Retirement Planning
Build a retirement strategy tailored to the life you actually want. We analyze current savings, project future needs, and map a realistic path to financial independence.
Your Financial Future,
Finally in Focus.
At JK Financial Group, we help individuals and families build, protect, and grow their wealth through personalized financial planning and investment strategies.
- 20+
- Years of combined experience
- 150+
- Households and business owners served
- $30M+
- In client assets guided
- Baltimore
- Maryland based, serving clients nationwide
“Most people don't need more products. They need one plan, explained plainly, that they can stick to.”
James Kelly, Founder
What we do
Comprehensive Financial Solutions
Every area of planning, coordinated under a single strategy.
Investment Management
Diversified portfolio strategies designed to pursue returns while managing risk. The approach adapts as markets move and as your situation evolves.
Wealth Protection
Safeguard what you have built with estate strategies, beneficiary reviews, and risk management that keeps your family covered if something unexpected happens.
Tax Planning
Strategic tax positioning to reduce what you owe over a lifetime, not just in April. We coordinate directly with your CPA so the plan and the return agree.
Insurance Solutions
Life, disability, and long-term care coverage sized to your actual obligations, so protection supports the plan instead of sitting off to the side.
Education Planning
Fund your children's education with 529 plans, custodial accounts, and savings strategies built for tuition costs that keep climbing.
Name, Image & Likeness
Coming Winter 2026Planning built for student athletes and their families: entity setup, quarterly tax withholding, contract and payment tracking, and a savings structure for income that arrives early and unevenly.
Our process
How We Connect With Clients
A defined process that takes you from the first conversation to a written plan and ongoing reviews.
A Plan That Spans Decades
Planning work changes as assets accumulate, transition, and are drawn down. Select a milestone to see what the work looks like at that point.
01 of 07
First job and 401(k)
Establish the savings rate, capture the full employer match, and set an allocation you will not abandon in the first downturn.
Illustrative only. Not a projection of any actual result.
Step by step
Working With Your Advisor
Four steps, from the first conversation to ongoing reviews.
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Meet Your Advisor
An introductory conversation to define scope: your circumstances, your priorities, and the outcomes you are working toward. You are matched with one advisor who stays your point of contact from that meeting forward.
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Review the Full Picture
We collect and analyze the full financial picture: income, assets and liabilities, employer benefits, insurance coverage, tax position, and the time horizon attached to each goal. Goals are then stress tested against what the numbers actually support.
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Receive Your Written Plan
You receive written recommendations across cash flow, asset allocation, risk management, and tax strategy, with the assumptions behind each one and the alternatives we considered before arriving at them.
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Stay on Track
Implementation is only the starting point. We review progress on a set schedule, update the plan as circumstances, markets, and tax law change, and coordinate with your CPA and estate attorney so every piece stays consistent.
Meet the Team
James Kelly
Founder & Lead Advisor
James started the firm to give families the kind of straight advice he felt was missing at larger institutions. He leads client strategy across retirement, investments, and estate coordination.
Marcellus Preston
Financial Professional
Marcellus works closely with clients on day-to-day planning: building strategies, reviewing coverage, and making sure the plan keeps up as life changes.
Prosper Odilatu
Financial Professional
Prosper handles client onboarding and outreach, and is usually the first person you'll talk to. He makes sure nothing falls through the cracks between meetings.
Contact
Have Us Call You
If you would rather not pick a time on a calendar, leave your number instead. An advisor will call you back, usually the same business day.
- Phone 443-370-9547
- Email info@jkfinancialgroup.org
- Hours Monday to Friday, 9:00 AM to 6:00 PM ET
- Office Baltimore, Maryland
There is no cost and no obligation for the first conversation. We will ask what you are trying to sort out, tell you whether we can help, and go from there.
Questions
Frequently Asked Questions
What does the first meeting cost?
Nothing. The initial consultation is complimentary and runs about 30 minutes. We use it to understand your situation and explain how we would approach it.
Do I need a certain amount of money to work with you?
No. We work with households at a range of stages, from people getting organized for the first time to business owners planning an exit. What matters more is that you want a plan and intend to follow it.
How are you compensated?
Compensation depends on the services you engage us for, and it's explained in plain language before you sign anything. You'll always know what you're paying and why.
Can you work with my existing CPA or attorney?
Yes, and we prefer to. Tax and estate decisions overlap constantly with financial planning, so we coordinate directly with your other professionals to keep the strategy consistent.
Do you meet in person or virtually?
Both. Our office is in Baltimore, and most clients across the country meet with us by video. In-person meetings can be arranged.
How often will we meet after the plan is built?
Typically two to four times a year, plus whenever something changes, such as a new job, a home purchase, an inheritance, or a new child. You can always reach out between reviews.