Who we serve
Financial planning that accounts for every generation
Families face financial decisions that extend across decades and generations. JAADE Finance coordinates strategies for education funding, estate planning, and long-term wealth stewardship — so every family member's goals are part of a single, coherent plan.
25+
Years average advisor experience
3
Generations served per family on average
100%
Fee-only advisors
Annual
Beneficiary and estate reviews
Our approach
One plan, every generation
Financial planning for a family is not the sum of individual plans. It is a coordinated strategy that considers how each decision — a 529 contribution, a trust structure, a beneficiary designation — affects the whole.
Our advisors work with families to build a unified financial framework. We begin with a comprehensive review of current assets, obligations, and goals across all family members. From there, we construct a plan that addresses both immediate needs and multi-decade objectives.
This is not a set-and-forget arrangement. Your advisor initiates reviews proactively — at minimum annually, and whenever a significant life event warrants reassessment.
Services for families
Coordinated strategies across what matters most
Multi-generational wealth planning
For families building or preserving wealth across generations, we structure portfolio strategies, gifting programs, and governance frameworks. Each generation receives guidance appropriate to their stage and role within the family's financial picture.
529 college savings plans
We evaluate state-specific 529 options, contribution strategies, and financial aid implications. The 2026 annual gift tax exclusion is $19,000 per beneficiary ($38,000 for married couples), with a 5-year front-loading option of up to $95,000. Our advisors model scenarios across multiple children, accounting for different enrollment timelines and projected costs.
Estate planning coordination
We work alongside your estate attorney to ensure your financial plan and estate documents are aligned. This includes trust funding strategies, tax-efficient transfer approaches, and regular reviews of beneficiary designations. JAADE Finance does not provide legal services.
Beneficiary reviews
Outdated beneficiary designations are one of the most common oversights in financial planning. We conduct systematic reviews of all retirement accounts, insurance policies, and transfer-on-death registrations annually — and after every significant life event.
How it works
A structured process for family financial planning
Family discovery meeting
We meet with all relevant family members — together or individually — to understand goals, concerns, and existing financial arrangements.
Comprehensive analysis
Your advisor reviews all accounts, policies, estate documents, and obligations. We identify gaps, redundancies, and misalignments between family members' plans.
Unified plan delivery
We present a coordinated plan addressing education funding, estate structure, portfolio allocation, insurance needs, and tax strategy. Each recommendation includes its rationale and assumptions.
Ongoing proactive partnership
Your advisor reaches out — you do not need to check in. Semi-annual reviews are standard. Interim reviews are triggered by life events.
529 plan details
Education savings: key figures
A 529 plan is a tax-advantaged savings vehicle for education expenses. Contributions grow tax-deferred, and qualified withdrawals are federal tax-free. State tax benefits vary.
| Parameter | 2026 figure | Notes |
|---|---|---|
| Annual gift tax exclusion | $19,000 | Per donor; $38,000 married |
| 5-year front-loading max | $95,000 | Per donor; $190,000 married |
| Lifetime limits (by state) | $235K–$575K | Aggregate per beneficiary |
| Roth IRA rollover (SECURE 2.0) | Up to $35,000 | Lifetime; account open 15+ years |
Figures reflect current federal guidelines and may change. State-specific rules require individual analysis. Consult your tax advisor.
Fee structure
Transparent, fee-only advisory
JAADE Finance advisors are compensated exclusively by client fees. We do not receive commissions, referral payments, or revenue sharing from product providers.
| Household assets | Annual fee |
|---|---|
| Up to $500,000 | 1.00% |
| $500,001–$2,000,000 | 0.85% |
| $2,000,001–$5,000,000 | 0.70% |
| Over $5,000,000 | 0.55% |
Fees billed quarterly in arrears. No minimum contract period. See our full fee disclosure.
What families ask us
How do you coordinate across multiple family members?
Each participating family member has an individual profile. Your advisor maintains visibility across all profiles, identifies overlaps and gaps, and facilitates joint conversations at regular intervals.
When should we start a 529 plan?
The earlier the account is opened, the more time it has to benefit from compounding. Your advisor will model contributions relative to retirement savings and debt reduction priorities.
Do you provide estate planning directly?
No. Estate planning requires legal counsel. We coordinate with your estate attorney to ensure financial plans and estate documents are aligned.
What if our circumstances change significantly?
Your advisor contacts you proactively. For planned changes, we model implications in advance. For unplanned events, we respond within 48 hours.
Your family's financial plan, coordinated
A single conversation with a JAADE Finance advisor can clarify how your family's financial decisions connect. No obligation. No sales pressure.
JAADE Finance does not guarantee investment returns. All investments involve risk, including the possible loss of principal. Past performance is not indicative of future results. This content is for informational purposes only and does not constitute investment, legal, or tax advice. Please consult a qualified financial advisor before making investment decisions. Estate planning coordination is provided in collaboration with your qualified legal counsel; JAADE Finance does not provide legal services. Fee schedules shown are illustrative and may vary. 529 plan contribution limits and tax advantages are subject to change; figures cited reflect 2026 federal guidelines.