Individuals and Families

Our goal is to provide the analysis and strategies that help you make good financial decisions now and in the future. At SJS, we can help you:

• Create an action plan to optimize all areas of your wealth

• Build a cash flow plan balancing income sources and expenses

• Incorporate goals like travel and philanthropy into your financial planning

• Account for the tax impact of retirement accounts’ transactions

• Make decisions about Social Security timing and Medicare options

• Review your insurance needs and make recommendations through a licensed insurance agent, particularly for life insurance coverage

• Cash flow management

• Charitable giving

• Financial planning

• Investment management

• Lifestyle and retirement goals

• Risk management

• Social Security analysis

• Tax and estate coordination

• Tax optimization

Our local financial advisors take the time to learn what matters most to you, then craft and implement a customized financial plan that grows, protects, and preserves your wealth. We coordinate seamlessly with your other trusted professionals—accountants, attorneys, insurance agents—to ensure every piece of your financial life works together. We also will conduct progress check-ins as needed to answer any questions and help keep your financial goals on the right track.

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.

We work with a variety of individuals and families, helping them through life’s transitions, preserve and grow their wealth, and achieve their goals.

Download the following service sheets to see how we can help you specifically:

• Executives

• Young Professionals

• Attorneys

• Divorcees

• Widows / Widowers