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They include 60 high-net-worth individuals and 54 individual clients.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 27 March 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Phillip James Consulting offer?","answer":"Phillip James Consulting provides financial planning, portfolio management for individuals and small businesses, insurance, tax planning, and tax preparation.","source":"Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file; Part 2A brochure, Item 4","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How much does Phillip James Consulting charge?","answer":"Phillip James Consulting charges 0.50%–1.50% a year for its Investment Management. Each asset band is charged at its own rate. The fee is billed in advance, is negotiable and has a $12,500 annual minimum.","source":"PHILLIP JAMES FINANCIAL ADV FIRM BROCHURE, filed 27 March 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Phillip James Consulting use?","answer":"Phillip James Consulting’s separately managed account assets are held at Charles Schwab & Co., Inc. (Omaha, NE), with $173M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 27 March 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Phillip James Consulting have?","answer":"Phillip James Consulting has 2 investment adviser representatives registered with state securities authorities, out of 3 employees, and 2 perform investment advisory functions. None are registered representatives of a broker-dealer or licensed insurance agents.","source":"Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What does Phillip James Consulting invest in?","answer":"At the end of its last fiscal year, Phillip James Consulting’s separately managed accounts held 57% exchange-traded equities, 36% registered funds (mutual funds, ETFs, BDCs), 6% U.S. government and agency bonds and 1% state and local bonds.","source":"Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Who owns Phillip James Consulting?","answer":"Phillip James Consulting’s direct owners are James Sexton (50% to 75%) and Phillip Christenson (50% to 75%).","source":"Form ADV Part 1A, Schedules A and B, filed 27 March 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Phillip James Consulting get paid?","answer":"Phillip James Consulting is paid through a percentage of assets under management and fixed fees. 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