Three page overview of our services, financial planning and investment process, and qualifications.

1.
Founded in 1983, Just Plans Etc is a fee‐only SEC registered investment advisor that that provides planning and
investments for more than 150 clients. Jim Ellman and Barry Mendelson, together, have more than 50 years
experience helping investors grow, manage, and protect their wealth. The firm’s fee‐only compensation model
enables the company to act as a fiduciary and place the interest of the client above all others.
Services:
 Investment Management  Insurance & Risk‐Management Needs
 Retirement Planning Analysis
 Financial Planning  Employee Benefits Analysis
 Education Planning  Home Financing and Mortgage Analysis
 Estate Planning Needs Analysis  Large Purchase Analysis
Investment Approach
Just Plans investment approach is based on the Nobel prize winning economic work of Harry Markowitz (1990),
Merton Miller (1990), William Sharpe (1990), and Daniel Kahneman (2002). We subscribe to “asset allocation”
– prudently investing in a diversified set of asset classes and investments based on the client’s specific risk
tolerances and investment objectives. Investments primarily consist of institutional, low cost, passive, and
boutique mutual funds and ETFs (exchange traded funds).
Our planning and investment process is initially based on three meetings:
THE DISCOVERY MEETING
At our initial meeting, we will conduct a discovery interview. We will look at where you are, where you want to
go and how we can maximize the possibility of getting you there. Prior to the meeting, you’ll have completed
the “Before we meet . . .” section on our website.
What to bring:
 Last two years’ tax returns
 Current bank, mutual fund, brokerage and retirement plan statements
 Current life insurance policies
 Any wills or trusts
 Any other documents that would help us fully understand your financial situation
1399 Ygnacio Valley Road #24, Walnut Creek, CA 94598
925.988.0330 Barry@JustPlans‐Etc.com
www.JustPlans‐Etc.com

2.
THE INVESTMENT PLAN MEETING
At this meeting, we will discuss our plan for your financial future, including specific recommendation for you to
achieve your goals. This plan will form the foundation for all of our work together. Since we are looking for a
life‐long relationship, we encourage you to take the time necessary to be completely comfortable with the plan
prior to taking the next step. Before this meeting, you will have completed the Finametrica questionnaire.
THE MUTUAL COMMITMENT MEETING
At this point, we will be ready to make a mutual decision about whether our firm can add substantial value and
how to proceed. If the decision is made to work together, we will commit to each other to work toward
achieving your goals. Together, we will also execute the documents necessary to put your investment plan in
motion.
What to bring:
 Any questions or concerns you have regarding your investment plan. When you have multiple
investment accounts, it is easy to become overwhelmed with the amount of paperwork you receive.
REGULAR PROGRESS MEETINGS
These meetings, scheduled at intervals convenient to you, give us an opportunity to review any major changes in
your personal or financial situation since our last meeting, and determine if these changes necessitate
adjustments to your investment plan. We will also review your overall progress towards your financial and life
goals.
What to bring:
 Any questions you may have about your progress.
1399 Ygnacio Valley Road #24, Walnut Creek, CA 94598
925.988.0330 Barry@JustPlans‐Etc.com
www.JustPlans‐Etc.com

3.
Fee Schedule
Assets Under Management Annual Fee Rate Minimum/Quarter
$0 to $ 500,000 1.20% $600
$ 500,001 to $1,000,000 1.00% ‐
$1,000,001 to $2,000,000 0.88% ‐
$2,000,001 to $3,000,000 0.72% ‐
over $3,000,000 negotiated ‐
Additionally, services may be provided on a project basis and billed at the rate of $225/hour.
Barry Mendelson, CFP®
Barry is a Financial Advisor with Just Plans Etc. Prior to joining the firm in 2010, Barry was a Vice President with
Charles Schwab & Co. in the company's $245 billion investment management division advising leading
investment advisors, banks, and other financial institutions on investments. During his 15 years in the industry,
Barry held similar positions with the AXA Rosenberg Group, Neuberger Berman, and Franklin Templeton
Investments.
Barry's passion lies in helping people take control of their investments and finances so that they live fuller lives
and pursue their dreams. He is a Certified Financial Planner™ professional, having earned a Certificate in
Financial Planning in 2004 and adheres to the Code of Ethics set forth by the Financial Planning Association
Board of Standards which encompasses: integrity, objectivity, competence, fairness, confidentiality,
professionalism, and diligence.
Born and raised in Northern California, Barry graduated from Campolindo High School in Moraga and earned a
BA degree in Business Economics from U.C. Santa Barbara. He lives in Concord with his wife and their two young
daughters. In their free time, they enjoy being active outdoors and taking frequent trips to Lake Tahoe. Barry is
an accomplished cyclist, mountain biker and skier, and volunteers with the Leukemia & Lymphoma Society and
Rebuilding Together. He founded www.Chairs4Charity.org in 2009 to help Bay Area charities and not‐for‐profits
raise money by providing them unique furniture to auction at fundraisers. Chairs 4 Charity's chairs and benches
are made from salvaged lumber, skis and snowboards.
1399 Ygnacio Valley Road #24, Walnut Creek, CA 94598
925.988.0330 Barry@JustPlans‐Etc.com
www.JustPlans‐Etc.com