JVL Wealth Strategies is a SEC-registered investment adviser with its principal place of business located in Wyoming, Michigan. JVL Wealth Strategies began conducting business in 2002. JVL Wealth Strategies is the successor to JVL Associates (a sole-proprietor) which began conducting business in 1994.
The firm is owned by Gerald R. (Jerry) VanderLugt, Matthew J. Kunnen and Chad N. Soukup.
JVL Wealth Strategies offers financial planning, wealth management and investment advisory services to our clients based on their specific needs and financial circumstances. FINANCIAL PLANNING We provide financial planning services for individuals and families. Financial planning may include a comprehensive evaluation of a client’s current and future financial position by using currently known variables to project future cash flows, asset values and withdrawal strategies. Through the financial planning process, all questions, information and analysis are considered as they impact and are impacted by the entire financial and life situation of the client. Clients utilize this service to assist them in achieving their financial goals and objectives.
In general, financial planning can address any or all of the following areas:
• PERSONAL CASH FLOW AND NET WORTH: We discuss family information, assets and liabilities, income and expenses, cash-flows, and financial goals and objectives.

• TAXES: We review the client’s income tax situation and then analyze the impact of various financial planning and investment alternatives on the client’s current and future income tax liability.

• INVESTMENTS: We analyze investment alternatives and their effect on the client’s financial goals and objectives.

• INSURANCE: We review existing insurance plans to determine proper coverage given the client’s financial situation. We also interface with the client’s insurance professionals to assist the client to secure appropriate policies and coverage given their financial goals and objectives.

• RETIREMENT: We analyze current strategies and investment plans to help the client achieve their retirement goals.

• DEATH & DISABILITY: We review the client’s cash needs at death, income needs of surviving dependents, estate planning and disability income needs.

• ESTATE: We assist the client in assessing and developing long-term strategies, and then interface with the client’s legal team to develop appropriate estate planning documents to accomplish those strategies.
We gather information through client interviews. Information gathered includes the client’s current financial status, tax status, future goals, return objectives and attitudes towards risk. 4 of 19 We carefully analyze and evaluate documents supplied by the client and then develop and present various alternatives and recommendations. Should the client choose to implement any of the recommendations made, we work closely with the client to assist in their implementations. We also monitor the client’s ongoing situation and make appropriate recommendations as needed. Implementation of our recommendations is at the total discretion of the client.
Financial Planning recommendations are not limited to any specific product or service offered by a broker-dealer or insurance company. All recommendations are of a generic nature.
WEALTH MANAGEMENT SERVICES We provide wealth management services to clients when the situation warrants. Wealth management services normally include the services identified above plus

consultation with clients in such areas as:
• Lifetime Gifting Strategies
• Inter-Generational Wealth Transfer Strategies
• Charitable Gifting Techniques – Providing advice on Private Charitable Foundations, Donor Advised Funds and gifts of appreciated property.

• Asset Protection Strategies
• Family Investment Company LLCs
• Trust Analysis and Recommendations
• Integration of Business and Personal Financial Planning Strategies INVESTMENT ADVISORY SERVICES (“IAS”) INDIVIDUAL PORTFOLIO MANAGEMENT Our firm provides continuous advice to a client regarding the investment of client funds based on the individual needs of the client. Through personal discussions we gain an understanding of the client’s particular circumstances and help the client determine an understanding of their personal investment goals and objectives. In addition, during our data-gathering process, we help the client determine their investment time horizons, risk tolerance, and liquidity needs. As appropriate, we also review and discuss a client’s prior investment history, as well as family composition and background. Based upon the information provided to us, we will recommend appropriate asset allocation strategies and the actual investments for the client’s investment accounts.
We manage these advisory accounts on a discretionary basis. Account supervision is guided by the client’s stated goals and objectives as well as tax considerations. Clients may impose reasonable restrictions on investing in certain securities, types of securities, or industry sectors based on their specific circumstances. In some cases, clients may invest, upon our recommendation, in life insurance products containing cash value that is managed outside of our discretion by the respective insurance company. In addition, clients may make other investments (real estate, private equity funds, etc.), upon our recommendation, that we supervise but do not have discretionary authority over the specific underlying investment.
Our investment recommendations are not limited to any specific product or service offered by a 5 of 19 broker-dealer, insurance company or fund manager and will generally include advice regarding the following investment alternatives:
• Securities listed on a major U.S. Exchange
• Securities traded over-the-counter
• Securities listed on a foreign exchange
• United States governmental securities
• Municipal securities
• Corporate debt securities (other than commercial paper)
• Commercial paper
• Certificates of deposit
• Mutual fund shares
• Exchange Traded Funds (ETF’s)
• Life insurance products (whole-life, variable life and term)
• Annuities
• Private Real Estate Funds
• Private Equity Funds
• Private Credit Funds
• Hedge Funds
• Interests in partnerships investing in real estate JVL Wealth Strategies recommends the services of Separate Account Managers when appropriate for specific client circumstances.
Because some types of investments involve certain additional degrees of risk, they will only be recommended and implemented when consistent with the client’s investment goals and objectives, investment time horizon, tolerance for risk, liquidity and suitability.
AMOUNT OF MANAGED ASSETS As of 12/31/2023 we were actively managing $552,695,722 of clients’ assets. Of this amount, $536,124,486 is managed on a discretionary basis and $16,571,236 on a non-discretionary basis.
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