https://www.sjsinvest.com/blog daily 0.75 2026-03-30 https://www.sjsinvest.com/blog/sjs-weekly-market-update monthly 0.5 2026-03-30 https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/4842c86c-7e5d-4167-b1cf-e5c8c3f6682e/2026.03.27+Weekly+Market+Update.png Our Blog - SJS Weekly Market Update https://www.sjsinvest.com/blog/tax-efficient-investing-coordination monthly 0.5 2026-03-23 https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/3dfb582c-6f56-41f1-9ac3-0e1a0aec3380/SJS+Public+Funds+Molly+Laclair.jpg Our Blog - Coordinating Tax and Investment Decisions - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.sjsinvest.com/blog/financial-surprises-new-retirees-often-face monthly 0.5 2026-03-18 https://www.sjsinvest.com/blog/global-conflict-and-market-volatility-why-diversification-matters monthly 0.5 2026-03-09 https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/7c28e0e1-bf22-491f-ab22-691722126701/Market+Resiliency.png Our Blog - Global Conflict and Market Volatility: Why Diversification Matters - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.sjsinvest.com/blog/retirement-income-planning-phases monthly 0.5 2026-03-02 https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/8b424ead-53ec-40ec-8ddb-bcb6db078094/2025+SJS+Retirement+Planning+for+Every+Phase.jpg Our Blog - Retirement Isn’t a Date: How to Plan for Income Across Every Phase - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.sjsinvest.com/blog/student-shadow-program-builds-financial-literacy-skills monthly 0.5 2026-02-20 https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/723dd547-a339-4256-9499-7c37010bed1c/NV+Shadows+%E2%80%93+Sam+and+Gavin+1.JPG Our Blog - Student Shadow Program Builds Financial Literacy Skills - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/42ae9cd0-1ffd-4cd8-b305-741cb1c3de99/NV+Shadows+%E2%80%93+Gavin.jpg Our Blog - Student Shadow Program Builds Financial Literacy Skills - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/ab76c04e-5631-4f37-9dab-07fa7949ef91/NV+Shadows+%E2%80%93+Sam.jpg Our Blog - Student Shadow Program Builds Financial Literacy Skills - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/209e836e-b331-41c0-b2fb-1e4d5caba7e0/NV+Shadows+and+SJS+Team.jpg Our Blog - Student Shadow Program Builds Financial Literacy Skills - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.sjsinvest.com/blog/why-small-habits-matter-for-investing-retirement-and-life monthly 0.5 2026-02-11 https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/a880286c-aed5-48a0-9a95-adc49c2be06c/SJS+Atomic+Habits+Book+Club.png Our Blog - SJS Book Club: Why Small Habits Matter for Investing, Retirement, and Life - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.sjsinvest.com/blog/stay-on-target monthly 0.5 2026-03-09 https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/beb8c757-deb4-423f-a00f-8ec05b33457d/S%2BP+500+%26+Consensus+%2522Expert%2522+Year-End+Price+Targets.png Our Blog - Stay On Target - Make it stand out Source: SJS Investment Services, Morningstar, Bloomberg.[1] The S&P 500 Index is a free float-adjusted market-capitalization-weighted index of 500 of the largest publicly traded companies in the United States. The index performance figures assume the reinvestment of all income, including dividends and capital gains. The average year-end price target for the S&P 500 Index is compiled from a survey of Wall Street strategists by Bloomberg reporters. Forecasts contained herein are for illustrative purposes only, may be based upon proprietary research and are developed through analysis of historical public data. Past performance is no guarantee of future results. See Important Disclosure Information. https://www.sjsinvest.com/blog/dont-let-bubble-talk-burst-your-plan monthly 0.5 2026-02-02 https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/2639aebd-210c-471f-995c-73423991f2ca/Tech+Sector+Then+and+Now+Graph+1+for+Blog.jpg Our Blog - Don’t Let Bubble Talk Burst Your Plan - Make it stand out Sources: SJS Investment Services, Morningstar as of December 31, 2025. The S&P 500 Information Technology Index comprises those companies included in the S&P 500 that are classified as members of the GICS® information technology sector. The index performance figures assume the reinvestment of all income, including dividends and capital gains. Past performance is no guarantee of future results. See Important Disclosure Information. https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/726f845f-208d-4224-8de7-60c1fc6f429f/Historical+Highs+Graph+2+for+Blog.jpg Our Blog - Don’t Let Bubble Talk Burst Your Plan - Make it stand out Sources: SJS Investment Services, Morningstar as of December 31, 2025. The S&P 500 Index is a free float-adjusted market-capitalization-weighted index of 500 of the largest publicly traded companies in the United States. The index performance figures assume the reinvestment of all income, including dividends and capital gains. Past performance is no guarantee of future results. See Important Disclosure Information. https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/cf74f02b-ed3c-45ee-a60b-3b9389d66d46/SJS+Bubble+Graphic.jpg Our Blog - Don’t Let Bubble Talk Burst Your Plan - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.sjsinvest.com/blog/aol-to-ai-how-innovation-keeps-reshaping-market-leadership monthly 0.5 2026-01-16 https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/8270b704-638d-4866-a962-8466ad0299cd/Chart+for+Q4+Outlook.png Our Blog - AOL to AI: How Innovation Keeps Reshaping Market Leadership - Make it stand out Source: Morningstar as of October 31, 2025. The S&P 500 Index is a free float-adjusted market-capitalization-weighted index of 500 of the largest publicly traded companies in the United States. Index performance is measured in US dollars, and assumes reinvestment of all distributions. See Important Disclosure Information. https://www.sjsinvest.com/blog/your-wealth-in-2026-new-year-new-limits monthly 0.5 2026-01-29 https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/87c289b8-e153-4a96-a3b4-30848ed284b0/2026+Key+Retirement+Savings+Changes.png Our Blog - Your Wealth in 2026: New Year, New Limits - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.sjsinvest.com/blog/roaring-returns-2025-market-recap-and-outlook monthly 0.5 2026-01-12 https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/eb4c1c74-048d-45c0-b771-4b42476a5ce8/Roaring+Returns+SJS+Tom+Kelly.png Our Blog - Roaring Returns: 2025 Market Recap and Outlook - Make it stand out Sources: SJS Investment Services, Morningstar. The US stock market is represented by the S&P 500 Total Return Index. Portfolios were ranked each month based on their position within the S&P 500 universe for the time period from 1937 through 2025 and then assigned to discrete quartile groups (bottom quartile, median, top quartile) using non-interpolated breakpoints. Each breakpoint corresponds to the rank of the nearest actual portfolio in the ordered distribution (i.e., no linear interpolation between portfolios). The current returns represent the time frame from 01/01/2023 to 12/31/2025. Best represents the time frame from 01/01/1995 - 12/31/1997. Worst represents the time period from 01/01/2000 - 12/31/2002. Indices are not available for direct investment. Index performance does not reflect the expenses associated with management of an actual portfolio. Index performance is measured in US dollars and assumes reinvestment of all distributions. See Important Disclosure Information. https://www.sjsinvest.com/blog/imagine-peace-of-mind monthly 0.5 2026-01-08 https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/24983ae0-16de-45b8-b7ee-f8932f0607d0/SJS+Brand+Imagine+Peace+of+Mind.jpg Our Blog - Imagine Peace of Mind - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.sjsinvest.com/blog/sjs-quarterly-report-january-2026 monthly 0.5 2026-01-08 https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/6a9830aa-c011-4929-b7bd-47c488b8e242/SJS+Quarterly+Outlook+%E2%80%93+January+2026.jpg Our Blog - SJS Quarterly Report – January 2026 - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.sjsinvest.com/blog/thank-you-isaac-saffold monthly 0.5 2026-01-27 https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/0e681980-2444-41f5-bf84-d070c66faec3/SJS+Isaac+Intern.jpg Our Blog - Thank You Isaac Saffold! - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.sjsinvest.com/blog/important-financial-planning-numbers-for-2026 monthly 0.5 2025-12-29 https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/17c58b48-3b03-489e-b5c5-4ee632b2bdf8/Important-Numbers-2026.png Our Blog - Important Financial Planning Numbers For 2026 - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/2e4c1aa3-77e8-43dc-8176-0ec962915d26/Important-Numbers-2026+2.png Our Blog - Important Financial Planning Numbers For 2026 - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.sjsinvest.com/blog/whats-the-gold-rush monthly 0.5 2025-11-25 https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/1764010726910-RW00E48ZRWKODEYENYCX/unsplash-image-iYsrkq5qq0Q.jpg Our Blog - What's The (Gold) Rush? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/78694f94-f71a-4e2b-88c6-9a2ca6f83db3/Average+Return+on+Gold.png Our Blog - What's The (Gold) Rush? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/49d35832-dbe3-4f30-8f91-71ad622e394f/Investment+Growth+of+Gold.png Our Blog - What's The (Gold) Rush? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.sjsinvest.com/blog/the-power-of-moments-creating-meaningful-experiences-in-life-and-wealth monthly 0.5 2025-11-21 https://www.sjsinvest.com/blog/sjs-book-club-the-good-life monthly 0.5 2025-11-21 https://www.sjsinvest.com/blog/sjs-investment-services-recognized-in-cnbcs-2025-fa-100-list monthly 0.5 2025-11-21 https://www.sjsinvest.com/blog/a-cautionary-tale-of-concentration-amp-exuberance monthly 0.5 2025-11-21 https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/69520ef9-327a-48ff-9ada-d965b348377d/2025+SJS+Outlook+Chart+1.png Our Blog - A Cautionary Tale of Concentration &amp; Exuberance - Make it stand out Source: Morningstar. Stock markets are represented by the following indices: US - S&P 500 Index; International Developed - MSCI World ex USA Net Return USD; Emerging Markets - MSCI Emerging Markets Net Return USD. 12-Month Forward P/E ratio is a stock valuation metric that divides a company's current stock price by its projected earnings per share (EPS) over the next 12 months. See Important Disclosure Information. *Interquartile range reflects the "middle 50%" of the range of historical valuations from the 25th to 75th percentile. https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/88a324e4-be32-48c8-bc41-d3ab946f1618/2025+SJS+Outlook+Chart+2.png Our Blog - A Cautionary Tale of Concentration &amp; Exuberance - Make it stand out Source: Morningstar. Market concentration is measured by the Herfindahl–Hirschman Index (HHI), which in this case is calculated by squaring the market share of each firm in the S&P 500 index and then summing the resulting numbers. See Important Disclosure Information. https://www.sjsinvest.com/blog/am-i-eligible-for-medicare-how-do-i-enroll monthly 0.5 2025-11-21 https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/4870178b-055c-4715-8053-d9540168d291/SJS+2025+AM+I+ELIGIBLE+FOR+MEDICARE+PART+A+%26+PART+B%3F.png Our Blog - Am I Eligible For Medicare &amp; How Do I Enroll? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/7461e71c-2250-4c76-8243-8eeb77038aca/SJS+2025+WILL+I+BE+ENROLLED+AUTOMATICALLY+IN+MEDICARE%3F.png Our Blog - Am I Eligible For Medicare &amp; How Do I Enroll? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.sjsinvest.com/blog/sjs-investment-services-recognized-in-the-forbes-/-shook-2025-list-of-americas-top-ria-firms monthly 0.5 2025-11-21 https://www.sjsinvest.com/blog/sjs-quarterly-outlook-october-2025 monthly 0.5 2025-11-21 https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/62d70791-a62c-4f60-8a19-7b57084960c6/SJS+Quarterly+Outlook+%E2%80%93+October+2025.jpg Our Blog - SJS Quarterly Outlook: October 2025 - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.sjsinvest.com/blog/sjs-welcomes-elizabeth-molique-to-chicago-office monthly 0.5 2025-12-29 https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/b0a6a883-7e7d-4916-b69b-c8bb5d9beea3/SJS+Arizona+Volunteering+Elizabeth+Molique Our Blog - SJS Welcomes Elizabeth Molique to Chicago Office - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.sjsinvest.com/blog/2025-from-capitol-hill-to-main-street-how-the-big-beautiful-bill-impacts-your-business monthly 0.5 2025-11-21 https://www.sjsinvest.com/blog/sjs-investment-services-recognized-in-financial-advisor-magazines-2025-registered-investment-advisor-ranking monthly 0.5 2025-11-21 https://www.sjsinvest.com/blog/unpacking-the-impact-of-the-big-beautiful-bill monthly 0.5 2025-11-21 https://www.sjsinvest.com/blog/sjs-quarterly-outlook-july-2025 monthly 0.5 2025-11-21 https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/009967a2-74da-430d-820d-90902d97f967/SJS+Quarterly+Outlook+%E2%80%93+July+2025.jpg Our Blog - SJS Quarterly Outlook: July 2025 - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.sjsinvest.com/blog/why-responsible-flexibility-matters-at-sjs monthly 0.5 2025-11-21 https://www.sjsinvest.com/blog/how-to-know-a-good-innovation-from-a-bad-one monthly 0.5 2025-11-21 https://www.sjsinvest.com/blog/walking-the-tightrope-the-fed-the-market-and-your-bonds monthly 0.5 2025-11-21 https://www.sjsinvest.com/blog/scott-savage-recognized-in-forbesshook-2025-best-in-state-wealth-advisors-ranking monthly 0.5 2025-11-21 https://www.sjsinvest.com/blog/sjs-outlook-q1-2025 monthly 0.5 2025-11-21 https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/82f10ab4-bf29-4978-a683-aa6cb009cf8e/Q1-Outlook-2025-SJS.jpg Our Blog - SJS Outlook: Q1 2025 - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.sjsinvest.com/blog/sjs-2024-annual-report monthly 0.5 2025-11-21 https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/04b7a389-475b-4562-b883-ad518e115d72/2025+SJS+Annual+Report Our Blog - SJS 2024 Annual Report - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.sjsinvest.com/blog/sjs-welcomes-marketing-director monthly 0.5 2025-11-21 https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/5eab786f-ea6c-4079-a727-17d8edc5163c/RAE2.jpg Our Blog - SJS Welcomes Marketing Director - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.sjsinvest.com/blog/how-much-is-too-much-reflections-from-next-generation-philanthropy monthly 0.5 2025-11-21 https://www.sjsinvest.com/blog/navigating-market-volatility-sjs-perspective monthly 0.5 2025-11-21 https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/7dd30409-b286-4fdc-b952-49ac128134e8/SJS+MarketPlus+Email+Feb.jpg Our Blog - Navigating Market Volatility — SJS Perspective - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.sjsinvest.com/blog/protecting-your-personal-information-and-financial-assets monthly 0.5 2025-11-21 https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/6bccb1d2-0e6f-44d3-8082-d7a546a7de24/SJS+security.png Our Blog - Protecting Your Personal Information and Financial Assets - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.sjsinvest.com/blog/important-financial-planning-numbers-for-2025 monthly 0.5 2025-11-21 https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/019ea2cc-d9c8-4ee8-a38a-316202796a01/2025.01+Important+Financial+Planning+Numbers.JPG Our Blog - Important Financial Planning Numbers For 2025 - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/7280e807-dde4-429b-84ed-6483e23ea385/2025.01+Important+Financial+Planning+Numbers+2.JPG Our Blog - Important Financial Planning Numbers For 2025 - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.sjsinvest.com/blog/the-tale-of-two-curves-what-the-yield-curve-means-for-you monthly 0.5 2025-11-21 https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/1383d5ae-d2bb-4e56-aa35-6ec51c7808d0/US+Treasury+Yield+Cruve.png Our Blog - The Tale Of Two Curves: What The Yield Curve Means For You - Make it stand out Source: “Daily Treasury Par Yield Curve Rates”. U.S. Department of the Treasury, 02-Jan-2024 through 31-Dec-2024, treasury.gov. See Important Disclosure Information. https://www.sjsinvest.com/blog/planning-financially-for-the-new-year-2025 monthly 0.5 2025-11-21 https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/2342028a-b940-4d61-a4eb-1ba8b52a6ab5/2025+Retirement+Plan+Contribution+Limits.png Our Blog - Planning Financially For The New Year - Make it stand out Source: “Retirement Topics - Contributions”. IRS, irs.gov. See Important Disclosure Information https://www.sjsinvest.com/blog/what-a-difference-a-year-makes-sjs-puppy monthly 0.5 2025-11-21 https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/459f6a69-5e9e-43d5-a372-d801e0cb0833/2024.10+Lira+-+Ability+Center+Dog.jpg Our Blog - What A Difference A Year Makes: SJS Puppy - Make it stand out Katie Floyd and Katie Cristofoli overrun by active pups. https://www.sjsinvest.com/blog/letter-of-gratitude-excitement monthly 0.5 2025-11-21 https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/1732121638814-IYLAEKOD6BY6VMQJINV8/2024.10+SJS+Team+Event+-+Brookwood+Metropark+3.jpg Our Blog - Letter Of Gratitude &amp; Excitement - Make it stand out SJS Team at Brookwood Metropark in Toledo, Ohio. https://www.sjsinvest.com/blog/sjs-outlook-q4-2024 monthly 0.5 2025-11-21 https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/297efa58-5c89-4aae-b3fd-f1a4b6facf1c/2025.01+Q4+2024+SJS+Outlook.JPG Our Blog - SJS Outlook: Q4 2024 - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.sjsinvest.com/blog/sjs-investment-services-recognized-in-cnbcs-2024-fa-100-list monthly 0.5 2025-11-21 https://www.sjsinvest.com/blog/sjs-investment-services-recognized-in-the-forbes-/-shook-2024-list-of-americas-top-ria-firms monthly 0.5 2025-11-21 https://www.sjsinvest.com/blog/new-sjs-perrysburg-ohio-office monthly 0.5 2025-11-21 https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/0f2caff6-323e-40a9-bad0-0195da91769d/2024.06+SJS+Perrysburg+Office.jpg Our Blog - New SJS Perrysburg, Ohio Office! - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.sjsinvest.com/blog/election-time monthly 0.5 2025-11-21 https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/fd4cad31-26fb-45cb-b009-22d7172770b7/2024.09+Growth+Of+The+S%26P+500+By+Political+Party+Presidency.png Our Blog - Election Time - Make it stand out Source: Morningstar, as of September 30, 2024. There is no guarantee investment strategies will be successful. Past performance is no guarantee of future results. Diversification neither assures a profit nor guarantees against a loss in a declining market. Indices are not available for direct investment. Index performance does not reflect the expenses associated with management of an actual portfolio. Index performance is measured in US dollars. The index performance figures assume the reinvestment of all income, including dividends and capital gains. The S&P 500 Index is a free float-adjusted market-capitalization-weighted index of 500 of the largest publicly traded companies in the United States. See Important Disclosure Information. https://www.sjsinvest.com/blog/financial-to-dos-before-the-end-of-the-year monthly 0.5 2025-11-21 https://www.sjsinvest.com/blog/sjs-outlook-q3-2024 monthly 0.5 2025-11-21 https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/af1f57ad-4d4f-4661-8c06-2bb4beb4523b/2024.Q3+SJS+Outlook.JPG Our Blog - SJS Outlook: Q3 2024 - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.sjsinvest.com/blog/sjs-welcomes-ryan-stoller monthly 0.5 2025-11-21 https://www.sjsinvest.com/blog/thank-you-elizabeth-molique-isabelle-szenderski monthly 0.5 2025-11-21 https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/e1e64476-2dc2-4631-bcbb-ad050c4eb26d/2024+Elizabeth+Molique+2.jpg Our Blog - Thank You Elizabeth Molique &amp; Isabelle Szenderski! - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/889b0cce-9c37-4117-b259-f7f61a646b0a/2024.06+Izzy+Szenderski+2.jpg Our Blog - Thank You Elizabeth Molique &amp; Isabelle Szenderski! - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.sjsinvest.com/blog/sjs-investment-services-recognized-in-financial-advisor-magazines-2024-registered-investment-advisor-ranking monthly 0.5 2025-11-21 https://www.sjsinvest.com/blog/40-years-of-trust monthly 0.5 2025-11-21 https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/ba93227f-9eae-4e58-840f-1fe80d40848a/2024.06+SJS+20-Year+Team.jpg Our Blog - 40 Years Of Trust - Make it stand out SJS 20-Year Club: Kirk Ludwig, Kevin Kelly, Meredith Sleet, Scott J. Savage, Jeff Yost. https://www.sjsinvest.com/blog/earning-more-interest-on-your-cash monthly 0.5 2025-11-21 https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/9b3b3a8c-7594-423a-91de-0f152e11210d/2024.07+Cash+Savings+Graph.png Our Blog - Earning More Interest On Your Cash - Make it stand out Sources: Average Interest-Bearing Checking Account and Average Savings Account: "Bankers Resource Center: National Rates and Rate Caps". FDIC, 20-May-2024, fdic.gov. Schwab Value Advantage Money Fund (SWVXX): "Schwab Value Advantage Money Fund® - Investor Shares". Charles Schwab, 31-May- 2024, schwabassetmanagement.com. One-Month Treasury Bill: "Daily Treasury Par Yield Curve Rates". U.S. Department of the Treasury, 31-May-2024, treasury.gov. Dimensional Ultrashort Bond ETF: "DUSB: Ultrashort Fixed Income ETF". Dimensional Fund Advisors, 31-May-2024, dimensional.com. Yield will not necessarily equal realized returns. See Important Disclosure Information. https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/917e73b7-85a1-451a-ab14-bcc49cc091b9/2024.06.30+U.S.+Treasury+Yield+Curve.png Our Blog - Earning More Interest On Your Cash - Make it stand out Source: U.S. Department of the Treasury, as of June 30, 2024. See Important Disclosure Information. https://www.sjsinvest.com/blog/sjs-outlook-q2-2024 monthly 0.5 2025-11-21 https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/b873111d-569f-4bdc-80fd-f98f44b89443/2024.07+Q2+2024+SJS+Outlook.JPG Our Blog - SJS Outlook: Q2 2024 - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.sjsinvest.com/blog/five-graduating-high-school-students-shadow-sjs-investment-services monthly 0.5 2025-11-21 https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/232bb0db-257e-4222-bd82-4ec38ada3428/2024.05+Andrew+Balcerzak+Headshot.jpg Our Blog - Five Graduating High School Students Shadow SJS Investment Services - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/7013267b-f916-498f-821e-09b7cd7a6ee1/2024.05+Declan+Loisel+Headshot.jpg Our Blog - Five Graduating High School Students Shadow SJS Investment Services - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/abb3125d-b364-450a-a13f-2190bddea14c/2024.05+Evan+Skolmowski+Headshot.jpg Our Blog - Five Graduating High School Students Shadow SJS Investment Services - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/7debe0f8-f679-411c-80e9-9b60b22caa8a/2024.05+Jude+Dzierwa+Headshot.jpg Our Blog - Five Graduating High School Students Shadow SJS Investment Services - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/b8ce00e3-0c68-492f-b94c-0ff6564cbf80/2024.05+Travis+Friddell+Headshot.jpg Our Blog - Five Graduating High School Students Shadow SJS Investment Services - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.sjsinvest.com/blog/sjs-welcomes-robert-schaefer monthly 0.5 2025-11-21 https://www.sjsinvest.com/blog/scott-savage-recognized-in-the-forbes-/-shook-2024-best-in-state-wealth-advisors-ranking monthly 0.5 2025-11-21 https://www.sjsinvest.com/blog/our-family-has-grown-by-four-feet monthly 0.5 2025-11-21 https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/778f55bf-1bb7-452a-9241-9daf3a665c5a/2024.01+Katie+Cristofoli+and+Katie+Floyd+With+Dogs+At+The+Ability+Center.png Our Blog - Our Family Has Grown By Four Feet! - Make it stand out Katie Floyd and Katie Cristofoli overrun by active pups. https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/b25d3ab5-1fe4-4cb3-99c7-dac341864102/2024.01+Ryan+Walter+With+Dogs+At+The+Ability+Center.png Our Blog - Our Family Has Grown By Four Feet! - Make it stand out Ryan Walter taking one for the team. https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/d6c39ee5-c171-4e6f-b509-ed542bcba4ed/Lira-2.jpg Our Blog - Our Family Has Grown By Four Feet! - Make it stand out Lira playing with her toy. https://www.sjsinvest.com/blog/standing-on-the-shoulders-of-giants-the-evolution-of-marketplus-investing monthly 0.5 2025-11-21 https://www.sjsinvest.com/blog/protecting-your-personal-information-financial-assets monthly 0.5 2025-11-21 https://www.sjsinvest.com/blog/sjs-outlook-q1-2024 monthly 0.5 2025-11-21 https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/5403820b-b900-4cd8-8dbd-e84c749a2195/2024.04+Q1+2024+SJS+Outlook.JPG Our Blog - SJS Outlook: Q1 2024 - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.sjsinvest.com/blog/inside-marketplus-investing-fund-spotlight-srdax monthly 0.5 2025-11-21 https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/4527ddaa-2f9c-4453-bb50-ded72b623e50/2023.12.31+SRDAX+Total+Return+Since+Inception.png Our Blog - Inside MarketPlus® Investing – Fund Spotlight: SRDAX - Make it stand out Source: Stone Ridge Asset Management. Data from April 30, 2020 (inception of the fund) through December 29, 2023. Total return includes reinvestment of all distributions. Tax implications are not considered. Past performance does not guarantee future results. Short-term results may not be indicative of long-term performance. See Important Disclosure Information. https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/bbe3cee0-2dd6-4adb-92d8-35683fbacce2/2023.12.31+SRDAX+Performance+Comparison.JPG Our Blog - Inside MarketPlus® Investing – Fund Spotlight: SRDAX - Make it stand out Source: Stone Ridge Asset Management, Morningstar. The MSCI All Country World Index captures large and mid cap representation across 23 developed market and 24 emerging market countries, covering approximately 85% of the global investable equity opportunity set. The Bloomberg U.S. Aggregate Bond Index measures the performance of investment grade, U.S. dollar-denominated, fixed-rate taxable bond market. Indices are not available for direct investment. Index performance does not reflect the expenses associated with management of an actual portfolio. Index performance is measured in US dollars. The index performance figures assume the reinvestment of all income, including dividends and capital gains. Tax implications are not considered. See Important Disclosure Information. https://www.sjsinvest.com/blog/planning-financially-for-the-new-year-2 monthly 0.5 2025-11-21 https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/066d9045-ae99-4eec-9b51-bd26e53932a8/2024+Retirement+Plan+Contribution+Limits.png Our Blog - Planning (Financially) For The New Year - Make it stand out Source: “Retirement Topics - Contributions“. IRS, irs.gov. See Important Disclosure Information https://www.sjsinvest.com/blog/small-town-values monthly 0.5 2025-11-21 https://www.sjsinvest.com/blog/sjs-outlook-q4-2023 monthly 0.5 2025-11-21 https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/ab6aa8f2-7d10-495e-82ec-4faa27a82d40/2024.01+Q4+2023+SJS+Outlook.JPG Our Blog - SJS Outlook: Q4 2023 - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.sjsinvest.com/blog/sjs-welcomes-jeff-lewis monthly 0.5 2025-11-21 https://www.sjsinvest.com/blog/welcome-back-molly-laclair monthly 0.5 2025-11-21 https://www.sjsinvest.com/blog/important-financial-planning-numbers-for-2024 monthly 0.5 2025-11-21 https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/cdb2758f-ccd1-40f6-9ff1-c83bdbc63591/2024+Important+Numbers.JPG Our Blog - Important Financial Planning Numbers For 2024 - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/64ca8158-e3a5-4218-91a7-6b8017847846/2024+Important+Numbers+2.JPG Our Blog - Important Financial Planning Numbers For 2024 - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.sjsinvest.com/blog/sjs-investment-services-recognized-in-the-forbes-/-shook-2023-list-of-americas-top-ria-firms monthly 0.5 2025-11-21 https://www.sjsinvest.com/blog/you-cant-take-it-with-you monthly 0.5 2025-11-21 https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/313b468a-14e5-4a22-bc10-560e290e867e/2023.09+Donating+To+Charity+Example.png Our Blog - You Can't Take It With You - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.sjsinvest.com/blog/growing-your-cash monthly 0.5 2025-11-21 https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/828db518-185c-4ff8-941b-0f7eba667d9b/2023.09+Yield+Over+Time.png Our Blog - Growing Your Cash - Make it stand out See Important Disclosure Information.[1][2][3] https://www.sjsinvest.com/blog/in-the-hopes-of-a-soft-landing-there-may-be-a-crack-in-the-foundation monthly 0.5 2025-11-21 https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/96f6856a-94a4-44ea-9b28-43c864b2c17b/2023.09+30-Year+Fixed+Rate+Mortgage+Average+In+The+U.S..png Our Blog - In The Hopes Of A "Soft Landing", There May Be A Crack In The Foundation - Make it stand out Source: “30-Year Fixed Rate Mortgage Average in the United States”. Federal Reserve Bank of St. Louis, 1971-2023, fred.stlouisfed.org. See Important Disclosure Information. https://www.sjsinvest.com/blog/sjs-outlook-q3-2023 monthly 0.5 2025-11-21 https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/157db49c-99c9-48dd-9127-b137d5d20303/2023.10+Q3+2023+SJS+Outlook.JPG Our Blog - SJS Outlook: Q3 2023 - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.sjsinvest.com/blog/sjs-investment-services-recognized-in-cnbcs-2023-fa-100-list monthly 0.5 2025-11-21 https://www.sjsinvest.com/blog/international-samaritan-walking-hand-in-hand-with-families-in-garbage-dump-communities monthly 0.5 2025-11-21 https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/ac257984-eb0f-4388-af38-b39bbac3c59c/2023.09+International+Samaritan+-+Francisco+Coll+School.jpg Our Blog - International Samaritan: Walking Hand-In-Hand With Families In Garbage Dump Communities - Make it stand out 2022 - Francisco Coll School in Guatemala https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/8ef1a870-84b0-401b-ac2e-8d7275a71b19/2023.09+International+Samaritan+-+2011+Students.JPG Our Blog - International Samaritan: Walking Hand-In-Hand With Families In Garbage Dump Communities - Make it stand out 2011 - A classmate and I with two young students from the Francisco Coll School https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/c1c4b23d-1b31-4652-ad2a-7f91fdf619d4/2023.09+International+Samaritan+-+2022+Group+%26+Teachers.jpg Our Blog - International Samaritan: Walking Hand-In-Hand With Families In Garbage Dump Communities - Make it stand out 2022 - Teachers, staff members, and group members at the Francisco Coll School https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/5bc3922b-4c50-4751-b4f5-d40322782a2f/2023.09+International+Samaritan+-+2022+Guatemala+5K.jpg Our Blog - International Samaritan: Walking Hand-In-Hand With Families In Garbage Dump Communities - Make it stand out 2022 - International Samaritan 5K run with students in Guatemala https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/53b185f5-3ff9-4ed3-9ae9-7569bd70eee6/2023.09+International+Samaritan+-+2011+Group+Photo.jpg Our Blog - International Samaritan: Walking Hand-In-Hand With Families In Garbage Dump Communities - Make it stand out 2011 - My classmates and I at the Francisco Coll School in Guatemala with Juan Carlos, who drove us around during the trip https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/d4e52aef-a074-49af-a6f0-15e7ee110149/2023.09+International+Samaritan+-+2011+Painting+In+Guatemala.jpg Our Blog - International Samaritan: Walking Hand-In-Hand With Families In Garbage Dump Communities - Make it stand out 2011 - Painting at the Francisco Coll School https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/ee96ca91-0e34-46d6-b216-bd8877546789/2023.09+International+Samaritan+-+2022+Group+%26+Students.jpg Our Blog - International Samaritan: Walking Hand-In-Hand With Families In Garbage Dump Communities - Make it stand out 2022 - Students at the Family Life Center in Guatemala https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/90e72a28-049c-4304-8ece-ff1c1a3c24ba/2023.09+International+Samaritan+-+2022+Elementary+School+Graduation.jpg Our Blog - International Samaritan: Walking Hand-In-Hand With Families In Garbage Dump Communities - Make it stand out 2022 - Watching a grade school graduation ceremony practice in Guatemala https://www.sjsinvest.com/blog/sjs-investment-services-recognized-in-financial-advisor-magazines-2023-ria-ranking monthly 0.5 2025-11-21 https://www.sjsinvest.com/blog/empowering-our-team-to-build-up-our-community monthly 0.5 2025-11-21 https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/ee384d7a-b085-4547-b284-9c60f7922329/2023.06+Metroparks+Toledo+Commissioners+%26+Community.jpg Our Blog - Empowering Our Team To Build Up Our Community - Make it stand out Glass City Metropark Phase 2 Grand Opening. Photo: Metroparks Toledo. https://www.sjsinvest.com/blog/sjs-outlook-q2-2023 monthly 0.5 2025-11-21 https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/68053fef-94d1-4aae-98b3-5c33a2934fbb/2023.Q2+SJS+Outlook.JPG Our Blog - SJS Outlook: Q2 2023 - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.sjsinvest.com/blog/unexpected-good-news-market-performance-so-far-in-2023 monthly 0.5 2025-11-21 https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/6110852d-c5fa-4a9f-b170-f73fdfa2f77f/2023.06+Year-To-Date+Asset+Class+Returns.png Our Blog - Unexpected Good News: Market Performance So Far In 2023 - Make it stand out Source: Morningstar, as of June 30, 2023. The asset classes are represented by the following indices: U.S. Stocks - Russell 3000 Index (measures performance of the 3,000 largest U.S. companies representing roughly 96% of the investable U.S. stock market); International Stocks - MSCI All Country World Ex USA IMI Index (Gross Div.) (measures performance of approximately 99% of the global stock opportunity set outside of the U.S.); U.S. Bonds - Bloomberg U.S. Aggregate Bond Index (tracks performance of the U.S. investment-grade bond market); International Bonds - Bloomberg Global Aggregate Ex-USD Bond Index (Hedged To USD) (measures the performance of international investment grade bonds, with currency exposure hedged to the U.S. dollar); Global Real Estate - S&P Global REIT Index (Gross Div.) (tracks performance of publicly traded equity REITS globally). The index performance figures assume the reinvestment of all income, including dividends and capital gains. See Important Disclosure Information. https://www.sjsinvest.com/blog/leadership-toledo-inspiring-community-involvement monthly 0.5 2025-11-21 https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/88e23d45-7c8f-48a8-91d2-73de972793cb/2023.06+Leadership+Toledo+Signature+Program+Cohort+Metroparks+Group+Photo.jpg Our Blog - Leadership Toledo: Inspiring Community Involvement - Make it stand out 2022-2023 Leadership Toledo Signature Program Cohort at the Opening Retreat at Oak Openings Preserve Metropark. Source: Leadership Toledo. https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/c53a9243-fcaf-4b84-b4c8-d39304146cd2/2023.06+Leadership+Toledo+Signature+Program+Cohort+Group+Photo.jpg Our Blog - Leadership Toledo: Inspiring Community Involvement - Make it stand out 2022-2023 Leadership Toledo Signature Program Cohort at the Criminal Justice Day. Source: Leadership Toledo. https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/ac87b314-bc35-4cf7-9326-b5169952cc2f/2023.06+Leadership+Toledo+-+Cherry+Street+Mission+Team.jpg Our Blog - Leadership Toledo: Inspiring Community Involvement - Make it stand out Team for the Cherry Street Mission project. Source: Cherry Street Mission Ministries. https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/93149b9d-f772-41e4-bb62-2d903ea0a22e/2023.06+Leadership+Toledo+Signature+Program+Cohort.jpg Our Blog - Leadership Toledo: Inspiring Community Involvement - Make it stand out 2022-2023 Leadership Toledo Signature Program Cohort at the Closing Retreat. Source: Leadership Toledo. https://www.sjsinvest.com/blog/sjs-2022-annual-report monthly 0.5 2025-11-21 https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/cb0e72e6-9259-4673-b0d2-d88f816b5e4d/2022+Annual+Report+-+SJS+Investment+Services.JPG Our Blog - SJS 2022 Annual Report - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.sjsinvest.com/blog/sjs-outlook-q1-2023 monthly 0.5 2025-11-21 https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/76f06af4-7977-474e-99ea-85abb8a57e44/2023.Q1+SJS+Outlook.JPG Our Blog - SJS Outlook: Q1 2023 - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.sjsinvest.com/blog/your-legacy monthly 0.5 2025-11-21 https://www.sjsinvest.com/blog/tomorrows-headlines-today monthly 0.5 2025-11-21 https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/69bf4c54-7406-4585-bb40-2a3645e91c55/2023.Q1+MSCI+ACWI+Sector+Returns.png Our Blog - Tomorrow's Headlines Today - Make it stand out Source: Morningstar, as of March 31, 2023. The MSCI ACWI Index is a free float-adjusted market capitalization weighted index designed to measure the equity market performance of developed and emerging markets, consisting of 47 country indices comprising 23 developed and 24 emerging market country indices. Indices are not available for direct investment. Index performance does not reflect the expenses associated with management of an actual portfolio. Index performance is measured in US dollars. The index performance figures assume the reinvestment of all income, including dividends and capital gains. See Important Disclosure Information. https://www.sjsinvest.com/blog/how-the-secure-20-act-may-impact-your-finances monthly 0.5 2025-11-21 https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/47434922-69a1-4df8-896b-fe5f67f52295/2023.Q1+RMD+Beginning+Ages.JPG Our Blog - How The SECURE 2.0 Act May Impact Your Finances - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.sjsinvest.com/blog/the-not-so-wonderful-bank-run monthly 0.5 2025-11-21 https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/aaf648f3-e843-4359-a5bf-d61d38974627/2023.03.20+Commercial+Bank+Deposits.png Our Blog - The Not So Wonderful Bank Run - Make it stand out Source: “Deposits, All Commercial Banks“. Federal Reserve Bank of St. Louis, 15-Mar-2023, fred.stlouisfed.org. https://www.sjsinvest.com/blog/word-of-the-year-gratitude monthly 0.5 2025-11-21 https://www.sjsinvest.com/blog/courageous-community-services-promoting-healthy-lifestyles monthly 0.5 2025-11-21 https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/9b64f0dd-ae18-418c-b429-eb78553d6a06/2023.02.03+Courageous+Community+Services+1.png Our Blog - Courageous Community Services: Promoting Healthy Lifestyles - Make it stand out Source: “A Day in the Life of a Camper“. Courageous Community Services, ccsohio.org. https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/2edb7d9a-4cc3-4b10-85b3-7cee663f7cbc/2023.02.03+Courageous+Community+Services+2.png Our Blog - Courageous Community Services: Promoting Healthy Lifestyles - Make it stand out Source: “Peer Buddies“. Courageous Community Services, ccsohio.org. https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/81dc15ec-dd16-4662-a1bc-d7f59aba1ff6/2023.02.03+Courageous+Community+Services+3.png Our Blog - Courageous Community Services: Promoting Healthy Lifestyles - Make it stand out Source: “Agreement Will Preserve Natural Area While Enhancing Services for People With Disabilities“. Metroparks Toledo, 18-Aug-2020, metroparkstoledo.com. https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/feff65f0-0cda-43e9-902e-41b44ca6846a/2023.02.03+Courageous+Community+Services+4.png Our Blog - Courageous Community Services: Promoting Healthy Lifestyles - Make it stand out Source: “Advocacy“. Courageous Community Services, ccsohio.org. https://www.sjsinvest.com/blog/sjs-welcomes-rachel-keesey monthly 0.5 2025-11-21 https://www.sjsinvest.com/blog/sjs-outlook-q4-2022 monthly 0.5 2025-11-21 https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/6f03fb36-8f4f-4dc7-b90e-7c0840a6da27/2023.01.05+SJS+Outlook+2022+Q4.JPG Our Blog - SJS Outlook: Q4 2022 - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.sjsinvest.com/blog/what-a-difference-a-year-makes-bonds monthly 0.5 2025-11-21 https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/2cf6659c-bc9e-4a64-845a-01bae2eedb9f/2023.01.05+U.S.+Treasury+Yield+Curve+Shift.png Our Blog - What A Difference A Year Makes: Bonds - Make it stand out Source: “Daily Treasury Par Yield Curve Rates“. U.S. Department of the Treasury, treasury.gov. https://www.sjsinvest.com/blog/planning-financially-for-the-new-year monthly 0.5 2025-11-21 https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/3531fb1d-bbba-410d-b82e-a0e6127fe22e/2023.01.05+Retirement+Plan+Contribution+Limits.JPG Our Blog - Planning (Financially) For The New Year - Make it stand out Source: “Retirement Topics - Contributions“. IRS, irs.gov. https://www.sjsinvest.com/blog/5-investing-lessons-learned-re-learned-in-2022 monthly 0.5 2025-11-21 https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/93c3fc21-5bca-4e8d-8710-93275e2765fe/2022.12.16+MSCI+ACWI+Annual+Returns+%26+Intra-Year+Drawdowns.png Our Blog - 5 Investing Lessons Learned &amp; Re-learned In 2022 - Make it stand out Source: Morningstar, as of November 30, 2022. Returns are based on total return of the MSCI All Country World Index, which is a free float-adjusted market capitalization weighted index designed to measure the equity market performance of developed and emerging markets. Intra-year drops refers to the largest market drops from a peak to a trough during the year. For illustrative purposes only. See Important Disclosure Information.[1] https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/34be8f81-7ba4-4449-8f3f-15dc9cf47304/2022.12.16+U.S.+Treasury+Yield+Curve+Shift.png Our Blog - 5 Investing Lessons Learned &amp; Re-learned In 2022 - Make it stand out Source: Department of U.S. Treasury, as of November 30, 2022. See Important Disclosure Information. https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/e5e8164d-7793-461a-8f0f-68e1dbf7a143/2022.12.16+Bloomberg+U.S.+Aggregate+Bond+Index+Annual+Returns+%26+Intra-Year+Drawdowns.png Our Blog - 5 Investing Lessons Learned &amp; Re-learned In 2022 - Make it stand out Source: Morningstar, as of November 30, 2022. Returns are based on total return of the Bloomberg US Aggregate Bond Index, which is a broad base, market capitalization-weighted bond market index representing intermediate term investment grade bonds traded in the United States. Intra-year drops refers to the largest market drops from a peak to a trough during the year. For illustrative purposes only. See Important Disclosure Information.[2] https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/ebdc586d-8594-4b8c-9e69-1af708a9d8a9/2022.12.16+Fixed+Income+Durations+%26+YTD+Returns.png Our Blog - 5 Investing Lessons Learned &amp; Re-learned In 2022 - Make it stand out Sources: Morningstar, S&P as of November 30, 2022. Duration measures a bond’s or fixed income portfolio’s price sensitivity to interest rate changes. The S&P indices are broad, comprehensive, market-value weighted indices that seeks to measure the performance of their respective markets. See Important Disclosure Information. https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/2aedf0d0-b5b7-4a53-a960-c383b698c3de/2022.12.16+Growth+of+S%26P+500.JPG Our Blog - 5 Investing Lessons Learned &amp; Re-learned In 2022 - Make it stand out -Sources: NBER, Morningstar, as of November 30, 2022. Recession start and end dates are based on the US Business Cycle Expansions and Contractions data from the NBER. Gray shaded areas represent periods of recession. The S&P 500 Index is a free float-adjusted market-capitalization-weighted index of 500 of the largest publicly traded companies in the United States. The S&P 500 total return index assumes reinvestment of all distributions. See Important Disclosure Information. https://www.sjsinvest.com/blog/four-high-school-seniors-intern-with-sjs-investment-services monthly 0.5 2025-11-21 https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/9c43476b-0f4a-44ab-a207-4f8db2ff7e22/2022.12.08+Kleiston+Bonnell.png Our Blog - Four High School Seniors Intern With SJS Investment Services - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/dcbf13c8-f7b8-4245-82e2-1204838093d2/2022.12.08+CJ+Hornbeak.png Our Blog - Four High School Seniors Intern With SJS Investment Services - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/1fc6958c-90ae-4e36-8c8c-a6c3c1ea5b4f/2022.12.08+Beckham+Schmitz.png Our Blog - Four High School Seniors Intern With SJS Investment Services - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/6c3f1891-85bb-4ef1-a771-028ba6d741b4/2022.12.08+Zachary+Zitkovic.png Our Blog - Four High School Seniors Intern With SJS Investment Services - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.sjsinvest.com/blog/important-financial-planning-numbers-for-2023 monthly 0.5 2025-11-21 https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/1668091671283-4N7BLPGYIR9B3HU9FZYA/2022.11.15+Important+Financial+Numbers+For+2023.JPG Our Blog - Important Financial Planning Numbers For 2023 - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/1668091723517-TXJJTOSS30A83A5PHTOR/2022.11.15+Important+Financial+Numbers+For+2023+2.JPG Our Blog - Important Financial Planning Numbers For 2023 - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.sjsinvest.com/blog/what-financial-issues-should-you-consider-before-year-end monthly 0.5 2025-11-21 https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/1668018058262-TBMYAY96TD5WQY3YJYKX/2022.11.10+What+Issues+Should+I+Consider+Before+The+End+Of+The+Year.JPG Our Blog - What Financial Issues Should You Consider Before Year-End? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/1668018098437-EZ046JALZDTGAVTBG531/2022.11.10+What+Issues+Should+I+Consider+Before+The+End+Of+The+Year+2.JPG Our Blog - What Financial Issues Should You Consider Before Year-End? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.sjsinvest.com/blog/sjs-investment-services-recognized-in-the-forbes-shook-research-2022-list-of-americas-top-ria-firms monthly 0.5 2025-11-21 https://www.sjsinvest.com/blog/the-gold-rush monthly 0.5 2025-11-21 https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/1667495615846-900HN9CY4GB51JCTALBB/2022.11.03+Gold+vs.+Inflation.png Our Blog - The Gold Rush? - Make it stand out Sources: Morningstar, as of September 2022. Inflation is represented by the Consumer Price Index for All Urban Consumer (CPI–U), not seasonally adjusted. The Gold Spot Price is based on USD returns from composite prices from Bloomberg. See Important Disclosure Information.[3][4] https://www.sjsinvest.com/blog/metroparks-toledo-redefining-our-region monthly 0.5 2025-11-21 https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/1665497239126-OS4CQ7NUWJSPX418YW0S/2022.10.11+Oak+Openings+Preserve+Metropark.png Our Blog - Metroparks Toledo: Redefining Our Region - Make it stand out Source: “Oak Openings Preserve Metropark”. Metroparks Toledo, metroparkstoledo.com. https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/1665497301502-LQ3T20R0NY317RC32TCA/2022.10.11+Providence+River+Bluff+Trail.png Our Blog - Metroparks Toledo: Redefining Our Region - Make it stand out Source: “Providence River Bluff Trail”. Metroparks Toledo, metroparkstoledo.com. https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/1663937446711-3ZYHHLZHAJUQA3AH10NW/2022.09.23+Glass+City+Riverwalk.jpg Our Blog - Metroparks Toledo: Redefining Our Region - Make it stand out Source: “The Glass City Riverwalk”. Metroparks Toledo, metroparkstoledo.com. https://www.sjsinvest.com/blog/helping-your-parents-financially-prepare-for-the-future monthly 0.5 2025-11-21 https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/1665073073701-UMHS2YHRPKVDPJH9IFUA/2022.10.06+What+Issues+Should+I+Consider+For+My+Aging+Parents.JPG Our Blog - Helping Your Parents Financially Prepare For The Future - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/1665073098407-6AEUQW1EEADJ0VTO1OF7/2022.10.06+What+Issues+Should+I+Consider+For+My+Aging+Parents+2.JPG Our Blog - Helping Your Parents Financially Prepare For The Future - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.sjsinvest.com/blog/stories-of-giving-achievement-the-series monthly 0.5 2025-11-21 https://www.sjsinvest.com/blog/sjs-outlook-q3-2022 monthly 0.5 2025-11-21 https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/1665000686469-17RAAZPLLB8334DLNKFQ/2022.10.05+SJS+Q3+2022+Outlook.JPG Our Blog - SJS Outlook: Q3 2022 - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.sjsinvest.com/blog/this-too-shall-pass monthly 0.5 2025-11-21 https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/1665077395168-RCH4GBKEUR4O637KLDJM/unsplash-image-sp-p7uuT0tw.jpg Our Blog - This Too Shall Pass - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/1665077438648-YFB788XA1FG30RM1R4T5/2022.10.04+Russell+3000+Performance.JPG Our Blog - This Too Shall Pass - Make it stand out Source: Russell Indexes, Jan 1979 – Sep 2022. https://www.sjsinvest.com/blog/sjs-welcomes-ryan-walter monthly 0.5 2025-11-21 https://www.sjsinvest.com/blog/supporting-you-at-a-time-of-loss monthly 0.5 2025-11-21 https://www.sjsinvest.com/blog/what-should-you-do-about-a-recession monthly 0.5 2025-11-21 https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/1661792727255-UNMFFEARA3383BYW15YT/2022.08.30+Recessions+Since+1928.png Our Blog - What Should You Do About A Recession? - Make it stand out Source: “US Business Cycle Expansions and Contractions“. NBER, nber.org. https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/1661792611589-SOEZJ18N361IYPP7OKJJ/2022.08.30+Growth+Of+S%26P+500+Before+Recession.png Our Blog - What Should You Do About A Recession? - Make it stand out Sources: Dimensional Returns Web, NBER, Morningstar. Recession start dates are based on the US Business Cycle Expansions and Contractions data from the National Bureau of Economic Research. The S&P 500 total return index assumes reinvestment of all distributions. See Important Disclosure Information. https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/1661792457792-1UW2DAEJE3PJ9UMD4LHL/2022.08.30+Growth+Of+S%26P+500+After+Recession.png Our Blog - What Should You Do About A Recession? - Make it stand out Sources: Dimensional Returns Web, NBER, Morningstar. Recession start dates are based on the US Business Cycle Expansions and Contractions data from the National Bureau of Economic Research. The S&P 500 total return index assumes reinvestment of all distributions. See Important Disclosure Information. https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/1661793258266-HAQLHWRM5YNKPN9V2PJB/2022.08.30+Growth+Of+S%26P+500+Since+1926.png Our Blog - What Should You Do About A Recession? - Make it stand out Sources: Dimensional Returns Web, NBER, Morningstar. Gray shaded areas represent periods of recession. Recession start and end dates are based on the US Business Cycle Expansions and Contractions data from the National Bureau of Economic Research. The S&P 500 total return index assumes reinvestment of all distributions. See Important Disclosure Information. https://www.sjsinvest.com/blog/inflation-protection-through-series-i-savings-bonds monthly 0.5 2025-11-21 https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/1660755482254-OGO22GVJIUFE1PD55G8I/2022.08.17+1-Year+Inflation+Rate.JPG Our Blog - Inflation Protection Through Series I Savings Bonds - Make it stand out Source: FRED, as of July 31, 2022. See Important Disclosure Information. https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/1660755607015-EB0N27H2RC90R36UD0JM/2022.08.17+1-Year+Growth+Of+Wealth.JPG Our Blog - Inflation Protection Through Series I Savings Bonds - Make it stand out Sources: Dimensional Returns Web, U.S. Bureau of Labor Statistics. See Important Disclosure Information. https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/1661348057570-28JUZQSZZUDQ4G9CLRGA/2022.08.17+Series+I+Savings+Bonds+Interest+Rates.JPG Our Blog - Inflation Protection Through Series I Savings Bonds - Make it stand out Source: “Series I Savings Bonds Rates & Terms: Calculating Interest Rates“. U.S. Department of the Treasury, Bureau of the Fiscal Service, treasurydirect.gov. https://www.sjsinvest.com/blog/when-a-client-dies monthly 0.5 2025-11-21 https://www.sjsinvest.com/blog/how-should-you-donate-to-charitable-organizations monthly 0.5 2025-11-21 https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/1659101579127-FA3ALLNYXPL16PQQCMMJ/2022.07.29+Ways+To+Donate.png Our Blog - How Should You Donate To Charitable Organizations? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/1696274977487-LVOR1V2E0ESUULSZOOVJ/image-asset.jpeg Our Blog - How Should You Donate To Charitable Organizations? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/1696275021901-TRVRTESSBDRD0EDDN0L5/image-asset.jpeg Our Blog - How Should You Donate To Charitable Organizations? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.sjsinvest.com/blog/should-you-pay-off-your-mortgage-early monthly 0.5 2025-11-21 https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/1658859541229-DCLV4F4U0G3VNVJXXB8Q/2022.07.28+Should+I+Pay+Off+My+Mortgage+Early.JPG Our Blog - Should You Pay Off Your Mortgage Early? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.sjsinvest.com/blog/sjs-investment-services-recognized-in-financial-advisor-magazines-2022-ria-ranking monthly 0.5 2025-11-21 https://www.sjsinvest.com/blog/sjs-outlook-q2-2022 monthly 0.5 2025-11-21 https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/1657053601122-Y81DU5OVREO5ME5XA6QN/2022.07.05+SJS+Q2+2022+Outlook.JPG Our Blog - SJS Outlook: Q2 2022 - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.sjsinvest.com/blog/what-is-driving-inflation-and-what-can-you-do-about-it monthly 0.5 2025-11-21 https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/1656524537869-5SHE7WK86ZTFRZ8978IS/2022.07.01+One-Year+Inflation+Rate.JPG Our Blog - What Is Driving Inflation, And What Can You Do About It? - Make it stand out Source: “Consumer Price Index Summary“. U.S. Bureau of Labor Services, 10-Jun-2022, bls.gov. The Consumer Price Index (CPI) is a measure of the average change over time in the prices paid by urban consumers for a market basket of consumer goods and services. See Important Disclosure Information. https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/1656679767689-RD2I88B53EGRUAI0SUSM/2022.06.30+10-Year+Breakeven+Inflation+Rate.png Our Blog - What Is Driving Inflation, And What Can You Do About It? - Make it stand out Source: FRED, as of June 30, 2022. The breakeven inflation rate represents a measure of expected inflation derived from 10-Year Treasury Constant Maturity Securities and 10-Year Treasury Inflation-Indexed Constant Maturity Securities. The latest value implies what market participants expect inflation to be in the next 10 years, on average. 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See Important Disclosure Information.[12] https://www.sjsinvest.com/blog/bitcoin-and-cryptocurrencies-do-they-have-a-place-in-your-portfolio monthly 0.5 2025-11-21 https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/1651503346771-NNE445VSMRAE3HBYN7VC/2022.05.01+Potential+Benefits+Of+Cryptocurrencies.png Our Blog - Bitcoin &amp; Cryptocurrencies: Do They Have A Place In Your Portfolio? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/1651505693838-58Y9SGSHPWHXZD6ME5R0/2022.05.01+Concerns+Of+Cryptocurrencies.png Our Blog - Bitcoin &amp; Cryptocurrencies: Do They Have A Place In Your Portfolio? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/1651505747813-7ZOP565S4DWC663PXLLB/unsplash-image-unRkg2jH1j0.jpg Our Blog - Bitcoin &amp; Cryptocurrencies: Do They Have A Place In Your Portfolio? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.sjsinvest.com/blog/structured-notes-caveat-emptor-buyer-beware monthly 0.5 2025-11-21 https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/1649433187285-8NPF39MLS3TJ8WO7RZZM/unsplash-image-snNHKZ-mGfE.jpg Our Blog - Structured Notes - Caveat Emptor! 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All rights reserved. See Important Disclosure Information.[2] https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/1645826765210-JWXPA3R58EVZVMTJ7AOH/2022.02.25+US+Investment+Markets+During+Times+Of+War.png Our Blog - The Certainty of Uncertainty - Your Investments During Geopolitical Events - Make it stand out Sources: “What Happens to the Market if America Goes to War?“ Mark Armbruster, cfainstitute.org. Dimensional Returns Web. The indices used for each asset class are as follows: the S&P 500 Index for large-Cap stocks; CRSP Deciles 6-10 for small-cap stocks; long-term US government bonds for long-term bonds; five-year US Treasury notes for five-year notes; long-term US corporate bonds for long-term credit; one-month Treasury bills for cash; and the Consumer Price Index for inflation. All index returns are total returns for that index. 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Actual investment results may be materially different than hypothetical returns. 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U.S. Bureau of Labor Statistics, June 2021, fred.stlouisfed.org. https://www.sjsinvest.com/blog/paying-it-forward monthly 0.5 2025-11-21 https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/1625773731867-JXVP4B4X622HHHDOJD0V/2021.07.15+Metroparks+Toledo+Treehouse+Village.jpg Our Blog - Paying It Forward - Make it stand out Source: “Cannaley Treehouse Village”. Metroparks Toledo, metroparkstoledo.com. https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/1625773799256-NJT20DVHRYJI62H1FONM/2021.07.15+Manhattan+Marsh+Metropark.jpg Our Blog - Paying It Forward - Make it stand out Source: “Manhattan Marsh Preserve Metropark”. Metroparks Toledo, metroparkstoledo.com. https://www.sjsinvest.com/blog/sjs-outlook-q2-2021 monthly 0.5 2025-11-21 https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/1625259275916-HNTQPWM0ULRIDP9EX0R4/2021.07.01+SJS+Outlook+-+Q2+2021.JPG Our Blog - SJS Outlook: Q2 2021 https://www.sjsinvest.com/blog/why-do-investors-underperform monthly 0.5 2025-11-21 https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/1624043726342-E3I7O2MSLC2SW8YDT5T6/2021.06.24+Six+Cognitive+Biases+That+Impact+Investors.png Our Blog - Why Do Investors Underperform? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.sjsinvest.com/blog/what-should-you-consider-when-reviewing-your-investments monthly 0.5 2025-11-21 https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/1623421873319-T40IDTHQSAHETX4FK9FF/2021.06.17+What+Issues+Should+I+Consider+When+Reviewing+My+Investments+1.JPG Our Blog - What Should You Consider When Reviewing Your Investments? https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/1623421893277-1BTSU5U0T5F4S4X7VTSN/2021.06.17+What+Issues+Should+I+Consider+When+Reviewing+My+Investments+2.JPG Our Blog - What Should You Consider When Reviewing Your Investments? https://www.sjsinvest.com/blog/scott-savage-discusses-his-book-your-business-exit-monetizing-your-lifes-work monthly 0.5 2025-11-21 https://www.sjsinvest.com/blog/growing-a-business-is-a-series-of-mistakes monthly 0.5 2025-11-21 https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/1622727525317-4MTBZL10S4VKJGQYMICP/2021.06.04+Ways+To+Reduce+The+Risk+Of+The+Next+Big+Mistake.png Our Blog - Growing A Business Is A Series Of Mistakes Source: “The Blank-Check Boom Poses Pitfalls for Investors“. Zoë Soriano, 30-Sep-2020, wsj.com. https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/1622727723424-276D3JG3UL7MAO54TCG7/2021.06.04+Jennifer+Smiljanich.jpg Our Blog - Growing A Business Is A Series Of Mistakes Source: vintagevalueinvesting.com. https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/1622727851714-LQENL4NDQ4YAQFWV8OYJ/2021.06.04+Gary+Geiger.jpg Our Blog - Growing A Business Is A Series Of Mistakes https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/1622727965886-JNQCY2KQOTJGFNMQJTFG/2021.06.04+Kirk+Ludwig.jpg Our Blog - Growing A Business Is A Series Of Mistakes - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/1622728112604-YHO10NP8Y95IGLVS5W97/2021.06.04+Kevin+Kelly.jpg Our Blog - Growing A Business Is A Series Of Mistakes - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.sjsinvest.com/blog/how-to-save-more-money monthly 0.5 2025-11-21 https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/1621536204648-D7GYHI6TDMAWEVQ1L9PW/2021.05.27+What+Accounts+Should+I+Consider+If+I+Want+To+Save+More+1.JPG Our Blog - How To Save More Money https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/1621536258979-R9XTXDJE42JPJWYGND98/2021.05.27+What+Accounts+Should+I+Consider+If+I+Want+To+Save+More+2.JPG Our Blog - How To Save More Money https://www.sjsinvest.com/blog/when-to-sell-your-business monthly 0.5 2025-11-21 https://www.sjsinvest.com/blog/three-graduating-high-school-students-shadow-sjs-investment-services-2021 monthly 0.5 2025-11-21 https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/1621286047696-02F7E7OEHO1KYL652MMS/2021.05.12+Senior+Project+-+Max+Bruss.jpg Our Blog - Three Graduating High School Students Shadow SJS Investment Services https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/1621286276077-2ZBLP7LADC7IXM4VMJ1U/2021.05.12+Senior+Project+-+Teddy+Gothier.jpg Our Blog - Three Graduating High School Students Shadow SJS Investment Services - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/1621286350852-XE6BOKUKEQQ4URYZSVED/2021.05.12+Senior+Project+-+Nicolas+Conway.jpg Our Blog - Three Graduating High School Students Shadow SJS Investment Services - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.sjsinvest.com/blog/what-you-need-to-know-before-you-invest-your-money monthly 0.5 2025-11-21 https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/1620753879356-VP6D4CW6UPLLLCKTIP23/2021.05.13+Three+Important+Things+Investors+Need+To+Know+About+Themselves.png Our Blog - What You Need to Know Before You Invest Your Money - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.sjsinvest.com/blog/are-stocks-riskier-than-bonds monthly 0.5 2025-11-21 https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/1620415191588-HMRZRCBNT9WB2VWZR882/2021.05.14+One-Year+Real+Returns+-+S%26P+500+Index.png Our Blog - Are Stocks Riskier Than Bonds? Source: Dimensional Returns Web. See “Important Disclosure Information” below.[1] https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/1620415588202-8XV9W7OOGHZUL4L3AOR5/2021.05.14+One-Year+Real+Returns+-+Bloomberg+Barclays+U.S.+Aggregate+Bond+Index.png Our Blog - Are Stocks Riskier Than Bonds? Source: Dimensional Returns Web. See “Important Disclosure Information” below.[2] https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/1620415659708-E17JQW7W4UU8USDJY8RF/2021.05.14+Rolling+20-Year+Real+Annualized+Returns+-+S%26P+500+Index.png Our Blog - Are Stocks Riskier Than Bonds? Source: Dimensional Returns Web. See “Important Disclosure Information” below.[1] https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/1620415710802-QJP1FYOGKXTQ4N5A9763/2021.05.14+Rolling+20-Year+Real+Annualized+Returns+-+Bloomberg+Barclays+U.S.+Aggregate+Bond+Index.png Our Blog - Are Stocks Riskier Than Bonds? Source: Dimensional Returns Web. 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See “Important Disclosure Information” below.[1][2] https://www.sjsinvest.com/blog/better-together monthly 0.5 2025-11-21 https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/1619460857732-JPPCCUMQKQW6HT1O66E6/2021.04.30+SJS+Investment+Services+Marathon+Runners.jpg Our Blog - Better Together SJS team members from left to right: Andrew Schaetzke, Michael Savage, Lisa Denstorff, Bobby Adusumilli, Jeff Yost. https://www.sjsinvest.com/blog/how-would-president-bidens-tax-plan-impact-your-finances monthly 0.5 2025-11-21 https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/1619531772966-7T8AVGBWRX6ROJQT8E34/2021.04.27+How+Might+President+Bidens+Tax+Plan+Affect+Me.JPG Our Blog - How Would President Biden's Tax Plan Impact Your Finances? https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/1619531795800-1GDDX6A41W9IB5GTDQTR/2021.04.27+As+A+High-Income+Taxpayer%2C+How+Might+President+Bidens+Tax+Plan+Affect+Me.JPG Our Blog - How Would President Biden's Tax Plan Impact Your Finances? https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/1619531815344-4BWOHS3RTXA4CYNJXDRL/2021.04.27+As+A+High-Income+Taxpayer%2C+How+Might+President+Bidens+Tax+Plan+Affect+Me+2.JPG Our Blog - How Would President Biden's Tax Plan Impact Your Finances? https://www.sjsinvest.com/blog/the-case-for-international-diversification monthly 0.5 2025-11-21 https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/1618255474909-GOWAEJMDJW2GEKK4BV51/2021.04.13+Returns+-+S%26P+500+and+MSCI+EAFE+Index.JPG Our Blog - The Case For International Diversification Source: Morningstar, as of 31-Dec-2020. See Important Disclosure Information.[2] https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/1618255547651-3O2T0CX5NQL5EHOQCTKM/2021.04.13+US+Dollar+Index.JPG Our Blog - The Case For International Diversification Source: “U.S. Dollar Index (DXY)”. Wall Street Journal, 30-Mar-2021, wsj.com. See Important Disclosure Information.[3] https://www.sjsinvest.com/blog/inflation-necessity-or-risk-and-what-should-we-do monthly 0.5 2025-11-21 https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/1618253182457-TOWNKG7FL5PT4C2PCE8R/2021.04.16+US+Inflation+Over+Time.JPG Our Blog - Inflation: Necessity or Risk? And What Should We Do? Source: “Inflation, consumer prices for the United States“. Federal Reserve Bank of St. Louis, 03-Mar-2021, research.stlouisfed.org. https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/1618590357352-ROELQ9OCKZONU84AW2PD/2021.04.16+MarketPlus+Investing+-+Historical+Returns.JPG Our Blog - Inflation: Necessity or Risk? And What Should We Do? Benchmark: “Consumer Price Index for All Urban Consumers: All Items in U.S. City Average (CPIAUCSL)”. Federal Reserve Bank of St. Louis, 31-Mar-2021, research.stlouisfed.org. See Important Disclosure Information. https://www.sjsinvest.com/blog/thanks-irs-here-we-go-again monthly 0.5 2025-11-21 https://www.sjsinvest.com/blog/congratulations-bobby-adusumilli-cfa monthly 0.5 2025-11-21 https://www.sjsinvest.com/blog/sjs-outlook-q1-2021 monthly 0.5 2025-11-21 https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/1617736010400-K022DEA62FJFBOO7JFL9/2021.04.06+SJS+Outlook+-+Q1+2021.JPG Our Blog - SJS Outlook: Q1 2021 https://www.sjsinvest.com/blog/do-spacs-deserve-our-blank-checks monthly 0.5 2025-11-21 https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/1616616872049-Z4JAB38WSFDJ7D62Q9ZD/2021.03.30+SPAC+Returns.JPG Our Blog - Do SPACs Deserve Our Blank Checks? Source: “A Sober Look at SPACs“. Michael Klausner, Michael Ohlrogge, & Emily Ruan, 16-Nov-2020, ssrn.com. Avantis Investors. Data reflects the 2019-2020 merger cohort. Of the 47 SPACs examined, 47 had sufficient history for the three-month period, 38 for the six-month period and 16 for the 12-month period. The IPO Index is the Renaissance IPO Index. The Small Cap Index is the Russell 2000 Index. See Important Disclosure Information.[2] https://www.sjsinvest.com/blog/toledo-made-gifts-from-the-419 monthly 0.5 2025-11-21 https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/1616102125021-G9TU296R6CZ7EA9X2JIP/2021.03.23+Metroparks+Toledo.JPG Our Blog - Toledo-Made: Gifts From The 419 https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/1616102399299-2R2O23OBPNDZZM4JKUDP/2021.03.23+Downtown+Toledo+Metroparks.jpg Our Blog - Toledo-Made: Gifts From The 419 Source: Metroparkstoledo.com. https://www.sjsinvest.com/blog/financial-gifting-strategies-for-your-family monthly 0.5 2025-11-21 https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/1615560894576-FSFO5OJ7M6E2O2482BIW/2021.03.18+Financial+Ways+To+Help+Your+Family.png Our Blog - Financial Gifting Strategies For Your Family Source: Medium.com https://www.sjsinvest.com/blog/what-do-millionaires-do-differently monthly 0.5 2025-11-21 https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/1616617130868-X2BQPWJB1QPOXG9L16B0/2021.03.11+Common+Denominators+Among+People+Who+Successfully+Build+Wealth.png Our Blog - What Do Millionaires Do Differently? Source: “The Blank-Check Boom Poses Pitfalls for Investors“. Zoë Soriano, 30-Sep-2020, wsj.com. https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/1614792211895-C67CXTAFQE8PU4GSVGOA/2021.03.11+Characteristics+And+Actions+Of+Client+Who+Grow+Their+Wealth.png Our Blog - What Do Millionaires Do Differently? https://www.sjsinvest.com/blog/should-you-convert-your-ira-to-a-roth-ira monthly 0.5 2025-11-21 https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/1614787710089-BJQZ3VEMMIIFY0KECQOC/2021.03.04+Reasons+To+Convert+A+Traditional+IRA+To+A+Roth+IRA.png Our Blog - Should You Convert Your IRA To A Roth IRA? https://www.sjsinvest.com/blog/is-your-cash-keeping-up-with-inflation monthly 0.5 2025-11-21 https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/1614285974993-ORT2ADHU62TZCPOHLI71/2021.02.26+Cash+and+Inflation+Historical+Rates.png Our Blog - Is Your Cash Keeping Up With Inflation? Source: Morningstar. Cash represented by the US Treasury T-Bill Secondary Market 3 Month Rates. Inflation represented by the US Bureau of Labor Statistics Consumer Price Index All Urban Seasonally Adjusted Index. See Important Disclosure Information.[4] https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/1614287097021-8BZKJO5DPCJYIYBQ9RNU/2021.02.26+Considerations+For+Your+Cash+Holdings.png Our Blog - Is Your Cash Keeping Up With Inflation? https://www.sjsinvest.com/blog/financial-considerations-when-facing-divorce monthly 0.5 2025-11-21 https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/1613677006815-UWOR5VIAM45KVQPA29N6/2021.02.25+Divorce+-+Financial+Considerations.png Our Blog - Financial Considerations When Facing Divorce https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/1613677073884-EC94VE1ZRUDKQFTG55ML/2021.02.25+SJS+-+Helping+You+Rebuild+After+Divorce.jpg Our Blog - Financial Considerations When Facing Divorce https://www.sjsinvest.com/blog/helping-you-not-judging-you monthly 0.5 2025-11-21 https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/1613421729808-9II9LL0HBGA4D5NRQZ3C/2021.02.18+You+Come+First.jpg Our Blog - Helping You, Not Judging You https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/1613657942764-TG16DMFWV4V1WXGE51HD/2021.02.18+SJS+Rules.png Our Blog - Helping You, Not Judging You https://www.sjsinvest.com/blog/scott-savage-recognized-in-the-forbes-2021-ranking-of-best-in-state-wealth-advisors monthly 0.5 2025-11-21 https://www.sjsinvest.com/blog/the-sum-of-its-parts monthly 0.5 2025-11-21 https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/1612891507917-JEYHY5OC8PSLKSGF8QWT/2021.02.11+The+Sum+Of+Its+Parts.png Our Blog - The Sum Of Its Parts https://www.sjsinvest.com/blog/sjs-2021-capital-markets-expectations monthly 0.5 2025-11-21 https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/1612207600443-FF66DRKRR3G8VFTYRXTJ/2021.02.01+SJS+Long-Term+Capital+Market+Expectations.png Our Blog - SJS 2021 Capital Markets Expectations: Making Sense Of The Future https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/1612207638935-YIK3P5BUMSE5UWZ6FAQ1/2021.02.01+SJS+Long-Term+Capital+Market+Expectations+Table.png Our Blog - SJS 2021 Capital Markets Expectations: Making Sense Of The Future Source: Morningstar. Asset Classes are represented as follows – US Stock - Russell 3000 TR USD; International Developed Stock - MSCI EAFE GR USD; Emerging Markets Stock - MSCI EM GR USD; Real Estate - S&P Global REIT TR USD; Alternatives - Wilshire Liquid Alternative TR USD; US Aggregate Bond - BBgBarc US Agg Bond TR USD; US Treasury Bond - BBgBarc US Treasury TR USD; US Corporate Bond - BBgBarc US Corp Bond TR USD; Global Aggregate Ex-US Bond - BBgBarc Gbl Agg Ex USD TR USD; Cash / Money Market - USTREAS T-Bill Sec Mkt 3 Mon; Inflation - US BLS CPI All Urban SA. https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/1612448694289-8YT2FY97OG9J8TU9KU2M/2021.02.04+SJS+Capital+Markets+Expectations+Cover+Page.JPG Our Blog - SJS 2021 Capital Markets Expectations: Making Sense Of The Future https://www.sjsinvest.com/blog/gamestop-mania-another-lesson-on-short-term-speculation monthly 0.5 2025-11-21 https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/1611936050823-PMN05532LMRX8CLJZSNL/2021.01.29+GameStop+Stock+Price+-+Past+Five+Years.JPG Our Blog - GameStop Mania: Another Lesson On Short-Term Speculation Source: Google Finance, as of 29-Jan-2021. https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/1611871985024-0TWQG4DCN0YFMXLWFQHY/2021.01.29+GameStop+Financials+-+Past+Five+Years.JPG Our Blog - GameStop Mania: Another Lesson On Short-Term Speculation Source: GameStop 2019 Annual Report, Page 22. https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/1611872058917-XH0RZD0UVTJIXPU8K8XE/2021.01.28+The+Castle-In-The-Air+Theory.png Our Blog - GameStop Mania: Another Lesson On Short-Term Speculation https://www.sjsinvest.com/blog/thank-you-molly monthly 0.5 2025-11-21 https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/1611927956705-O2N9J6JBQC1Z6AR4Q3JN/2021.01.31+Molly+Children+-+Smaller+Picture.JPG Our Blog - Thank You Molly! https://www.sjsinvest.com/blog/generation-to-generation-financial-planning-questions-as-you-get-older monthly 0.5 2025-11-21 https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/1611006405959-JLXC0V4Y2OGCPGY3039E/2021.01.26+Questions+People+Ask+As+They+Get+Older.png Our Blog - Generation To Generation - Financial Planning Questions As You Get Older https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/1611006330374-E9PKW67ORWWZ7WFYPK72/2021.01.26+Questions+People+Ask+As+They+Get+Older+-+2.png Our Blog - Generation To Generation - Financial Planning Questions As You Get Older https://www.sjsinvest.com/blog/while-you-werent-sleeping-performance-of-markets-in-2020 monthly 0.5 2025-11-21 https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/1610997932869-OYI16YSTUDTC7TE3P5IF/2021.01.22+2020+Global+Asset+Class+Returns.JPG Our Blog - While You Weren't Sleeping - Performance Of Markets In 2020 Source: Dimensional Fund Advisors. See Important Disclosure Information [4] for index information. https://www.sjsinvest.com/blog/25-years-and-just-getting-started monthly 0.5 2025-11-21 https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/1610487034133-U1UKPOBKBRYI0Z6HMCR4/2021.01.13+American+Flag.jpg Our Blog - 25 Years And Just Getting Started https://www.sjsinvest.com/blog/should-you-change-your-financial-plan-because-of-a-one-party-government monthly 0.5 2025-11-21 https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/1610033808338-0OPD2D75NWIU9Y17RXK4/2021.01.07+Party+In+Control+Of+Presidency%2C+Senate%2C+and+House+of+Representatives+Since+1960.png Our Blog - Should You Change Your Financial Plan Because Of A One-Party Government? Source: “Types of Cybercrime and How to Protect Yourself Against Them.“ Esteban Borges, 09-Jul-2019, securitytrails.com. https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/1610034225743-NR0ZMN1KRWXFA0440PDJ/2020.01.07+Parties+Controlling+Presidency+and+Congress+-+Annualized+Returns+Since+1926.png Our Blog - Should You Change Your Financial Plan Because Of A One-Party Government? Source: S&P data © 2020 S&P Dow Jones Indices LLC, a division of S&P Global. All rights reserved. In US dollars. See Important Disclosure Information. https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/1610034417208-EE775YMVVMGYUY3G2JNF/2020.01.07+Potential+Ways+To+Increase+Your+After-Tax+Returns.png Our Blog - Should You Change Your Financial Plan Because Of A One-Party Government? Source: “Warren Buffett’s historic ride at Berkshire has taken the stock from $19 to $300,000.“ Shawn Langlois, 12-May-2018, marketwatch.com. https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/1610034567599-JBKP71RZ23Z5V360WET8/2020.10.15+U.S+Stock+Market+Returns+During+Presidential+Terms.png Our Blog - Should You Change Your Financial Plan Because Of A One-Party Government? Source: Dimensional Fund Advisors. In US dollars. Growth of wealth shows the growth of a hypothetical investment of $1 in the securities in the Fama / French US Total Market Research Index. See Important Disclosure Information. https://www.sjsinvest.com/blog/sjs-outlook-q4-2020 monthly 0.5 2025-11-21 https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/1609954443520-L2ONL1WY3UYAHHNZZ84M/2021.01.06+SJS+Outlook+-+Q4+2020.JPG Our Blog - SJS Outlook: Q4 2020 https://www.sjsinvest.com/blog/are-you-starting-to-invest-some-considerations monthly 0.5 2025-11-21 https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/1609182460802-6ZTTL6EUO0BWH7BZ6MJT/2020.12.29+Strategies+Behind+A+Solid+Investment+Plan.png Our Blog - Are You Starting To Invest? Some Considerations Source: “Types of Cybercrime and How to Protect Yourself Against Them.“ Esteban Borges, 09-Jul-2019, securitytrails.com. https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/1609182572909-N6UBJ0ISN3EN0KXY735C/2020.12.29+Starting+To+Invest+-+Some+Considerations.png Our Blog - Are You Starting To Invest? Some Considerations Sources: Statista, U.S. FBI Internet Crime Complaint Center. See Important Disclosure Information for additional details.[4] https://www.sjsinvest.com/blog/are-your-assets-protected-from-cyber-attack monthly 0.5 2025-11-21 https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/1608586927227-M3KH3AYPKCODWTRFOGJY/2020.12.22+Steps+To+Protect+Your+Personal+Information.png Our Blog - Are Your Assets Protected From Cyber Attack? https://www.sjsinvest.com/blog/tis-the-season-7-tips-to-help-your-favorite-nonprofit-raise-more-money monthly 0.5 2025-11-21 https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/1608051046833-6024IVHWXXWC3QTBQZD6/2020.12.15+Three+Reasons+Why+Donors+Dont+Donate+In+Consecutive+Years.png Our Blog - 'Tis The Season: 7 Tips To Help Your Favorite Nonprofit Raise More Money https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/1608051236264-QGLARY2ZGAUF54M8UC4N/2020.12.15+7+Ways+To+Inspire+More+Giving.png Our Blog - 'Tis The Season: 7 Tips To Help Your Favorite Nonprofit Raise More Money https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/1600287810631-4YQGWQ9LDZSMCPX55R37/Non-Profits.jpg Our Blog - 'Tis The Season: 7 Tips To Help Your Favorite Nonprofit Raise More Money https://www.sjsinvest.com/blog/there-is-always-something-smart-to-do-harvesting-losses monthly 0.5 2025-11-21 https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/1607696530351-3NIRXV08A7IWBPHNRINX/2020.12.11+World+Stock+Market+2020+Performance.JPG Our Blog - There's Always Something Smart To Do: Harvesting Losses Source: Google Finance. 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Source: “A Look at the Fed’s Dual Mandate.” Federal Reserve Bank of St. Louis, 08-Aug-2018, stlouisfed.org. https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/1604008316047-RPY76N4X8XLP1EV9SAWJ/Relationship+Between+US+Short-Term+Interest+Rates+and+US+Inflation.png Our Blog - How Will Inflation Impact Your Portfolio? Sources: Morningstar, FRED, as of 30-Sep-2020. Interest Rates: 3-Month Treasury Bill: Secondary Market Rate (TB3MS); Inflation: Consumer Price Index for All Urban Consumers: All Items in U.S. City Average (CPIAUCSL). https://www.sjsinvest.com/blog/how-will-the-presidential-election-impact-your-investments monthly 0.5 2025-11-21 https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/1604010447808-MML1F4P7HRBFTHI0ORL4/Stock+Market+Returns+During+And+After+Election+Years Our Blog - How Will The Presidential Election Impact Your Investments? Source: S&P 500 data. In US dollars. See Important Disclosure Information. https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/1604010542092-8HYVJHLHFD0O4QU8TXOR/Stock+Market+Returns+Before+And+After+Election+Years Our Blog - How Will The Presidential Election Impact Your Investments? Source: S&P 500 data. In US dollars. See Important Disclosure Information. https://images.squarespace-cdn.com/content/v1/5ee8ee8eb4fb337e3b806c1e/1604010616403-ZB1NGFJA1WEAILJNJPQY/Stock+Market+Returns+During+Presidential+Terms Our Blog - How Will The Presidential Election Impact Your Investments? Source: Dimensional Fund Advisors. In US dollars. Growth of wealth shows the growth of a hypothetical investment of $100 in the securities in the Fama / French US Total Market Research Index. 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