2025 closed out with global stock markets delivering another remarkable year, capping one of the strongest three-year stretches in stock market history. The April correction now feels like a distant memory as tariff shocks came and went.

SJS Investment Services creates a weekly market update to summarize performance characteristics for major stock and bond indices.

As we excitedly look forward to the year ahead, we remain deeply committed to empowering you to build a better life and providing the peace of mind you deserve.

Each quarter, we create an outlook that covers topics including general investment market conditions, financial planning considerations, and SJS news.

This fall, we had the pleasure of working with Isaac Saffold, an intern from Georgetown University. Isaac joined us through a meaningful connection — he was referred by the Georgetown football coach, as SJS Senior Advisor Andrew Schaetzke also played on the team. It’s a great example of how strong relationships open doors and create opportunities.

As you look ahead to 2026, it’s easy to feel overwhelmed by all the new financial and tax updates. To make things simpler, we want to highlight the key numbers to keep on your radar this year.

Gold has delivered eye-catching gains in recent years, surging past $4,000 per ounce this year and headlining financial media with talk of safe havens, inflation fears, and geopolitical uncertainty. This performance has increased investor enthusiasm, but history and research suggest caution.

At SJS Investment Services, we believe the client experience is about more than numbers on a page. Our mission is to empower you to build better lives. Recently, our internal SJS Book Club explored The Power of Moments by Chip and Dan Heath, a book that examines why certain experiences stand out — and how we can intentionally create more of them for our clients, colleagues, and communities.

Our purpose at SJS is to empower you to build a better life. What a better life–a good life–means varies from person-to-person. While our focus is on finances and investments, our purpose extends far beyond money.  

To more deeply understand what a better life entails, the SJS Book Club recently read The Good Life: Lessons from the World's Longest Scientific Study of Happiness by Robert Waldinger and Marc Schulz.

SJS Investment Services is proud to be #11 on CNBC’s 2025 Financial Advisor (FA) 100 list, an annual ranking of registered investment advisory (RIA) firms within the United States.[1]

The value of investment markets lies in the unknowable future. No one knows exactly what comes next - despite what some may claim. What we do know, grounded in academic research, is that valuations matter.

Medicare Open Enrollment (October 15 – December 7, 2025) is the time to review your current healthcare coverage and make changes for the year ahead.

SJS Investment Services has been recognized in the Forbes / SHOOK 2025 list of America’s Top RIA (Registered Investor Advisor) Firms.

In this Outlook, we share an update on today’s markets and the new “Big Beautiful Bill,” plus stories about our SJS Book Club, new team members, and interns.

Elizabeth began working at SJS in August 2025 as an Investment Analyst in the Chicago office, primarily supporting Tom Kelly, SJS’s Chief Investment Officer. Her responsibilities include investment research, portfolio analysis, performance monitoring, and client/advisor support.

As we discussed in our last blog post, Congress passed the long-anticipated One Big Beautiful Bill Act (OBBBA). True to its name, this legislation covers a wide range of tax and financial provisions. And for business owners in particular, the impact is meaningful [1].

SJS Investment Services has earned recognition in Financial Advisor Magazine’s 2025 Registered Investment Advisor (RIA) Ranking, an annual ranking of registered investment advisory firms in the United States.

While many of us were enjoying fireworks and family time over the July 4th holiday, something else quietly lit up the sky in Washington—Congress passed the long-anticipated One Big Beautiful Bill Act (OBBBA). True to its name, this sweeping piece of legislation covers a wide array of tax and financial provisions designed to impact Americans at nearly every stage of life.

In our Quarterly Outlook, we reflect on 30 years of SJS with a letter from our Founder & CEO, share our latest investment insights, and highlight our continued commitment to community through SJS Cares. Plus, download a copy of our featured SJS Personal Information Organizer, which can serve as a comprehensive record of your essential family, financial, and personal information.

At SJS, we embrace the fact that great work can happen in the office or remotely. With four office locations and team members working across the country, flexibility isn’t just a benefit—it’s a strategic strength.