What Is the jut?
The Jut is a Financial Health Monitoring system.
It is designed for the community of learners, DIY'ers, and professionals who aspire to be financially healthy and to stay that way for as long as possible.
The Jut is for those who are willing and able to manage their own financial picture and are not quite ready to engage with a financial professional on an ongoing basis, but would like the assistance of a CFP® Professional when needed regarding their specific and unique situation.
why the jut?
Do It Yourself
While it is true that the right financial advisor can make a big impact in your journey, you might not actually need one right now. Instead, you may be at a phase where you can do it yourself. The Jut allows you to assess and monitor your overall financial health, including your investments, spending, and debt.
#DIY #YouCanDoIt #YoungProfessionals #Singles
How does it work?
At the center of The Jut experience is your Financial Scorecard.
Your Financial Scorecard tracks specific Financial Vital Signs. These key markers indicate your overall financial health and are tracked on an ongoing basis. If your savings rate is too low, we can discuss how you can save more. If your debt rate is too high, we can discuss ways to reduce your debt.
Much like your own health, if warning signs are caught early, it is much easier and less painful to make the necessary adjustments to avert potential disaster.
There are 11 key vital signs:
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features & BENEFITS
Simple but powerful features to monitor your financial health
Mobile App with your Financial Scorecard & Vital Signs
Access to CFP® Professional
When You Need it
Account Aggregation &
Net Worth Tracking
Personalized
One-Page Summary
Ongoing Progress Tracking
Monthly Webinar &
Office Hours
Discounts to Additional Financial Planning Services
(Enhanced & Premium Plans only)
Rollover Unused Meeting Minutes
(Premium Plan only)
Budgeting and
Cash Flow Analysis
(Premium Plan only)
bugeting & cash flow
For our Premium plan members, you'll also receive complimentary access to Monarch Money, an award winning budgeting application. We will work with you to analyze your cash flow to ensure the proper money behavior.
Plans & pricing
The Jut membership is design to be flexible and affordable. Plans are billed quarterly. You may cancel anytime and your membership will be valid until the end of the subscription quarter.
Choose your pricing plan
Basic ($49/mth)
147$Every 3 monthsIdeal for professionals who manage their own financial strategy but want access to CFP® Professional- Mobile App to Your Financial Vital Signs
- Complimentary 15-min Consultation Upon Signup
- Ongoing Access to CFP® Professional through In-App Messaging
- Account Aggregation & Net Worth Tracking
- Personalized One-Page Summary
- Ongoing Progress Tracking
- Monthly Members-Only Webinars
- Monthly Members-Only Office Hours
- Most Popular
Enhanced ($99/mth)
297$Every 3 monthsGreat for DIY'ers who want quarterly discussions with a CFP® Professional- Everything in Basic, PLUS
- 15-min Phone or Online Meeting with Advisor Every Quarter
- Discounts for Additional Services
Premium ($169/mth)
507$Every 3 monthsPerfect for those who want to want more time with a CFP® Professional- Everything in Enhanced, PLUS
- Rollover of Unused Quarterly Meetings (15-min increments)
- Max Mtg Minutes with Rollover = 30min every two quarters
- 12+ mths membership: Max Mtg Minutes with Rollover = 60min
- Budgeting Software ($14.99/mth value)
- Cash Flow & Budget Review
- Even More Discounts for Additional Services
This is what to expect after you sign up and complete your payment:
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Receive email confirmation of your The Jut membership (within 30 min)
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Receive email invitation to start onboarding process and download the app (within 12 hours)
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After you complete your onboarding, we will reach out and schedule a complimentary 15-min online meeting to review your results (within 2 weeks after completing onboarding)
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Receive quarterly email to update your account data
Privacy & guidelines
The Jut membership is offered through R1T1 Education LLC, an independent entity that focuses on providing our members with time-tested financial principles, education, and wisdom. R1T1 Education LLC and The Jut do not offer investment advice.
For investment advice or inquiries, please visit our financial planning and investment management firm: Reach One Teach One Financial
discounts
As a member of The Jut, you'll receive discounted pricing to future services at our sister firm for wealth management and financial planning, Reach One Teach One Financial.
The Team
Who is behind The Jut?
George Kao, CFP®, ChFC®, CRPC™, MBA
The Jut is the brainchild of George Kao, CFP®, ChFC®, CRPC™, MBA. Since he started his journey as a financial advisor in 2019, George has seen issues related to incentives and compensation structures in the industry. The result is that great advisors end up working with only high-net-worth clients, leaving most "regular people" without access to great advisors. Often, they end up working with advisors who are asset collectors (a.k.a. Bone Collectors), until those advisors gather enough assets and drop them in favor of higher net-worth clients. It's a broken model and everyday families and individuals are pushed aside. The Jut was created to break that model.
George will be the primary CFP® Professional working with the initial membership cohorts. As The Jut grows, the team of CFP® Professionals will also grow to support our members.
Learn more about George at his Financial Planning firm, Reach One Teach One Financial.
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What is The Jut?The Jut is a community of learners, DIY'ers, and professionals who aspire to have a healthy relationship with money and to do good with our money.
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What does "The Jut" mean?J = Joyful U = United T = Thriving We are building a community of JOYFUL individuals who are UNITED in their cause to do good and do right with money which ultimately leads to a life that is THRIVING, fulfilling, and purposeful. Welcome to The Jut!
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What kind of advice will you provide me with my membership?As CFP® Professionals, we will look at your current financial health, assess the current status of your Financial Health Vital Signs, and offer you recommendations to adjust. We will also discuss your financial goals, your mindset with money, and any other questions you may have related to having Purpose-Driven Finances. If you have specific questions about your situation, what you should or should not do, we would be happy to discuss those also given the time allocated for your service level.
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Are there topics that are off limits?As financial planners and SEC/State registered investment advisors, we can only give investment advice to clients of our financial planning / wealth management firm. The Jut is a separate program dedicated to offering educational and knowledge services to a more general audience. As such, we will not be able to give investment advice to members of The Jut. If you want to discuss your investments specifically, you can engage with us via hourly consulting services through our Investment Advisory firm, Reach One Teach One Finanical (www.r1t1.com).
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How often can I talk to you?This depends on the service level you are subscribed to. All members will be able to message us via the mobile app. You will also be able to email us. We are dedicated to responding to your inquiries as quickly as possible, typically within 24hrs, but definitely within 48 hours. For our Enhanced and Premium plan members, you will also be able to schedule 15-minute phone or online meetings with us each quarter. You can even rollover your unused 15-minutes to the following quarter and schedule a 30-minute phone or online meeting to review your situation. For our Premium plan members, after 12 months of Premium membership, you'll be able to rollover unused 15-minute quarterly meetings to a one-hour annual meeting. (Please note that there are limited time slots, so please make your meeting requests as early as possible.) If you need to chat beyond the allotted times, you can always engage with us on a hourly consulting basis. Discounts for these consulting engagements are available for Enhanced and Premium plan members.
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Will you be able to answer questions about my family's situation?Because our advisors are all CERTIFIED FINANCIAL PLANNER™ practitioners, we are able to assess your situation and discuss options related to you and your immediate family (spouse, minor children). With questions related to your extended family (parents, siblings, uncles/aunts), we will not be able to answer those questions without their direct input and background. In those situations, it would be best for them to engage us directly.
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Will you be trying to upsell us to use your Financial Planning services?We created The Jut to help those who sincerely would like help. Our heart is focused on that. When we review your situation and we recommend that you engage with the Financial Planning services at Reach One Teach One Financial, it is because there is a specific need or situation where The Jut membership will not be sufficient to review and resolve. Please understand that we will never make such recommendations without a good reason. Similar to seeing your family doctor who recommends you to a specialist, we will be doing the same to assess your situation and recommend you to a specialist if and when necessary.
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What's a CFP®? ChFC®? CRPC™?These are industry-specific designations conferred to individuals who have completed additional education materials and/or years of experience and/or examination. You can learn more about these specific designations here: CFP® = Certified Financial Planner ChFC® = Chartered Financial Consultant CRPC™ = Chartered Retirement Planning Counselor
