Joseph Yocavitch
LUTCF®, CLTC®

CONNECT

Address:

1864 Route 70 East
Cherry Hill, NJ 08003

Phone:

856.751.1771

Our Services

At JML Financial Group, we offer professionals, individuals, families, and business owners comprehensive services designed to help them build, protect, and preserve their wealth.

Protect Planning

We believe protection is central to every financial strategy. Having the right insurance can help make this happen. Regular reviews of insurance policies protecting life, property, health, disability, long-term care, and other programs can ensure against losing income, savings, retirement and even your home. We can evaluate a client’s current risk plans to determine if they adequately meet their needs at whatever stage they are in life. In developing a comprehensive financial strategy, we help clients address their insurance needs and assess appropriate options, including:

  • Life Insurance (All types)
  • Long-Term Care Insurance
  • Short and Long Term Disability Income Insurance*
  • Annuities FINANCIAL PLANNING STRATEGIES

Financial Planning Stratgies

Financial planning is the process of identifying financial goals and creating a roadmap for how to achieve them. The primary objective is to determine how to build and preserve wealth, while also planning for the future. We can assist clients with:

  • Retirement Planning
  • Income Planning
  • College Planning
  • Estate Planning
  • Tax Strategies
  • Medicare Planning
  • Risk Management
  • Money Management
  • Cash Flow Analysis

Investing Management

Without a forward-thinking plan delivered by a dedicated and knowledgeable team, it may be difficult for you to pursue your goals. Through our investment and portfolio construction, we assist clients with:

  • Bonds
  • Common Stock
  • Exchange Traded Funds (ETFs)
  • Mutual Funds
  • 529 Plans
  • Brokerage Accounts
  • Alternative Investments
  • Variable Annuities
  • Traditional, Roth, SIMPLE, and SEP IRAs

Business Planning Strategies

We can assist business owners tackle some of the financial complexities of running a business, including:

  • Buy-Sell Agreements
  • 401(k) and 403(b) Plans
  • IRAs
  • Defined Benefits Plans
  • Profit Sharing Plans
  • Non-Qualified Deferred Compensation
  • Succession Planning
  • Cash Flow Distribution
  • Group Health Plans

Fixed Annuities are long term insurance contacts and there is a surrender charge imposed generally during the first 5 to 7 years that you own the annuity contract. Withdrawals prior to age 59-1/2 may result in a 10% IRS tax penalty, in addition to any ordinary income tax. Any guarantees of the annuity are backed by the financial strength of the underlying insurance company. Please consider the investment objectives, risks, charges, and expenses carefully before investing in Variable Annuities. The prospectus, which contains this and other information about the variable annuity contract and the underlying investment options, can be obtained from the insurance company or your financial professional. Be sure to read the prospectus carefully before deciding whether to invest. The investment return and principal value of the variable annuity investment options are not guaranteed. Variable annuity sub-accounts fluctuate with changes in market conditions. The principal may be worth more or less than the original amount invested when the annuity is surrendered. JML Financial does not offer legal or tax advice. Please consult the appropriate professional regarding your individual circumstance. Mutual Funds and Exchange Traded Funds (ETF’s) are sold by prospectus. Please consider the investment objectives, risks, charges, and expenses carefully before investing. The prospectus, which contains this and other information about the investment company, can be obtained from the Fund Company or your financial professional. Be sure to read the prospectus carefully before deciding whether to invest. A 529 plan is a college savings plan that allows individuals to save for college on a tax-advantaged basis. Every state offers at least one 529 plan. Before buying a 529 plan, you should inquire about the particular plan and its fees and expenses. You should also consider that certain states offer tax benefits and fee savings to in-state residents. Whether a state tax deduction and/or application fee savings are available depends on your state of residence. For tax advice, consult your tax professional. Non-qualifying distribution earnings are taxable and subject to a 10% tax penalty. Investing in alternative assets involves higher risks than traditional investments and is suitable only for sophisticated investors. Alternative investments are often sold by prospectus that discloses all risks, fees, and expenses. They are not tax efficient and an investor should consult with his/her tax advisor prior to investing. Alternative investments have higher fees than traditional investments and they may also be highly leveraged and engage in speculative investment techniques, which can magnify the potential for investment loss or gain and should not be deemed a complete investment program. The value of the investment may fall as well as rise and investors may get back less than they invested.

Check the background of this financial professional on FINRA's BrokerCheck
Check the background of this financial professional on FINRA's BrokerCheck