Business Description
We are an independent Registered Investment Advisory firm with more than thirteen years of experience managing assets for high-net worth individuals, trusts and endowments. As investment advisors, we are held to the highest fiduciary standard to work in the best interest of our clients--unlike brokers, who need only adhere to the lesser "suitability" standard and can receive commissions for selling investment products. We receive no commissions and no kickbacks. Our advice is objective and enlightened. It's that simple. We have a successful long-term performance history (posted for review on our website) achieved throughout numerous challenging market cycles. Our client assets and accounts are held securely at Charles Schwab & Company, Inc., one of the largest and strongest independent custodians and brokerage firms.
General Information Gender:    Male CRD#:    4497557 Firm CRD#:    119111 Name of Custodial Firm:    Charles Schwab & Company States Licensed in:    NY States Willing to do Business in:    CT, FL, CA, NM, OH, IL, TX, NH, VT, MA, ME, MN, DC, DE, AZ, NV, NE, VA, MD, PA, MI, HI, OR, WA, CO, MT, WY, RI, NC, SC, GA, KY, TN, AL, MS, LA, AR, KS Years of Experience in Financial Services:    13 Number of Years with Current Firm:    13 Work Experience:    James Berman, the president and founder of JBGLOBAL.COM LLC, a Registered Investment Advisory Firm, specializes in asset management for high-net-worth individuals and trusts. With over thirteen years of experience managing client portfolios, Mr. Berman is a professional analyst of financial vehicles, including equity and bond mutual funds, and is an expert in global investment, asset allocation and modern portfolio theory. As the president of JBGLOBAL LLC, the general partner of the JBGLOBAL Fund L.P., Mr. Berman manages a global equities fund that invests in the United States, Europe and Asia. Mr. Berman is a faculty member in the Finance Department of the NYU School of Continuing and Professional Studies where he teaches corporate finance. He also serves as subadvisor to Eitan Ventures LLC, a venture capital fund based in New York. Mr. Berman has appeared on CNBC, the Fox News Channel, the Cavuto Show and the Fox Business Channel and is frequently published and quoted in a variety of publications, including The Wall Street Journal, Barron's, Fortune, Bloomberg, and CNN Money. As a regular blogger for The Huffington Post, he covers financial topics ranging from hedge funds to the economy. I work with the following types of clients:    Trusts & Endowments, Non-Profit Organizations, Individual Investors, Businesses
Education Academic Background   BA, English and American Literature - Harvard University. Graduated Magna Cum Laude and Phi Beta Kappa J.D. - Harvard Law School
Services Investment Types:    Stocks, Mutual Funds, Exchange Traded Funds (ETFs), Bonds
Qualifications & Memberships Securities Licenses:    Series 65
Firm Information Number of Advisors in Office:    Up to 10 employees
Compliance Registered Investment Advisor:    Yes Investment Advisor Representative:    Yes Compliance Disclosures in Last 5 years:    I have a clean record Criminal Disclosures in Last 5 years:    I have a clean record
Compensation & Fees I am a fee-only financial professional:    Yes Minimum Portfolio Size for New Managed Accounts:    $500,000 Compensation Methods:    Based on Assets
Prepared By:	James Berman

Frequently Asked Questions

Q.	Do you have a customer satisfaction or refund policy?

Q.	What are your qualifications? What is your education background?

Q.	What is your approach to financial planning?

Q.	What services do you offer?

Q.	How many clients do you currently manage?

Q.	Will you be the only person working with me?

Q.	How are you compensated? How will I pay for your services?

Q.	If you are going to manage my account, will you obtain my permission every time you buy or sell something?

Q.	Do you offer any guaranteed results?

Q.	How much risk should I be willing to take?

Q.	Have you ever been charged with any breaches?

Q.	What services do you provide? What are your specialties?

Q.	What is your experience? How many clients do you currently manage?

Q.	What financial institution(s) do you represent?

Q.	How do you charge for your services?

Q.	Do you provide a free initial consultation?

Q.	Why should I choose you as my financial advisor?

Q.	Why should I roll over my 401K plan to your firm?

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Q.	Do you have a customer satisfaction or refund policy?
Any client can cancel their contract at any time and transfer out their funds without penalty. No refunds for fees already paid are provided, however.

Q.	What are your qualifications? What is your education background?
James Berman, the president of JBGLOBAL.COM LLC, has over 13 years of experience managing assets for individuals and trusts. Mr. Berman is a faculty member at NYU SCPS where he teaches finance. Mr. Berman has appeared on CNBC and Fox News and is quoted in many publications, including The Wall Street Journal & Barron’s. Mr. Berman holds a B.A. from Harvard and a J.D. from Harvard Law School.

Q.	What is your approach to financial planning?
We provide a long-term investment approach, taking into consideration the full range of the client's needs, risk preferences and time horizon. All portfolios are customized to the client's particular situation. We reallocate funds as required to take advantage of undervalued sectors.

Q.	What services do you offer?
We provide the full range of portfolio management services, including retirement planning, asset allocation and security selection.

Q.	How many clients do you currently manage?
We currently manage 76 separate accounts, which represent approximately 50 separate clients--given that some clients have more than one account (such as a taxable and tax-deferred account). We require a high minimum account size of $500,000 to keep our client base small in order to provide highly personalized service. All calls and emails are returned promptly.

Q.	Will you be the only person working with me?
All accounts are personally managed by James Berman and he is the direct contact for all clients. Certain routine administrative matters may be delegated to his assistant.

Q.	How are you compensated? How will I pay for your services?
We charge an annual fee billed in quarterly installments. This fee ranges from 0.95% to 1.50% of the assets under management, depending on the level of assets. At $500,000 the fee is 1.0%. This fee is billed directly to the client's account. We receive no commissions or kickbacks for selling any products.

Q.	If you are going to manage my account, will you obtain my permission every time you buy or sell something?
No. We provide what's called discretionary asset management, which means we make trades, reallocations, and changes in your account without your prior approval. We do, however, thoroughly review your own personal preferences, risk tolerance and time horizon prior to managing your assets in order to suit our strategy to your specific needs.

Q.	Do you offer any guaranteed results?
No. There is no such thing as a guarantee in investment management. Anyone who tells you otherwise is probably misleading you.

Q.	How much risk should I be willing to take?
We design portfolios all along the risk spectrum. There is always a trade- off between risk and return. We strive to design portfolios to take the least risk necessary to reach the stated objectives.

Q.	Have you ever been charged with any breaches?
Never.

Q.	What services do you provide? What are your specialties?
We provide the full range of portfolio management services, including asset allocation and security selection.

Q.	What is your experience? How many clients do you currently manage?
James Berman, the president of JBGLOBAL.COM LLC, has over 13 years of experience managing assets for individuals and trusts. Mr. Berman is a faculty member at NYU SCPS where he teaches finance. Mr. Berman has appeared on CNBC and Fox News and is quoted in many publications, including The Wall Street Journal & Barron’s. Mr. Berman holds a B.A. from Harvard and a J.D. from Harvard Law School.

Q.	What financial institution(s) do you represent?
We are an independent firm. We receive no commissions for selling products. All client assets are held securely with Charles Schwab & Company, our independent custodian.

Q.	How do you charge for your services?
We receive an annual fee billed in quarterly installments. This fee ranges from 0.95% to 1.50% of the assets under management, depending on the level of assets. At $500,000, the fee is 1%. This fee is billed directly to the client's account. We receive no commissions or kickbacks for selling any products.

Q.	Do you provide a free initial consultation?
Yes, we do. We initially meet with the client for an hour to determine if the client is right for us and if we are right for the client. There is no charge and no obligation for this initial consultation.

Q.	Why should I choose you as my financial advisor?
We are independent, committed and experienced. Our investment choices are made objectively since we don't receive any commissions or kickbacks. Our interests are aligned with those of our clients due to our fee structure. The amount we make increases only as your assets increase in value. We provide outstanding personal service and attention which large firms cannot provide.

Q.	Why should I roll over my 401K plan to your firm?
Rolling over your 401K plan into an IRA with us will allow you to have the full range of investment options to which we have access. No longer will you be restricted to the limited choices of the 401K plan administrator. We provide customized and objective account management for IRA's, tailoring the strategy directly to your personal needs, time horizon and risk preferences.