The RICP® designation teaches advisers techniques and best practices used to create sustainable streams of retirement income. The education covers retirement income planning, maximizing Social Security and other income sources, minimizing risks to the plan, and managing portfolios during the asset distribution phase. The designation includes three required, college-level courses that represent a total average study time of more than 150 hours. RICP® designees must meet experience, continuing education and ethics requirements. The credential is awarded by The American College, a non-profit educator founded in 1927 and the highest form of academic accreditation.
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Investment Advice
Most people die on the way DOWN from Mount Everest.
Morbid, but true. Reaching the peak of your career is one thing, but navigating the descent toward retirement takes more than savings and spreadsheets. To maintain the life you want to live (now and when you approach retirement) you need strategy, clarity, and a plan that integrates your values, protects your time, and supports the future you’re intentionally building.
PLANNING
Financial Planning + Strategy
We’ll work together to create a clear and strategic financial plan that supports what you value most and adapts as your life evolves.
Whether you're growing what you’ve built or protecting it for what’s next, we’ll make sure your money works with the life you actually want to live.
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RETIREMENT
Wealth Management + Retirement Planning
If retirement is on the horizon, now is the time to get clear. In these next few years, the decisions you make will shape the life you get to live after work.
We’ll take a thoughtful look at what you’ve built, what you need, and what matters most then create a strategy that protects your time, your lifestyle, and your future.
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BUSINESS
Business Solutions
Your business isn’t separate from your life – it’s a big part of it. We’ll look at the full picture: your goals, your values, and where you want both your business and life to go next.
From goal projection and needs analysis to valuation, exit strategies, and hands-on implementation, you’ll have clarity and purpose at every stage.
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Keeping you on course.
A simple 5-point process will ensure your goals are met in the most effective, confident way possible.
CLARITY
Planning starts with getting to know you, your lifestyle, and your goals. My team and I will address concerns, answer questions, and identify your future financial objectives.
ORGANIZATION
A disorganized plan diminishes your chances of success. That's why we'll coordinate all of your accounts, documents, and money flow through our wealth portal.
REPORTING
To chart your course, we need to understand where you currently are. We'll review financial statements, investment allocations, and retirement income projections.
IMPLEMENTATION
Once we're ready to take action, we'll work together to implement the steps laid out in your financial plan.
ACCOUNTABILITY
Onward, we'll monitor accounts, make necessary changes to your plan, expand policies, and more to ensure you can adapt to changing circumstances and are optimizing your financial standing.
Alignment at every step.
Clear guidance requires clear compensation. Barjes' fees are fully transparent, client-paid, and structured to support ongoing advice.
Insurance Planning
Focus on protecting income, assets, and family outcomes through life, disability, long-term care, and annuity solutions integrated into your broader financial plan. We evaluate carriers, structures, and coverage amounts to ensure suitability and coordination with goals.
No fee
Compensation paid directly by insurance carrier.
Wealth Management + Financial Planning
Get a clear, coordinated strategy across cash flow, investments, retirement income, taxes, insurance, and estate considerations — so every decision works together. Engagements may be one-time or ongoing, depending on complexity and the level of support required.
Starting at $3000
For foundational planning only, ranges to $6500+ for advanced.
Investment Management
For clients who choose to delegate portfolio management, we design, implement, and monitor investment strategies aligned to your goals, risk tolerance, and time horizon. This includes portfolio construction, rebalancing, tax-aware reviews, and ongoing oversight.
Starting at 1.35%
Asset-based, declines as assets grow.
Barjes is a Cornerstone Planning Group advisor, operating independently while supported by a fiduciary, advisor-owned RIA.
Licenses + Designations
+RICP® Retirement Income Certified Professional
+LUTCF® Life Underwriter Training Council
Since 1984, the LUTCF® Designation Program has been considered the first designation any insurance professional should earn. When an agent or advisor earns the LUTCF® designation, they gain fundamental, yet critical prospecting, selling, and practice-management skills, along with a thorough working knowledge of life and multi-line products and services.
The curriculum integrates four practice specialties – life insurance and annuities, health and employee benefits, multi-line, and financial advising and investments – providing both an overview of each but also addressing their interdependencies, which are critical for agents and advisors to understand when advising clients. Topics cover real-life issues from multigenerational homes to single-parent households and special needs planning.
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The curriculum integrates four practice specialties – life insurance and annuities, health and employee benefits, multi-line, and financial advising and investments – providing both an overview of each but also addressing their interdependencies, which are critical for agents and advisors to understand when advising clients. Topics cover real-life issues from multigenerational homes to single-parent households and special needs planning.
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+CLTC Certification in Long-Term Care
The Certification in Long-Term Care (CLTC) designation was created in 1999. It focuses on the discipline of extended care planning. It provides professionals the critical tools necessary to discuss the subject of longevity and its consequences on their client's family and finances. Students learn how to mitigate these consequences by developing a plan to protect their clients and their families.
The CLTC designation has been recognized and supported by The American College, NAIFA and major insurance carriers.
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The CLTC designation has been recognized and supported by The American College, NAIFA and major insurance carriers.
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+LACP Life and Annuity Certified Professional
Certification in the Life and Annuity Certified Professional (LACP) Program governed by the NAIFA Certification Commission is intended primarily to be a benefit to the public, in selecting or employing members of the insurance and financial advisor profession, as well as a benefit to members of the insurance and financial advisor profession itself, in providing benchmarking and criteria for the services those professionals provide to the public.
The purpose of the Commission is to develop and govern the Program, including the process through which qualified insurance and financial professionals can apply for and receive certification, with that process being valid, credible, and transparent according to standards outlined in the Commission's Charter and accreditation standards accepted in the certification industry.
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The purpose of the Commission is to develop and govern the Program, including the process through which qualified insurance and financial professionals can apply for and receive certification, with that process being valid, credible, and transparent according to standards outlined in the Commission's Charter and accreditation standards accepted in the certification industry.
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+Licenses
- Series 65
- Life and Health Insurance
Frequently Asked Questions
+What services do you provide?
We provide comprehensive financial planning, investment management, and insurance planning. Our role is to help you protect what you've built, grow with intention, and make confident decisions—not just today, but for years and generations ahead.
+How are you different from other financial advisors?
We operate by appointment and run a lifestyle-based practice, not a traditional Monday–Friday, 9–5 office. This structure allows us to be intentional with our time and fully present with clients, rather than rushing meetings or fitting conversations into rigid schedules.
Because we've built a full support team, you don't just get access to me—you also benefit from regular interaction with experienced team members who help manage planning, service, and follow-through. This team-based approach allows us to deliver a high level of care while staying responsive and consistent.
Because we've built a full support team, you don't just get access to me—you also benefit from regular interaction with experienced team members who help manage planning, service, and follow-through. This team-based approach allows us to deliver a high level of care while staying responsive and consistent.
+Who is a good fit to work with your firm?
We work best with families and professionals new to money who want clarity, structure, and a trusted long-term partner.
We intentionally operate as a mid-sized firm. We are not a large corporate institution, which allows us to remain flexible, personable, and highly responsive—while still offering the systems, expertise, and depth typically associated with much larger firms.
We intentionally operate as a mid-sized firm. We are not a large corporate institution, which allows us to remain flexible, personable, and highly responsive—while still offering the systems, expertise, and depth typically associated with much larger firms.
+What does the financial planning process look like?
Our process is structured but adaptable. We start by understanding your full financial picture, then build and stress-test strategies around real-life scenarios. From there, we help implement recommendations and stay involved as your life and priorities evolve.
+How are fees structured?
Fees vary based on the scope and complexity of work:
- Financial planning is typically a one-time or annual fee.
- Investment management is charged as a percentage of assets we manage.
- Insurance planning does not have a separate planning fee; compensation is built into the product if implemented.
+Do I need to move all my accounts to work with you?
No. Some clients work with us strictly for planning or insurance guidance, while others choose to consolidate assets for simplicity and coordination. We only recommend changes if they improve clarity, efficiency, or outcomes.
+How often will we meet?
Most clients meet with us once or twice per year in a formal setting, with ongoing communication throughout the year. As life events arise—career changes, family milestones, or major decisions—we connect as needed.
+How do you approach investing?
We use disciplined, globally diversified portfolios designed around your time horizon, cash-flow needs, and risk tolerance—not short-term market predictions. The focus is on steady progress, cost control, and alignment with your financial plan.
+How does insurance fit into the plan?
Insurance is about protection, not performance. We focus on protecting income, covering liabilities, and ensuring your family's financial security—using strong, highly rated carriers and reviewing coverage regularly.
+How do you work with my CPA or attorney?
With your permission, we collaborate directly with your CPA, attorney, or other professionals. Our role is to help align financial, tax, and legal decisions so everything works together seamlessly.
+How do I access my financial plan online?
Your financial plan is available through our secure wealth management portal powered by eMoney. You can access your plan anytime at:
https://wealth.emaplan.com/ema/ria/anglefifth
Once onboarding is complete, you'll receive an email invitation to create your login. Inside the portal, you can view your net worth, cash flow, planning scenarios, and key documents—all in one place.
https://wealth.emaplan.com/ema/ria/anglefifth
Once onboarding is complete, you'll receive an email invitation to create your login. Inside the portal, you can view your net worth, cash flow, planning scenarios, and key documents—all in one place.
+How do I access my investment accounts?
Your investment accounts are held at Charles Schwab, one of the largest independent custodians in the industry. You can access your accounts directly at:
https://client.schwab.com
Schwab will send instructions to set up your secure login. If you need help at any point, our team is happy to assist.
https://client.schwab.com
Schwab will send instructions to set up your secure login. If you need help at any point, our team is happy to assist.
+What happens if my situation changes?
Life changes—and that's expected. Whether it's a new job, business opportunity, inheritance, or unexpected challenge, we revisit your plan and adjust strategies so your decisions stay intentional and aligned with what matters most.
+Is this a long-term relationship?
From time to time, we take on defined planning projects for specific decisions or transitions. That said, our primary focus is building long-term, collaborative partnerships with our clients. We do our best work when we can evolve alongside you and guide decisions over time—not just transactions.
+How do referrals work?
If someone important to you could benefit from clarity and thoughtful guidance, we're always happy to have a conversation. Thoughtful introductions are the highest compliment we receive.
