Disclosures

Important Disclosures

Registration details, regulatory filings, and the disclosures that apply to this website.

Firm & Registration

Developing Financial LLC is an investment adviser registered with the State of California. The firm is also registered in Texas and New York. Its principal place of business is in California.

Developing Financial LLC and its representatives may only transact business in states where they are properly registered, or are excluded or exempt from registration requirements. Nothing on this website is a solicitation to provide advisory services in any state where the firm is not registered or otherwise exempt.

Form ADV

Our Form ADV Part 1 and Part 2A (the “brochure”) describe our services, fee schedule, business practices, conflicts of interest, and the background of our advisory personnel. You are encouraged to review them before engaging our services.

Both are available free of charge on the SEC’s Investment Adviser Public Disclosure website:

View our IAPD record (CRD #315242)

A copy of our current brochure is also available at no charge upon request — just ask.

Form CRS

Form CRS (Client Relationship Summary) is required of SEC-registered investment advisers and broker-dealers. As a state-registered investment adviser, Developing Financial LLC is not required to prepare or deliver a Form CRS.

Fiduciary Standard & Compensation

Developing Financial LLC is a fee-only fiduciary. We are compensated solely by the fees our clients pay us. We do not sell insurance or investment products, and we do not accept commissions, referral fees, revenue sharing, or any other third-party compensation for recommending any product, security, or provider. Our current fee schedule is described on our Fees page and in our Form ADV Part 2A.

Media Mentions & Third-Party Content

Our As Seen In page lists publications, podcasts, and media outlets that have quoted or featured L.J. Jones. These mentions are provided for informational purposes only. They are not testimonials, endorsements, or recommendations of Developing Financial LLC or its services by those outlets, and no outlet has been compensated for, or has compensated us in connection with, any mention. A media mention does not imply a certain level of skill or training, and is not a guarantee of future results.

Logos and trademarks displayed on this site are the property of their respective owners and are used only to identify the publication in which L.J. Jones appeared.

Third-Party Links

This website contains links to third-party websites. By clicking those links you will leave this website. Developing Financial LLC does not control, adopt, endorse, or accept responsibility for the content, privacy practices, or security of any third-party website.

Professional Designations

L.J. Jones holds the CPA license and the CERTIFIED FINANCIAL PLANNER™ (CFP®) certification. These designations require specific education, examination, experience, and ethics requirements, and require ongoing continuing education to maintain. They do not imply any particular level of investment skill and are not a guarantee of performance or results.

No Advice; No Offer

The content on this website — including all blog posts, guides, calculators, and downloadable materials — is general and educational in nature. It is not individualized investment, tax, accounting, or legal advice, and it does not take into account your specific circumstances, objectives, or risk tolerance. Nothing here is an offer or solicitation to buy or sell any security. You should consult a qualified professional regarding your particular situation before acting on any information found here.

Investing involves risk, including the potential loss of principal. Past performance is not indicative of future results. No representation is made that any strategy, recommendation, or approach described on this site will be profitable or suitable for you.

Accessibility

We aim to meet the Web Content Accessibility Guidelines (WCAG) 2.1 Level AA. If you encounter a barrier using this website, or need information in an alternative format, email LJ@developingfinancial.com or call (619) 432-7013 and we will provide the information you need in a format that works for you.

Our online booking calendar is provided by a third party. If it is difficult for you to use, you can schedule the same meeting by email or phone instead.

Contact

Questions about anything on this page — or about our services generally?

Last updated: July 2026. This page is reviewed periodically and may be updated without notice.

Advisory services offered through Developing Financial LLC, an investment adviser registered in states where registered or exempt from registration. Advisory services are only offered to clients or prospective clients where Developing Financial LLC and its representatives are properly registered or exempt from registration.

The information on this site is not intended as tax, accounting or legal advice, nor is it an offer or solicitation to buy or sell, or as an endorsement of any company, security, fund, or other offering. Information provided should not be solely relied upon for decision making. Please consult your legal, tax, or accounting professional regarding your specific situation. Investments involve risk and have the potential for complete loss. It should not be assumed that any recommendations made will necessarily be profitable.

The information on this site is provided “AS IS” and without warranties either express or implied and the information may not be free from error. Your use of the information provided is at your sole risk.