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    • -Estate Planning
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    • -Retirement Planning
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    • -Individuals and/or Small Businesses
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No timeline events available.
Employer Years Dates
Prairieview Partners 2 years, 7 months Jan 2011 - Aug 2013
Phillip James Consulting Co. 9 years, 9 months Jul 2010 - Present
Bellisio Foods 2 years, 11 months Jan 2009 - Dec 2011

Designations & Memberships

  • Chartered Financial Analyst Institute
    Chartered Financial Analyst Institute
  • Chartered Financial Analyst
    Chartered Financial Analyst
    Widely considered the gold standard for investment professionals, this six decade old charter is only given to designees who can demonstrate competence, integrity, and dedication to the field of investment management.

Articles and Answers

Insights by Phillip Christenson

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Is there a limit as to how many IRA's one can have?
An interesting question. Why would you want so many different accounts? Keep in mind an IRA is only a type of account. Your investments are held in this account. So, if it's diversification you are after, within one account you can hold 10 (or more) different investments. The hassle of tracking ...  (more)
Answered Apr 2014
If I wanted to withdraw from a 401k to pay off my mortgage, what is there to consider beyond the taxes and penalties?
I agree with Curt about your allocation but even better would be an education in how the markets works. As well, you should look at what you need the money for, is it soley for retirement? If so, then I think you can probably stand to take the risk, you just need to understand why.Also, do you have...  (more)
Answered Jul 2014
Which remaining debts should I pay off first?
Hello Charlie,Based on what you described, I would suggest you pay down your other motorcycle loan then work towards the 401k loans. Once you are debt free I would highly recommend you try to stay that way. And you will probably not want to hear this but considering you have two motorcycle loans, ...  (more)
Answered Aug 2014
I'm i able to withdraw at this time ?or how do ?
Hello Yvette,Can you please clarify what you are referring to? Are you trying to withdraw money from your IRA, Roth IRA, 401k etc? Once you provide more information I'll be able to answer your question.Best Regards,Phillip...  (more)
Answered Apr 2014
Like to take a loan from my 401K but not allowed. What are my options?
I'm assuming you have not other funds available - emergency cash accounts, other non-tax-advantaged investment accounts, or even a Roth IRA (contributions can be taken out without penalty). If this is the case then there are a few circumstances that will allow for a withdrawal from a Traditional I...  (more)
Answered Jul 2014
I have a 401 K plan with my former employer, Alliance Residential Mgmt, how do I cash out?
As William mentioned you should definitely consider a rollover rather then a "cash out". Move it to an IRA (or Roth IRA depending on the contributions you've made) at a discount brokerage like Scottrade or Charles Schwab.HR should be able to provide you with the appropriate forms needed to accompl...  (more)
Answered Aug 2014
I am retiring in 4 years. What is to outlook for the sequioa fund. Should I hold or move to another fund?
18% in Valaent Pharmaceuticals and a 1% expense ratio is enough for me to pass. But as the others said you should be more concerned about your allocation as opposed to this one fund. What is your plan?!...  (more)
Answered Aug 2014
Does anyone know of a company that can invest my money in 100% of stock and 0% dividend i.e nothing to do with Interest?
Hi Mohammed, keep in mind that a dividend is not interest, it is just the profits the company is paying you. While it is usually quoted as a % of the stock's price it is not interest. If your religion specifically says no dividends there are many stocks that do not pay them, however, that does not m...  (more)
Answered Dec 2014
I'm paying a financial advisor 1.5% plus a $750 annual fee to manage my 450K portfolio. Is this too much?
It's high, especially if you are only receiving investment management services (no financial plan). For that portfolio size we would charge 1.35% and that would include a full financial plan, which is arguably the more important part of the ongoing relationship. If you like your advisor it can't h...  (more)
Answered Jun 2014
I have a Roth IRA and the wife wants one too. Max out contributions to one Roth IRA or split that money btw 2 IRA's?
Ideally you max out both Roth IRAs but in a world with limited resources that's not always possible. There is not a big difference in one Roth versus two just make sure your beneficiaries are set how you want them. Also, I disagree with Michael as there should be no additional fee for a second IRA....  (more)
Answered Sep 2014
Can I open a solo 401k and/or solo 401k ROTH?
The US government treats all of its citizens the same for both taxes and benefits (tax savings plans). So assuming you are a citizen then yes, you can create a plan. However, contributions can only be made on non-excluded earned income. Therefore, if you either have no earned income or if you’re ...  (more)
Answered Feb 2014
Hoe can I find out if I still have money in my 401k when I worked for Stever-Locke Ind.back in 1999?
You can also try to contact them through their website here... should ask the same question you just posted on Brightscope....  (more)
Answered Oct 2014
I'm wanting to buy a house if I have already borrowed against my 401k can I borrow again for purchasing a home?
Ahh! Stop borrowing from your 401k assets! Imagine your future self at age 65 shaking his fist at you saying, "Don't use my retirement money to buy a house, I don't want to live off social security." Using your 401k to fund anything besides retirement is not a good idea. But I can't stop you so t...  (more)
Answered Sep 2014
If your no longer working for a company how do you collect the money you invested in the 401k plan?
You need to fill out a form from your HR department or Retirement Services department. A rollover would probably be best, depending, of course, on your own circumstances. What are you trying to do with the money? Did you just retire? Will you be switching to another employer? When will you need th...  (more)
Answered Aug 2014
Should I invest in gold?
We don't put any of our clients' money in gold specifically. Instead, we believe they are already exposed to it as an asset class by investing in the general market. e.g. The S&P500 has gold and other natural resource stocks in it's index. If you are buying physical gold or trying to pick indivi...  (more)
Answered Dec 2014
How do i go about withdrawing my 401k ? Who do i call?
Hi Michael,Do you have any account statements? There should be a phone number you can call in order to get the steps to withdraw your money. Usually, they have a form that you will need to fill out. If you do not have an account statement you should call the HR department of your employer (or for...  (more)
Answered Oct 2014
    *Answers are submitted by advisors without compensation.

    Licenses & Conducts

    U.S. Securities and Exchange Commission
    • license status
    • disclosures
    • as of date
      Dec 2, 2019
    • license status
      Not registered
    • disclosures
    • as of date
    Review the status and details of the disclosures noted above using the SEC's Investment Advisor Public Disclosure website:


    Phillip James Financial Co.

    Last updated on Jan. 22, 2020
      • $82.8M
        Total Assets Under Management
      • N/A
        Total Assets Under Advisement
      • 543
      • $152.6K
        Estimated Average Account Balance


    Types of Compensation Arrangements

    • Percentage Of Assets
    • Fixed Fees