What is Your “Why?”
About
Building and maintaining financial freedom
You’ve achieved success and may be focused on the next phase of your life journey. We help high-net-worth families and entrepreneurs build lasting legacies – taking care of themselves, the people they love, the causes they care about and making a difference in the world. We use a comprehensive process to help our clients address each of their five key concerns: making smart decisions about their money, mitigating their taxes, taking care of their heirs, making sure their assets are not unjustly taken and magnifying their charitable gifts. We work with a network of professional advisors to help our clients maximize the probability of achieving everything that is most important to them.
Our Wealth Management Services
Comprehensive Wealth Management Consulting Services for individuals, families, and organizations include, but are not lmited to:
- Investment Management Services including: Investment Policy Statement Review, Asset Allocation, Tax Aware Investing, Investment & Investment Manager Selection
- Estate Planning Strategies
- Charitable & Philanthropic Planning Strategies
- Tax Efficiency Strategies
- Legacy Planning Strategies
- Endowment Investment Consulting & External CIO Services
- Asset Preservation Strategies
- Liability Management Services
- Performance & Planning Reviews
- Annual “Accountant Ready” Tax Packages – 1099s summarized and email-ready
- Capital-Gains Tax Adjustment Strategies
- Coordination with your Estate Attorney, CPA & Other Advisors
- Retirement Planning
- Education Planning
Our Entrepreneur Consulting Services
Consulting Services for Business Owners include, but are not limited to:
- Business Succession Planning*: Family Succession, Internal Succession & External Succession
- Estate Planning Strategies for the Business Owner
- Key Person Planning
- Tax Deferral Strategies
- Retirement Plans for the Entity
- Stock Option, Grants & Restricted Stock Strategies: 10(b)51 Plans, 83(b) Elections, AMT Planning
- Concentrated Position Strategies: Hedging Alternatives, Exchange Strategies, Capital Gains Planning Strategies, Gifting Techniques, Charitable Planning Strategies
- Executive Benefits Analysis
Team
Powered by Partnership
Our Congruent Wealth team includes LPL Financial and New Edge Advisors; we are a Fiduciary offering decades of experience managing assets, building & preserving wealth, and helping clients work towards their life goals.
John Thompson
Private Wealth Advisor / Owner
CIMA®, CPWA®
John has been a Financial Advisor to high-net-worth individuals and families for over 20 years, working with entrepreneurs and families on estate planning & asset protection, selling a business, investing liquidity, tax efficiency strategies, retirement income solutions and other objectives.
In 2008, John attained the Certified Investment Management Analyst® (CIMA®) Certification, administered by the Wharton School of Business at the University of Pennsylvania with the oversight of the Investments & Wealth Institute. This includes investment policy, asset allocation, risk management, tax efficiency, alternative investments, international financial markets, measuring returns on portfolios and due diligence of professional investment managers.
In 2013, John earned the Certified Private Wealth Advisor® (CPWA®) Certification, administered by the Booth School of Business at the University of Chicago and the Investments & Wealth Institute. This includes tax planning, estate planning, asset protection planning, transaction planning, planning for business owners & executives, private equity, and multi-generation wealth education. Among other community service activities, John Served on the City of Jacksonville Retirement (Pension) Reform Special Task Force in 2013-2014, and as co-chairman of the Transition Team Pension Committee for the Mayor of Jacksonville in 2011. John’s involvement in addressing the city’s pension liability crossed party lines and spanned over 4 years and 3 different committees. In 2011, he authored the transition report for the mayor outlining the challenges caused by the city’s pension liabilities and a balanced list of solutions for consideration.
John is a graduate of the University of Florida, a native of Jacksonville, and is a graduate of Darlington School (a boarding student in High School). He met his wife (Renee, also a native) downtown at the YMCA on an elliptical machine after work in 2003 and they married in 2005. The focus of their lives together are their 3 kids and 2 dogs (Buddy a Westie and Teddy a Goldendoodle), and spending family time enjoying Northeast Florida
Miroslav (MJ) Josic
Client Relationship Manager
MJ is a Client Relationship Manager with Congruent Wealth. MJ has a passion for giving clients a great experience focusing on providing high level service, trading and money movement transactions for clients. MJ was a High-Net-Worth Representative at Fidelity for 5 years; serving entrepreneurs, executives, families and individuals. MJ supports the ongoing operation of our family office portal and high-net-worth financial planning platform by managing data for our clients.
Charity Floyd
Administrative Assistant
Marisa Capps
Administrative Assistant
Marisa is part of LPL Business Solutions, a service that provides industry-trained LPL
professionals who can simplify operations and streamline advisors’ practices. She
partners with advisors to provide support on administrative tasks and client management
functions.
Marisa has worked in the financial services industry for 15 years. Prior to joining LPL, she
worked as a transition consultant for Cambridge Investment Research. She joined LPL in
2022 to apply her experience working with advisors in the Admin Solutions Program.
Marisa is originally from Peoria, AZ and has been living in Richland, IA for the past 16
years with her husband. In her spare time, she enjoys spending time with her
German Shepherd, Heidi Michelle, friends and family.
Renee Thompson
Office Manager
A Jacksonville Native, Renee holds an MBA with a concentration in marketing and brings over a decade of experience in marketing to the team. Her focus on communication and client service, along with strong problem-solving and analytics skills help to keep things running smoothly for the entire team. Renee handles HR needs for the office and provides a unique outlook to Congruent’s efforts, having also worked in graphic design for 20 years. When not managing the office, she keeps busy managing three kids and two dogs, doing yoga and playing tennis.
Approach
Congruent Wealth works toward your Financial Freedom
We offer a comprehensive process that begins with a stress test of your current plans to identify meaningful opportunities to advance your interests. We focus on personal goals, financial objectives, family goals, estate or tax planning needs, and your preferences. We come back to you with ideas and strategies which can move you towards your ideals. Our mutual commitment meeting outlines our next steps to accomplishing what is most important to you.
Our Wealth Management Process
Strategic Partnerships
LPL Financial
A Fortune 500 Company, LPL Financial brings the scale, clout and resources of the largest independent broker/dealer in the nation to bear for our clients. As a proven industry leader LPL supports nearly 20,000 financial advisors, 800 institutional investment programs and 500 independent RIA firms nationwide, with over $1 trillion in brokerage and advisory client assets serviced or custodied. Through LPL’s Private Client Services Network, Congruent accesses a curated register of companies serving the complex needs of our high-net-worth clients.
NewEdge Advisors
Bringing additional efficiency and resources to our Fiduciary mission, our partnership with NewEdge Advisors offers access to solutions designed to optimize value for high-net-worth clients. A Registered Investment Advisor (RIA), NewEdge provides the advantages of a dedicated trading group with streamlined processes and custom investment strategies. The NewEdge team enables access to a community of independent advisors to facilitate collaboration and thought leadership; learn more about the NewEdge team.
Quick Answers to Common Questions
What are your core services?
Our services are customized to each client’s needs and goals. We include portfolio management & oversight, asset allocation including real estate & alternative investments, tax planning, retirement planning, succession planning, estate planning and asset protection strategies. We provide coordination and support for our clients’ other advisors with the goal of a team approach to planning.
Are your advisors credentialed?
Yes. John Thompson is a Certified Investment Analyst® (CIMA®) administered by the Wharton School of Business at the University of Pennsylvania, and in 2013, he earned the Certified Private Wealth Advisor® (CPWA®) Certification, administered by the Booth School of Business at the University of Chicago and the Investments & Wealth Institute.
Who is your typical client?
We serve high net worth families, entrepreneurs, professionals, and retirees. Our clients often have complex financial situations and desire a comprehensive, customized, and objective approach. We are proud to serve multiple generations of many of our client families with discretion and confidentiality.
What does it mean to be a fiduciary?
The term fiduciary derives from the Latin fiduciary, meaning ” trust ” and it means that a person acting as a fiduciary for you has a legal or moral obligation to put your needs and interests before any needs or interests of themselves. We are Registered Investment Advisors (RIA) reporting directly to the SEC. RIAs have a fiduciary duty to their clients, which means they have a fundamental obligation to provide investment advice that always acts in your best interests.
What to expect on the first meeting?
As we begin our work together, we conduct a discovery meeting to assess your particular situation and understand objectives, goals, and current plans. Every client has unique prerogatives, so we work to achieve a deep understanding of each client’s priorities in order to construct a plan to find success together.
Securities offered through LPL Financial. Member FINRA / SIPC. Investment advisory services offered through NewEdge Advisors, LLC, a registered investment adviser. NewEdge Advisors, LLC and Congruent Wealth, LLC are separate entities from LPL Financial.
NewEdge Advisors, LLC (“NewEdge Advisors”) is a registered investment advisor. Advisory services are only offered to clients or prospective clients where NewEdge Advisors and its representatives are properly licensed or exempt from licensure. This website is solely for information purposes. Past Performance is no guarantee of future returns. Investing involves risk and possible loss of principal capital. No advice may be rendered by NewEdge Advisors unless a client service agreement is in place.
The content of this website is developed from resources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult your legal or tax professionals for specific information regarding our individual situation. The opinions expressed and material provided are for general information and should not be considered a solicitation for the purchase or sale of any security.
The LPL Financial registered representative associated with this website may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.