Accumulating Wealth

You've Assembled the Pieces.
Now They Need to Work Together.

By now, you've likely assembled the foundation of a financial plan. You've funded a retirement account, probably opened a brokerage account of your own, and you may hold equity from your employer, along with money set aside for what's ahead. Each of these pieces is doing something on its own. The real question is whether they're doing it together.

Managing wealth well at this stage isn't about opening more accounts. Our goal is to create a financial plan that organizes the accounts you already have around a single, coherent strategy, so each part has a defined role, and nothing works at cross-purposes. That's what separates a collection of accounts from an actual financial plan.

• Cash flow and savings strategy. Directing a high income with intention, so the money you don't spend goes where it will do the most good, rather than accumulating by default.

• Tax efficiency. Coordinating your accounts and decisions to manage a tax burden that tends to climb alongside your income.

• Investment strategy. Building a portfolio around your goals and time horizon, not a one-size-fits-all risk profile.

• Protection and risk management. Confirming the right insurance and reserves are in place, so a single setback doesn't undo years of steady progress.

• Retirement account optimization. Making the most of your 401(k), Roth IRA, HSA, equity compensation, and other accounts.

• Goal-based planning. Preparing with intention for what's coming into view: education for your children, a second home, a business, or the freedom to work on your own terms.

We Start with Your Financial Plan.
Your Portfolio Follows from It.

At SJS, we don't manage investments in isolation. We build your financial plan first, then align your portfolio with it, because the plan gives every investment decision its purpose. A collection of holdings is just that. A portfolio built around a plan has a defined job to do, and a way to measure whether it's doing it.

Your portfolio is guided by our MarketPlus® Investing approach, which is grounded in decades of academic financial research rather than forecasts about the market's next move. It is a disciplined, evidence-based process, structured to keep your investments aligned with your goals and time horizon rather than reacting to short-term noise.

We work with clients as they build wealth. The years when you are still accumulating are the years when financial decisions can have a long-term impact. This long runway is precisely when the guidance of an experienced advisor can matter most.

We provide a secure and personal MySJS online portal with 24/7 access for tracking goals, account balances, investment progress, financial statements, and tax documents.

We are a fee-based investment advisor. We monitor and disclose any fees to you.

We charge a fee based on assets under management that is paid directly by you, our client. Your investment management fee is calculated as a percentage of the market value of all assets in your account(s) on the last day of trading of each calendar quarter. 

For unique investment practices, special reporting requirements or extraordinary advisory services, special fees will be negotiated on a client-by-client basis. 

Investments (such as mutual funds and exchange-traded funds (ETFs)) contained in your portfolio typically bear separate and additional expense ratios, disclosed by the prospectus and offering documents.