Jack Brkich III

Retirement, Investing, Lifestage Based Planning
“With over 20 years of experience in the investment world, Jack Brkich can put his experience and the experience of his network of support professionals to work for his clients and help them turn their hopes for the future into goals achieved.”

JMB Financial Managers

Job Title:



Jack Brkich III is the founder of JMB Financial Managers. Combining over twenty years of investment experience with his expertise in personal financial planning, Jack has established himself as a trusted advisor for individuals, couples, families and business owners. As a Certified Financial Planner, he implements advanced planning strategies by using a broad array of wealth creation and preservation techniques.

JMB Financial Managers, Inc. provides customized investment, tax and retirement planning solutions for independent contractors, family owned businesses and owners of small companies (25 employees or less) that do not have the time, skills or desire to handle the day-to-day details of their personal or business finances. As a result, clients are free to spend more time prospecting, networking, and building relationships, leading to higher incomes.

Securities and advisory services offered through Cetera Advisors LLC, member FINRA,SIPC. Cetera is under separate ownership from any other named entity.


MBA, Pepperdine University
BS, Civil Engineering, Santa Clara University

Assets Under Management:

$103 million

CRD Number:


Insurance License:


  • Jack Brkich III, CFP
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August 2017
    Debt, Financial Planning
March 2017
    Estate Planning, End of Life
May 2017
    Retirement Savings, Women & Money
February 2017
    Retirement Plans, Retirement Savings
March 2017
    Estate Planning, Life Insurance, Long-Term Care Insurance, Retirement Plans, Retirement Savings

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    Pensions, 401(k)
What's the difference between a 401(k) and a pension plan?
70% of people found this answer helpful

The single greatest difference between the two plans is the source of contributions:

  • A 401(k) is largely funded by the employee.
  • Pension plans are largely funded by the employer.

Many employees do offer a matching contribution, while some offer a profit sharing contribution to a 401(k); additionally, some pension plans include employee contributions, as do many union labor or government based pension plans.

Other differences include:

  • Maximum employer annual contribution/deduction:
    • Pension plan: determined by actuary
    • 401(k) plan: 25% of covered payroll excluding deferral, if plan specifies


  • Employer contributions required?
    • Pension plan: Yes
    • 401(k) plan: No


  • Employer Contributions discretionary?
    • Pension plan: No
    • 401(k) plan: Yes, top-heavy minimum employer contribution may be required.


  • Voluntary employer matching contributions allowed?
    • Pension plan: N/A
    • 401(k) plan: Yes


  • Maximum participant benefits:
    • Pension plan: Lesser of 100% of compensation or $215,000 annually.
    • 401(k) plan: N/A


  • Maximum participant allocations:
    • Pension plan: N/A
    • 401(k) plan: Lesser of 100% of compensation or $54,000.


  • Catch-up provisions for those age 50 and older:
    • Pension plan: N/A
    • 401(k) plan: $6,000


  • Investments self-directed by participant or can be invested at participant discretion?
    • Pension plan: N/A
    • 401(k) plan: Yes


  • Retirement benefits specified in plan?
    • Pension plan: Yes
    • 401(k) plan: N/A


  • Investment return affects retirement benefits?
    • Pension plan: No
    • 401(k) plan: Yes


  • Benefits guaranteed at retirement?
    • Pension plan: Yes
    • 401(k) plan: No 


Best of luck!

Jack Brkich III, CFP.

April 2017
What is the "stretch IRA" concept?
55% of people found this answer helpful
January 2017
    Financial Planning, 401(k)
Can both a husband and wife contribute to a Safe Harbor 401(k) with a match?
13% of people found this answer helpful
August 2017
    Pensions, Peri-Retirement
Which pension option is the smarter choice?
13% of people found this answer helpful
June 2017
    Personal Finance
What is the difference between risk tolerance and risk capacity?
0% of people found this answer helpful
January 2017