<#-- Rebranding: Header Logo--> <#-- Rebranding: Footer Logo-->

Jan Attard

Financial Advisor, Insurance, MBA, Realtor
Personal Finance, Retirement, Investing

J. Oliver Maxwell, LLC

Job Title:

Chief Investment Officer


J. Oliver Maxwell, LLC is an  Independent, Fee Only, Registered Investment Advisory Firm offering Investment-Financial Planning-Mentoring Consulting advice to empower each individual investor with the necessary tools and mindset to achieve Financial Independence. Despite life challenges,  set backs and personal adversities, all clients are  capable to create a sound investment plan based on knowledge of the markets, organized automation of finances, debt elimination and asset allocation to build a financial portfolio which will span generations. We work with you one on one to manage accounts based on risk tolerance, time line and sound financial objectives. It is your plan, we act as Fiduciary to take direction and insight from you, collaborating with you to create a visual reality and automated plan starting today to attain financial wellbeing and security good for your "health".

Jan began her career at UBS in San Francisco, California as Vice President, Wealth Management and Estate Planning.  Jan served as Executive Vice President Portfolio Manager at Round Hill Securities, Alamo, California.  Jan created J. Oliver Maxwell, LLC where she is financial advisor to assist investors to reach financial goals through deliberate planning for the long term. Jan listens to client goals and aspirations, timeline, risk tolerance. Jan personalizes each investment portfolio to suit individual needs, family goals, growth of a small winery and or a corporate venture start up. 

Jan cares to empower, teach, guide and mentor knowledge of the financial markets, awareness to manage assets long term. You must build knowledge and awareness before you can accumulate assets. Jan advocates investors to explore autobiographies of great investors, study great companies to learn about company fundamentals. Before one can participate in the market, one must have a grounding in corporate profitability.

Jan is a Financial Advisor who mentors  the awareness of the financial markets, encouraging and mentoring the elimination of debt and strategic saving strategies  Jan authored "Tunnel Vision, a focused life" encouraging all investors to achieve financial goals to become financially independent Her motivational book "Tunnel Vision, a focused life will change the way you think about money and transform your thoughts into action.  Anyone is capable of attaining personal freedom from debt, set a plan and "do it" now.  One must make a personal commitment to put yourself first, stop over spending and start automation of savings regularly and systematically with a goal in mind.  Visualize the process from debt elimination to wealth accumulation. Jan is with you routing for you every step of the way.

Jan received her Bachelor of Science from Georgetown University 1978,  M.B.A. from Ashford University 2010,  Stock Market Analysis Certification at Golden Gate University, San Francisco 2001. Jan received Series 7, 63, 65 and Insurance licenses as a Broker at UBS Paine Webber, San Francisco. Jan possess a California Real Estate License #01182973 and has completed the first of four years at Concord Law School, Los Angeles, CA.

Jan cares about others empowering each client mentoring discipline to achieve long term money management.  Each client is fabulous example of Jan's success. Each client has within them the power to achieve financial independence and long term financial success. 

We look forward to assisting you attain financial freedom through hard work, focused dedication to a secure future!  

No one said the road would be easy, nothing fabulous is!

We strive to provide analysis of your financial roadmap.

All the best with your financial future,


Jan Attard, MBA

 J. Oliver Maxwell, LLC

Registered Investment Advisory



Technical Market Analysis

Fundamental Market Analysis

tele. # 925-876-1377




Bachelor of Science, Georgetown University
Technical Market Analysis, Golden Gate University
First Year, Concord Law School
MBA/Finance, Ashford University

Fee Structure:

Tunnel Vision, a focused life
Turn Cash into a Stock Portfolio (linked in)
Create a Diverse Stock Portfolio (linked in)

CRD Number:


Insurance License:



J. Oliver Maxwell, LLC is a Registered Investment Advisory Firm regulated by the State of California in accordance and compliance with applicable securities laws and regulations. Jan Attard does not render or offer to render personalized investment advice through this newsletter forum. The information provided herein is for informational purposes only and does not constitute financial, investment or legal advice. Investment advice can only be rendered after delivery of the Firm’s disclosure statement (Form ADV Part II) and execution of an investment advisory agreement between the client and Jan Attard. 

J. Oliver Maxwell, LLC offers fee only financial planning and investment advisory services a registered investment advisory firm. Investing money in equity, bond markets, mutual funds, ETFs, INDEX's and Real Estate may involve risk resulting in the loss of capital.  Past performance is no guarantee of future results.  Each investor must be diligent to research each investment to make sure it is suitable based on individual risk tolerance, individual investment objectives, liquidity considerations, tax situation, and features pertinent to an individual, family and/or business  financial situation.

The presence of this web site and any information presented on the internet via this forum shall in no direct or indirect way be construed or interpreted as a solicitation to sell or offer to sell investment advisory services to any residents of any state other than the state of California or where otherwise legally permitted.

We are legally empowered to provide investment advisory services to residents of California.

All Answers
Sort By:
Most Helpful
    Banking, Financial Planning, Retirement, ETFs, IRAs
Where should I put my savings to accrue the most interest?
100% of people found this answer helpful

Dear should I put $10,000 in CDs and the remaining $6,000 in a money market account?

Or should I be doing something else completely, like putting the $10,000 in an ETF?

Congratulations to you for paying off student loans! Congratulations for opening an IRA and a 401k account.

You have set the stage for a fine financial future by opening an IRA and a 401K account at your place of work. You express concern your savings account of $16,000 ia not accruing interest, and you would like to see your accounts yeild better returns.


Whatever investment funds you create; long term funds with value and growth strategies or short term strategies with individual stock selections, a mindset of saving is key toward the attainment of financial independence. CD or Money Market accounts for a 26 year old are safe but will not yield returns you demand.

Your course of action at 26 years old is to start now, by carefully and cautiously choose a seasoned financial mentor, dare to seek knowledge, to plan, to read, learn and patiently construct a wealth plan of action which involves focus, commitment and dedication over time to the very best and most promising funds and individual stock selections. You must be comfortable with the plan. You must personally know and acknowledge the plan and not leave the plan to someone else. Because you are 26, time is on your side. Today, $10,000 invested in a high yielding ETF, Index and or Mutual Fund compound over thirty to fourty years will get you higher interest rate accrual than you would yield in a CD account by far. For an Index Account or ETF based on the S&P Sector the average annualized return over a ten year period is approximately 10% annualized. For a CD account or money market account far less. This is your choice.

Remember, this plan is fixed over time. You are blessed with lots of time on your side so do your home work and invest for yield. You may see market fluxuations over time but remember that all good stocks fluxuate, a natural phenomenon. 

With what you have shared thus far, you have what it takes to reach financial indenpendence. Best of Luck.


Before you max out a strategy to become financially independent and save utilizing the IRA and the 401K accounts there are manditory steps to be taken to get you mentally, educationally and responsibly ready.

Develope a financial conscious mindset. Develop this mind set and be sturdy and firm in this quest.

An emergency fund will save you in case of emergencies; events unexpected, necessary and urgent expenses though events that must be planned for regardless. Differentiate this fund from any and all cost of living expenses. An emergency fund is separate from a source of money to save for a home, money for school, money for food and clothing. Such money must be allocated for emergencies only; things that happen in life, not expected but they happen unfortunately; sudden loss of income, sudden illness, something you must do for a family member or friend, a tragedy or disaster does happen. Unfortunate, No one else is going to plan for your emergencies but you. 

26 is wonderfully young!, this is the perfect time to plan, save and pattern behavior. Formulate a mindset today, think about saving, investing, budgeting, emergency planning and long term budgeting which will include an emergency fund (inquisitive & focused mindset required). Force yourself now to visualize the long term. Start now to compete with yourself to create an expectation long term.

Make your Financial Plan visual. Write your plan on paper.  Dedicate yourself to amass a one year safety net of funds. This long term process will result in a design involving trust to create a purpose of financial security about money and what it is worth long term for your future.

Dedicate yourself to have conversation(s), gain understanding of a strategy to save long term for emergencies. This mind set of mental strength should be strengthened now and ongoing into the future. Learn the financial mindsets of those you share time with make certain you collaborate with like minded individuals so that your plan is strengthened and the focus maintained. A financially fit lifestyle will make a difference in your lifestyle.


An emergency fund must be safe and secure. Emergency money is not to be utilized whimsically, not "easily accessible". Safety and security is key.  Place funds in an account not utilzed by you on a regular basis. If and when the time comes you marry, you must share immense trust, total belief and an oath of confidence to keep monies safe no matter what purchase either one of you "has to have". This oath is key for marital success.

A firm money mindset with a goal for financial independence and a desire for long term security in case of emergencies, key to success.  Communication about funding emergencies, consistent discussions regarding your plans for Financial Independence and funding for emergencies must start now and continue through life.  The Quantity of funds in an Emergency Fund should be equal to one year income. The amount of funds can vary however it is always best to have in reality more than less money available to you. Place funds in a simple checking or money market account.  Money in either of these types of accounts will be free to remove funds quickly and easily versus accounts incurring a tax consequence if withdrawn early. 

A first creative strategy to form an emergency fund is to be creative; develop strategies to form an emergency investment fund to include ways for you to work on projects, tasks you otherwise would have farmed out to other people. Sample tasks (cleaning house or washing cars) save money allowing the emergency fund to grow. 

A second creative strategy is to perform side hustles (Uber, dog walking, caring for children, a barista at Starbucks). Opportunities are out there, pick a passion, make money, translate into a stream of income or an entrepreneurial ability you did not think possible. Make it fun, entrepreneurial, present tense!

A third strategy is to sell things clutter in your life. Be free from encumbrances. Make a strategy, a game. 

See what you can do to rid yourself of clothes, books, belongings, make this an adventure. With the removal of items that were taking up space in your precious life comes time to think of other ways to be creative.

A forth strategy is budget, budget and budget. Youth are forming FI groups (Financial Independence). They are collectively and individually becoming frugal, more aware, vowing to get rid of debt, live simply, on a crusade to become free from expenses, free from debt. This takes discipline, mind control. In the end, great values about money are established, a life of freedom and control, a life knowing you have your emergencies covered.


Whatever strategy you take, the process of frugality and long term money management and control though difficult will assist you to gain greater peace of mind with each and every amount of money you are able to put away.

I stopped Starbucks and an expensive health club membership. I thought I needed both of these things, I was initially crushed to get rid of the expense. Now, after months, I do not miss these things. I replaced spending "habits" with an ability to save $1000 or more each and every month to put to savings. My partner's desire to save and not spend was actually what I needed. I wish we had spoken about money openly.  Be open to change, be open to talk about money!

Plan your long term strategy, form your emergency fund. Take baby steps, reward yourself! 

All the best to you,


Jan Attard, MBA, RIA, Wealth Accumulation Specialist

Technical & Fundamental Market Analysis

J. Oliver Maxwell, LLC



Tele:  #  925-876-1377


October 2018
    Financial Planning, Asset Allocation
What is a recommended amount to keep in our emergency fund?
100% of people found this answer helpful
April 2018
    Banking, Career / Compensation, Debt, Financial Planning, Retirement
What should my bonus money be put toward: car loan, student loan, or savings for house?
100% of people found this answer helpful
September 2018
    Debt, Financial Planning, Retirement, Social Security
Should my husband and I refinance our mortgage and add in our credit card debt and our car loan to have a lower monthly payment in retirement?
100% of people found this answer helpful
September 2018
    Investing, IRAs, Mutual Funds
How do I invest in mutual funds with an IRA?
100% of people found this answer helpful
September 2018