We are dedicated to helping individuals and small businesses achieve their financial goals.

 

ABOUT

CMJ Financial was started by Chuck Whitley. He has been involved in financial services since 1997. Chuck has his Series 6, 63, 65 and 26.

CMJ Financial Group has assisted clients in developing over $40 Million in investment accounts. The team is dedicated to helping individuals and small businesses achieve their financial goals. Our experiences and financial insights are shared with you to help you address critical questions about investing. In addition, we work with you to identify an investment plan and select investment strategies that can help you accumulate assets, preserve assets through risk management, and distribute retirement income.

 

Why We Do It

Our mission is focused on getting to know and understand your needs, wants, and long-term goals. Our passion is to help you develop and implement an investment plan that’s designed to address your individual situation. Our energy, commitment, and efforts are focused on you, the client, and your satisfaction.

Chuck Whitley:
Phone: 205-482-8228
Email: Cwhitley@primerica.com

Retirement: Putting Together A Plan

 

At CMJ Financial Group, we are committed to helping our clients plan for retirement. Clients often express to us concerns about maintaining their standard of living, ensuring longevity of assets and providing for beneficiaries. By focusing on the key areas discussed below, CMJ Financial Group will assist you with creating an investment portfolio designed to address common retirement concerns.

Sources of Income

It’s important to look at all sources of income when developing a retirement plan.

  • Social Security payments
  • Defined benefit pension or pensions
  • Withdrawals from savings and or from defined contribution pensions like 401(k)s or IRAs
  • Distributions from annuities
  • Other sources, such as part-time employment, royalties or rental income 

Timing

Savings rates, asset allocation, sequence-of-returns risk and social security elections all play a part in determining when is the right time to retire. While no one can predict when is the best time to retire, we will help you understand and evaluate these factors so that you can select the timing that is appropriate for you.

Spending Rules

Together we will review your spending needs during retirement. From there, we will consider your sources of income and help you determine whether your investments are aligned with your needs. Where appropriate we will recommend investment strategies that balance your income needs with your risk tolerance and other goals.

Longevity

How long do you need your money to last? For some, the answer could be 30 years or more after retirement. Will it last that long? While we can’t predict the future, we will educate you regarding factors that impact longevity, such as investment performance, asset allocation and withdrawals, and we will help you select investment strategies designed to meet your longevity goals.

Risk Mitigation

Managing risk is important to the success of any investment plan. CMJ Financial Group can offer you strategies that implement risk mitigation through asset allocation, investment style, and asset class selection. Our investment offerings include asset preservation and distribution strategies that can help you navigate volatility and market fluctuations throughout your investing life cycle.

Personalized Service (Approach)

CMJ Financial Group strives to maintain an open and direct dialogue with you. Our goal is to guide you through your investment journey and, as your needs change, assist you with making adjustments to your investment plan.

BEST IN CLASS INVESTMENT SOLUTIONS OFFERED THROUGH PFS INVESTMENTS INC.

Mutual Funds

  • AB
  • American Century Investments
  • American Funds
  • Amundi Pioneer
  • Fidelity Advisors
  • Franklin Templeton Investments
  • Invesco
  • Legg Mason
  • MFS
  • Putnam

Annuities

  • AIG
  • Brighthouse Financial
  • Equitable
  • Lincoln Financial

529 Plans

  • American Funds
  • Fidelity Advisors
  • Franklin Templeton Investments
  • Legg Mason

 

401(k) Plans

  • American Funds
  • CUNA
  • Equitable
  • Fidelity Advisors
  • Voya
  • July Services Managed Account 401k Launch and Liberty
  • July Services Cash Balance Plans

LIFETIME INVESTMENT PLATFORM OFFERING

Our Advisors

 

Lance Yarbrough:
Series 6, 63, 65, and 26
In 2003, Lance Yarbrough joined the team. He lives in Southeast Alabama and services clients throughout the US. Lance works to identify his client’s financial goals and connect them with the appropriate investment solutions.

Phone: 334.477.3874
Email: lyarbrough@primerica.com

Joe (Bubba) Gibson:
Series 6, 63, 65, and 26
In 2016, after 23 years in the corporate world, Bubba joined the CMJ team. He uses his experience with Fortune 100 companies and his years of leadership in client service to address client’s financial needs. He is located in the Auburn, Alabama area and services clients throughout the U.S.

Phone: 256.620.2153
Email: jgibsonjr@primerica.com

Jeff Milne:
Series 6, 63, 65
In 2017, Jeff came to the team from Prudential Financial. Prior to entering financial services, Jeff finished a stellar career as a Commander in the US Navy. Jeff applies his understanding of the financial markets to help clients understand the appropriate portfolio strategy that will help them meet their goals. He is located in Texas and services clients throughout the US.

Phone: 205.209.2522
Email: jeffreysmilne@primerica.com

Manny Zubia:
Series 6, 63, 65
Manny joined us in 2017. Prior to entering financial services, Manny finished a stellar career in the U.S. Air Force. Manny applies his understanding of the financial markets to help meet client’s financial needs. He is located in Metro Atlanta and services clients throughout the US.

Phone: 720.202.4222
Email: mzubia@primerica.com

Bob Mitchell:
Series 6, 63, 65
Bob joined us in 2004. Bob is former Superintendent of Hoover Schools and the former Founder of Odyssey Child Development. Bob enjoys teaching others about financial markets and working with clients to meet their goals.

Phone: 205.568.5909
Email: cmitchell@primerica.com

Client Service

 

(Left to Right) Adam Whitley; Morgan Choat; Will Choat

At CMJ Financial Group we take pride in servicing our clients. Will, Morgan and Adam lead our client servicing efforts and ensure that we are always available to address your needs. We believe in having the most open and active communication possible. This enables us to assure that you are on track for your goals and objectives and we are responsive for any questions or concerns you have.

The individuals identified as CMJ Financial Group are affiliated with Primerica, and offer products and services through Primerica subsidiaries, including Primerica Life Insurance Company and PFS Investments Inc.

A financial advisor’s ability to offer products and services is restricted based on the licenses held by the advisor, and the states in which the advisor is registered. Not all financial advisors are authorized to sell all products and services in all states. For additional information about an advisor, including licenses and state registrations, please visit www.BrokerCheck.com.

PFS Investments Inc. is a registered broker-dealer and is a member of FINRA and SIPC. PFS Investments Inc. is an SEC-registered investment adviser doing business as Primerica Advisors.

Securities are offered by PFS Investments Inc., 1 Primerica Parkway, Duluth, Georgia 30099-0001. Fixed index annuities are offered by Primerica Financial Services, LLC, an affiliate of PFS Investments Inc. Primerica Financial Services, LLC and PFS Investments Inc. are both subsidiaries of Primerica, Inc.

Investors should carefully consider the investment objectives, risks, charges, fees and expenses of any mutual fund before investing. This and other important information can be found in the fund’s prospectus and, if available, the summary prospectus. Please read the prospectus and, if available, the summary prospectus carefully before investing.

The Lifetime Investment Platform is an advisory program sponsored by Primerica Advisors. For information about the Primerica Advisors, please ask your advisor for a copy of the Lifetime Investment Platform Form ADV Part 2A Appendix 1 wrap fee program brochure. Primerica Advisors is the trade name under which PFS Investments Inc. conducts its investment advisory business.