Janet Grace Beers Attard

Personal Finance, Retirement, Investing
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“Jan's mission and life passion is to empower knowledge about the markets; teens, millennials, everyone. Jan enriches relationships collaboratively, grows wealth long term, strives to enhance personal freedom; to inspire dreams, hopes & aspirations. ”
Firm:

J. Oliver Maxwell, LLC

Job Title:

Chief Investment Officer

Biography:

Jan Attard is founder of J. Oliver Maxwell, LLC an Independent, Fee Only, Registered Investment Advisor offering clients investment and financial planning services. Jan oversees all aspects of J. Oliver Maxwell's investment and portfolio management process with over 20 years of experience in the investment field. The firm seeks the trust and respect of each client. We acquire knowledge about individual client's goals and objectives. We formulate an action plan that is modeled for long term growth utilizing investment research, portfolio management, asset allocation, trading decisions, trade execution, risk management, and collaborative communication to achieve the best results.

Jan began her career with UBS Financial Services in San Francisco, California as Vice President, Wealth Management. Jan served as Executive Vice President and Portfolio Manager at Roundhill Securities, Alamo, California.  Jan works dynamically with New York Life and Guardian Life Insurance Companies and J. Rockcliff Realty, Danville, California to empower clients with diverse ways to attain financial independence. Management of client assets is an honor and a privilege not a right. Jan works diligently to personalize each portfolio presentation while providing superior service, experience and expertise with a smile. Jan is passionate about her work and it shows in the execution and results she attains for her clients. Each client and each account are exceptionally important. There is always an opportunity for improvement, Jan continues to improve self and aims to improve the lives of all clients.

Jan received her Bachelor of Science from Georgetown University in 1978,  M.B.A. from Ashford University in 2010, CMT Certification at Golden Gate University, San Francisco 2001. Jan received Series 7, 63, 65 and Insurance licenses while a Broker at UBS Paine Webber, San Francisco. Jan is on target to complete her CFP.  Jan completed 1st year law school at Concord Law School, Los Angeles, California. Jan continues her education of the markets and market activity both fundamental and technically on a continual basis. Learning never stops, Jan shares this passionately with students and clients.

Philanthropy is very important. Jan gives back to the community she serves by empowering  millennials with money management concepts. Jan is an active Docent to the Blackhawk Auto Museum, the Wheelchair Museum and the CASA organization in the Bay Area. Jan mentors teens and millennials with seminars on financial independence, the stock market and fundamental and technical analysis.

Jan is passionate about family, community, landscape design and architecture having created a farm reserve on eleven acres of farm land north of Napa California Wine Country she named after an orphanage in Ukraine that serves infants and young children with AIDs. Jan has transformed the land from 11 acres of weeds into a magical  oasis, developing the land, creating the landscape design and inviting in guests for financial seminars and gourmet farm dinners to honor clients. Jan enjoys the success of each client who displays the discipline, focus and determination to reach financial goals and attain financial independence. The care that goes into mentoring and supporting and educating financial concepts to empower greatness is my passion.

Jan is honored to answer any and all questions you may have now or in the future. We look forward to meeting with you to allow you to share your questions, allowing us to collaboratively tailor a plan for long term growth of assets.

 

Thank you! I am honored to assist you....

Jan Attard, MBA, RIA, CMT Certification

www.jolivermaxwell.com

tele. # 925-876-1377

 

Education:

MBA, Ashford University
CMT, Golden Gate University
Series 7, Series 63, Series 65, NASD
#01182973, Realtor, J. Rockcliff Realty

Fee Structure:

Fixed
Author: Tunnel Vision, a focused life (Empower Your Money)

CRD Number:

155656

Insurance License:

#0C94026

Disclaimer:

All written content on this site is for information purposes only. Opinions expressed therein are solely those of Jan Attard, Principal, J. Oliver Maxwell, LLC. Material presented is believed to be from reliable resources and we make no representations as to its accuracy or completeness. Fee only financial planning and investment advisory services are offered through J. Oliver Maxwell, LLC, a registered investment advisory firm in the state of California. Investing money in the equity and bond markets, mutual funds and ETFs may involve risk resulting in loss of capital.  Past performance is no guarantee of future results.  Each investor should be diligent to research any investment to make sure it is suitable with investment objectives, risk tolerance, risk profile, liquidity considerations, tax situation, and any other feature pertinent to your financial situation. The presence of this web site or any information presented on the internet 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.


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    Financial Planning, Asset Allocation
What is a recommended amount to keep in our emergency fund?
100% of people found this answer helpful

Dear Young 27, Married, Steady jobs, $150,000 joint income, Wanting to establish an emergency fund,

 

Congratulations to you both on your recent Marriage! Bravo for sharing a wonderful commitment!

You are thinking ahead, developing a financial conscious mindset, saving an emergency fund- fabulous. 

 

FINANCIAL SAFETY FOR EMERGENCIES

An emergency fund will save you in case of all 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. This is what life is about. Unfortunate but true. No one else is going to plan for it but you. 

 

PEACE OF MIND- STATE OF MIND

Though you are young, yes, 27 is wonderfully young, this is the perfect time.

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 for you and your spouse. Start now to compete with yourself, for the benefit of both of you, to create an expectation long term.

Make your plan a visual plan. Also write the plan on paper.  Dedicate yourself and your partner to amass a one year safety net of funds between you and your partner. This long term process will result in a design involving fabulous bonding and trust between the two of you to create like purposes of financial security rather than not coming together financially and living a life of mixed purposes often leading to marital discord about money.

Dedicate yourself to have conversation(s), gain understanding of a strategy to save long term for emergencies and financial independence. This mind set of mental strength shared between a husband and a wife is golden. You will both be on the same page about financial expectations now and going forward. This is blissful.

SECURITY OF AN EMERGENCY FUND

An emergency fund must be safe and secure. Emergency money is not to be utilized whimsically, not "easily accessible" by either one of you. Safety and security is key.  

Place funds in an account not utilzed by you on a regular basis so you or your husband will not draw from the funds. You both know the funds are present in an account but neither one of you can touch the funds, scouts honor. 

You and your husband must share such immense trust, total belief and an oath of confidence to keep the monies safe no matter what purchase either one of you "has to have" over time. 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 once you tie the knot and continue ongoing in a long term relationship for success throughout the lifetime of the family, home and stability for generations to come.

FUNDING AN EMERGENCY FUND

The quantity of funds between the two of you as couple should be equal to one year combined income. The amount of funds can vary however it is always best to have in reality more than less money available to you.

LOCATION OF EMERGENCY FUNDS

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. 

STRATEGY & FORMULA FOR SUCCESS

Be Creative; develop strategies to form an emergency investment fund to include ways for you and your husband to work together 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. Sharing responsibility of chores may form a tight bond between you and your husband benefitting you long term. 

Another 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.

PEACE OF MIND

Whatever strategy you take as a couple, the process though difficult will assist you to gain greater peace of mind with each and every amount of money you are able to put away. Over time, you become stronger as an individual and as a couple. 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! 

A LIFE OF INVESTING FOR THE FUTURE

Whatever investment funds you create; long term funds with value strategies or active short term strategies with individual stock selections, a mindset of saving is key toward the attainment of financial independence.

 

Good luck to the both of you as you make your way together in life! 

All the best to you with your recent marriage!

I am honored to answer your question.

Please send additional questions...

 

Sincerely,

Jan

 

Jan Attard, MBA, RIA, CMT Certificate

J. Oliver Maxwell, LLC

www.jolivermaxwell.com

tele. # 925-876-1377

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I am a college student that's new to investing; what is the best platform to begin investing $100 per month?
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