About Mindful Advisory, LLC and John Coumarianos
Investing with Intention; Planning with Perspective
Mindful Advisory, LLC is an independent, fee-only Registered Investment Adviser based in Northern New Jersey, dedicated to helping wealthy individuals and families navigate the complexities of long-term wealth management. The firm specializes in retirement planning, including distribution of assets in retirement.
We are cognizant of tax issues in portfolio management and in passing legacies to heirs.
Our fees start at 0.75% annually as a percentage of invested assets for the first $999,999 invested. Mindful Advisory, LLC has chosen Charles Schwab & Co. as primary custodian for our clients’ accounts.* Mindful Advisory, LLC has also chosen Interactive Brokers to custody client accounts. Please see Form ADV below for more details.
Our Philosophy: The Behavioral Edge
Investors’ reactions to events present bigger investment challenges than the markets. We believe that a successful financial life requires two things: a disciplined investment process and the temperament to stick with it.
We move beyond the spreadsheets to focus on Behavioral Finance. Many investors fall into common psychological traps—chasing recent winners (recency bias) or selling in a panic (loss aversion).
Inspired by the wisdom of Benjamin Graham, we view the market as a servant, not a guide. By understanding market cycles of mania and depression, we help you maintain a pre-arranged asset allocation. That means rebalancing against the crowd—buying when others are fearful and protecting gains when others are exuberant.
Meet the Founder: John Coumarianos
With over 25 years of experience as an advisor, analyst, and financial journalist, John Coumarianos brings a unique “analyst’s eye” to personal wealth management.
Before founding Mindful Advisory, John’s career was rooted in deep-dive financial research and institutional-grade analysis:
Fidelity: Served as a branch fund coordinator and representative
Morningstar: Served as a mutual fund and equity analyst, evaluating the world’s largest asset managers.
Family office: Director of Investment Research
Journalism: A frequent contributor to The Wall Street Journal, Citywire ProBuyer, and AdvisorPerspectives, John has published hundreds of articles on market history, ETFs, and investor behavior.
Institutional Roots: Previous experience at Fidelity Investments and as Director of Investments for a California-based family office.
John’s background as an analyst and writer means he doesn’t just manage your money; he helps you understand the why behind every move. He maintains your asset allocation, while keeping a watchful eye on the global events that affect your purchasing power.
This article for the Wall Street Journal on spending in retirement was among John’s most well-received pieces. It highlighted how helpful bonds can be when retiring into the teeth of two bear markets.
Why Mindful Advisory?
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Direct Access: You work directly with an experienced founder. No hand-offs to junior associates.
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Fiduciary Standard: As a single-member RIA, we have a legal and ethical duty to always put your interests first.
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Focus on Education: Our clients enjoy learning about market history and the psychological pitfalls of investing. We believe an informed client is a confident investor.