SJS News

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

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

There has never been more access to financial information to guide investment decisions, yet that information is not designed for the individual investor behind it.

As life grows, finances usually do too. More responsibilities, more accounts, more decisions, and more pressure to make the right calls can turn a once-simple financial life into something that feels harder to manage.

While working within a business, owners live and breathe the business 24/7.  Once a business is sold, whether to family, trusted employees, or to an outside third party, life for the owner may change dramatically.

Business exit planning isn’t just about selling—it’s about readiness. Learn why early planning creates better outcomes and fewer regrets.

In recent years, the rise of index funds has reshaped how many investors think about managing money. Low costs, diversification, and simplicity are real advantages – and within investment portfolios, they’ve proven effective over time. But in our experience, the idea of “set it and forget it” doesn’t typically translate well beyond investments.

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

At SJS, we work with you to understand the complex topic of taxes. Tax-efficient investing involves aiming to reduce and defer taxes through optimized investment management.

Most people spend decades preparing for retirement. They save consistently, invest diligently, and build an investment portfolio designed to grow over time to replace their paycheck one day.

Recent market volatility has understandably raised emotions and concerns over the last week. When headlines are alarming and markets move sharply up or down, it is natural for you to wonder about their investments.

Retirement has long been treated like a finish line, but the truth is much different than that. It is a multi‑decade journey of living with purpose and meaning. The mosaic of your retirement may be composed of a mix of time spent with family and friends, travel, volunteering, and an active lifestyle.

Every January, Wall Street releases its newest flurry of S&P 500 year‑end predictions. And inevitably, we’re asked where we think the market is headed. At SJS, we certainly have opinions, but we don’t publish short-term market forecasts or build client portfolios around them.

Are valuations excessively high? Do record earnings justify selling? Headlines that stir fear are not new. Investors often get caught up in market noise, but recognizing that news headlines are often written to prioritize clicks over nuanced truth can reduce stress.

Do you remember when AOL was the internet? When hearing “You’ve got mail” felt like a small event, and logging on meant you were connected to the future?

The beginning of 2026 is a natural checkpoint to make sure your saving, gifting, and protection strategies still match the life you are living today. Your financial planning can benefit from a fresh look at the start of each year and we have a some actionable ideas to start the new year on the right foot, financially.

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.

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.

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.

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

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].