation Best Interest (Reg BI) |
| Fiduciary Standard | Formal Fiduciary Duty: Must place client interests ahead of firm interests continuously. | Best interest standard applies specifically at the time of a trade recommendation. |
| Portfolio Oversight | Continuous, discretionary or non-discretionary portfolio monitoring and periodic rebalancing. | No ongoing monitoring; reviews occur episodically or upon client request. |
| Fee Architecture | Clear, annualized asset-based fee calculated quarterly; no trading commissions or ticket charges. | Transaction-based commissions, markups/markdowns, and sales loads per investment traded. |
| Ideal Client Profile | Investors seeking ongoing strategic guidance, active management, and coordinated financial planning. | Self-directed or buy-and-hold investors with infrequent trading activity. |
Schedule your complimentary Financial Refresh with our Delaware team. We will review your current asset allocation, analyze fee structures, and outline a tailored roadmap.
