| Financial Planning & Investment Services
A truly independent platform for financial advisors with the freedom to choose and the superior servicing to build your business.
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Financial Planning & Investment Services

Strong Platform. Flexible Options.

Our firm offers a comprehensive approach to your wealth management business. We focus on building a strong platform with flexible options for you and your client. With hundreds of millions of assets currently under management and advisement, we have the size to provide scale and cost efficiencies, yet are small enough to allow you to maintain client intimacy and the ability to provide custom, life-relative solutions.


Advisors need consistent support and cutting-edge strategies to compete in this ever changing market. Our team of specialists have the knowledge and experience to complement your current business model while opening new opportunities to gain access to new clients.

Customized Investment Planning


We provide an expanded platform managed by a team of committed and experienced professionals. BCJ provides unique portfolios designed to actively manage risk/return metrics to increase client success. We offer both traditional strategic allocations as well as models that are more actively managed tactically and are more unconstrained. Some advisors just adopt our models. Others use these models to integrate with their own core strategies. We also provide ongoing market commentary, written in house and distributed to advisors, clients and on our blog. We host a monthly update call for all advisors on our platform.

We have worked with some of the leading names in the investment business like BlackRock® and Ned Davis Research to develop a unique set of model portfolios for advisors to use. We continually develop our offerings based upon the needs of advisors and clients. We follow a rigid process of evaluating risks and strategies that have evidence illustrating their superior and unique success.

We do not just build portfolios based upon wholesaler’s perks like lunches, golf or swag. We develop strategies based upon a strict scientific method of building, testing and continually reevaluating those strategies to make sure that they do exactly what we expect them to do. Using a blend of fundamental and technical analysis, our team of experts designs our model portfolios with client success in mind in the most efficient manner we can deliver the model. We also provide you with the tools to build your own models outside of our offerings using Adhesion’s SMA database.

By continuing to develop and evaluate our processes, BCJ is able to offer world class management using liquid ETFs and funds. Through our partnerships with custodians like Charles Schwab, TD Ameritrade and Adhesion, we can deliver institutional levels of sophistication to high net worth client, institutions and every day investors. Our infrastructure and techniques enable us to manage portfolios and models daily so that we are never surprised by managers.

You will find a simple and efficient investment process that you can adopt and mold to your unique business. We offer multiple styles, strategies and support to make you successful as a wealth manager. You will have access to technology to help give you guidance, materials to help you explain as well as access to reporting that provides you with performance and account level detail, simplifying the process for both you and your client.


BCJ 401(k) Services

NextLevel(k) is our flexible and comprehensive service option for 401(k) services. Driven by robust technology, systems and services our program gives advisors the unique ability to help create successful retirement plan outcomes for both plan sponsors and participants.


Our service model is a comprehensive offering and provides advisors with everything from plan design, benchmarking and investment advice, to TDF suitability, fiduciary compliance and support for participant outcomes.


Our program is unique because allows you to receive and provide streamlined servicing. From prospecting and marketing, to design, implementation and plan maintenance – we are here as your 401(k) team. In addition, our platform provides freedom of choice for plan sponsors that are comfortable developing their own allocations, while also offering solutions for the majority of participants that need additional guidance – including, in some cases, access to specific BCJ Models.


  • 3(38) Investment Management option – BCJ serves as the discretionary advisor role, assuming fiduciary status
  • Institutionally-priced funds for professionally constructed and managed investment models and/or target date fund access
  • Independent open architecture providers allowing for more flexibility within plan construction
  • Industry-leading tools for investment analysis, including fi360 Methodoloy

About BCJ

At BCJ, we believe in a combination of fundamental investment analysis combined with a quantitative approach. We focus on the goal of providing the best of asset allocation, along with active risk management, to achieve greater returns in times of market expansion. We seek to provide real and active risk management to dramatically reduce downside risk during the painful and extreme downturns of the market.


To do this we have partnered with BlackRock® and, for a unique strategy, Ned Davis Research. BCJ uses these two sources to bring unique risk management along with tremendous performance that has proven to be consistent and statistically relevant. This is especially true for clients that seek consistency of returns along with low cost and complete transparency.

The BCJ Investment Platform is built to support the individual advisor’s ability to customize solutions for the client’s goals while relieving advisors of the responsibilities of model creation, management and trading. The firm’s approach is not to have a fixed, firm level solution, but to create a number of internal strategic and tactical models, as well provide access to outside SMA programs that the advisor can blend together to create the proper investment portfolio within the context of the client’s goals. Based on partnerships with industry leaders like BlackRock®, and along with customized and unique strategies designed and maintained exclusively at BCJ, we offer advisors the opportunity to set themselves apart as leaders in asset management.

Investment Management Resources

Digital Advisor Solution

Access a dynamic digital solution for tax-efficient, automated portfolio management. The Betterment digital solution is a leading solution that eliminates the time you would spend on rebalancing, paperwork, and billing.


Meet your clients’ individualized needs through a variety of flexible ETF-based portfolios. These strategies range in focus, including target-income generation, smart beta, and social responsibly investing options – all built by trusted managers such as Vanguard, BlackRock and Betterment.


In addition, you are able to manage this business through the intuitive Betterment dashboard, giving you views of client information and portfolios.

Risk Assessment Tools

Uncover your client’s unique risk capacity and tolerance preferences.
Easily demonstrate how you can provide matched investment recommendations that are perfectly aligned with their investment goals.

OnPointe Risk Analyzer’s robust risk-engine simplifies measuring and
communicating both personal and portfolio investment risk.

It’s simple! Clients complete the risk questionnaire. You show clients how your portfolio recommendations are exactly what they need to manage risk and meet their goals.


Riskalyze is transforming the industry by empowering advisors to capture a quantitative measurement of client risk tolerance. This tool assists advisors in quantifying suitability and meeting client expectations.

Since Riskalyze has been integrated with M.Desk (the BCJ proposal system), we have created a streamlined process for our advisors, allowing you to run your client’s risk number directly through the M.Desk system and produce a high-quality report reflecting their portfolio in relation to their Risk Number.


In addition, we are able to integrate your client-facing Risk Assessment tool into your BCJ email signature, and we provide marketing content directing clients and prospects to your Risk Assessment link.


Financial Planning Systems

This financial planning system help you make better recommendations and track your client’s financial plan on a daily basis. It allows you to provide your clients with a personalized website to help them organize their finances into one location, where they can:

View their assets and liabilities Securely store their important documents in their eVault

Review their investments and net worth Track their spending

Access reports and balance sheets Create budgets


On the advisor side, we give you access to BCJ branded eMoney marketing videos. We also provide extensive digital content built around the eMoney system, to help you market your holistic financial planning tool within your practice.

In addition, eMoney can be integrated into your Wealth Focus lead generation program and website.


An alternative to eMoney, you can harness the industry’s first integrated financial and tax planning solution featuring tax projections and tax-efficient distribution strategies. The suite of tools within Right Capital include Social Security optimization, sequence of return risk, stress testing, budgeting, cash flows, and more.
Right Capital can also be integrated into your Wealth Focus lead generation program and website.


Research Partners

Since 1980, Ned Davis Research (NDR) has been a leading independent research firm due to its objective analysis through quantitative methods. NDR relies on a scientific framework to develop, test, and implement its indicator models. They use a 360° approach, which combines macro, fundamental, technical, and behavioral information.


Since the early 2000’s NDR has partnered with various firms to bring investment models and signals to the market.  BCJ has partnered with NDR finance to develop tactical models for an active management strategy.

Morningstar is a world-renowned provider of independent investment research to investors around the world. It offers a line of internet, software and print-based products for individual investors, financial advisors and institutional clients. BCJ Advisors utilize Morningstar to help analyze and construct client portfolios with consistent, dependable investment information.


Our proprietary proposal system, M.Desk, is integrated with Morningstar® data and pulls this information to create pre-built, blended or customized models within the system.


Additional Morningstar® Tools

Advisor Workstation

This web-based investment planning platform contains capabilities for research, portfolio analysis, and sales presentations. Advisor Workstation makes sharing insight with clients and prospects easy with compelling, FINRA-reviewed reports.


Implementation Partner

Adhesion serves as a delivery hub for BCJ Models and Third Party Managers. They implement flexible and sophisticated portfolio solutions, as well as enable the delivery of multi-manager investment programs to clients. In order to fully service the advisor, Adhesion provides turnkey asset allocation and manager selection  services as well as handle all of the billing, trading and reporting.

This partnership allows for BCJ to continue to provide case design and management. Moreover, the system will be supported with dedicated implementation specialists as well as a support and training team.


In addition to the support and training within Adhesion, BCJ provides a comprehensive overview and training module within our Advisor Intranet to learn more about how we work with Adhesion, how to create custom models, and how to access performance reporting for both advisors and their clients.


Start your journey with BCJ.