The mission of Courageous Community Services is to provide meaningful, inclusive opportunities for individuals with disabilities and their families through advocacy, education, and engaging recreational experiences.

We would like to welcome Rachel to the SJS Team in Sylvania, Ohio! Rachel is an Advisor working closely with multi-generational families and individuals.

The SJS Q4 2022 Outlook includes our insights on the U.S. bond market over the past year, steps to help you plan financially for the new year, a thank you to Bev Langley, and looking forward to Q1 2023.

For 2022, the bond asset class started the year with extremely low yields and less desirable return expectations. Going into 2023, the higher yields provide bond investors with a brighter outlook!

We have some suggestions for concrete actions to start your new year on the right foot, financially.

The end of the year provides a great time for us to reflect on recent experience to divine lessons to help us going forward.

We asked each student to write a summary of what they learned during the internship, which we share here. We thank Kleiston, CJ, Beckham, and Zach for spending their internship with us, and we wish them well going forward!

To help you financially plan for 2023, we provide this resource with important numbers for the upcoming year.

To help you assess financial issues to consider for the rest of 2022, we provide this resource.

SJS Investment Services has been recognized in the Forbes / SHOOK Research 2022 list of America’s Top RIA (Registered Investor Advisor) Firms.

History has shown that over long periods of time, gold has often failed to outpace inflation, even before considering fees.

Further expansion, connection, and exceptional maintenance of existing Metroparks will continue to elevate our region in the eyes of the world and in the hearts of those who call Toledo home.

To help you assess ways that you can assist your parents with financial matters, we provide this resource.

These are stories of achievement that can only come through caring enough about you, your communities, and the world to give our time, financial support, our passion to offer a helping hand to those in their time of need.

The SJS Q3 2022 Outlook includes our insights on the performance of global markets so far in 2022, supporting our communities, a new member of the SJS Team, and looking forward to Q4 2022.

As advisors and professional investors, we hold vivid memories of the times when markets are volatile and bear markets ensue.

We would like to welcome Ryan to the SJS Team in Sylvania, Ohio! Ryan serves as Client Service Associate.

When you lose a loved one, particularly a spouse, we are here for you. We have helped many individuals over the last twenty-seven years find their footing and renewed confidence.

We explore what is a recession, how the US stock market has performed before and after a recession, and how an investor can prepare for recessions.

Series I Saving Bonds provide many of the benefits of TIPS, but may be even more beneficial during times of heightened inflation.