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Areas of Specialization

Assisting clients develop an investment strategy designed to meet their goals without taking more risk than they should be taking or are comfortable taking

Basing investment strategies on solid academic research

Integrating tax and investment planning to achieve optimal after tax results

Evaluating whether a family has a chance to qualify for college financial aid and, for those who qualify, assisting them minimize their expected family contributions under the FAFSA and Profile formulas

Assisting individuals determine if they have sufficient resources to retire given their desired retirement lifestyles

The advantages to you of using PJS Financial Advisory Services, LLC investment advisory services include:

  • The biggest impact we can have on your financial future is showing you how to avoid common investment errors that can be costly.

  • The second biggest impact we can have on your financial future is assisting you achieve a rate of return on your investments that will allow you to achieve your long-term financial goals.

  • Our investment advice is completely objective. We have no conflicts of interest. We do not accept commissions or referral fees and we do not have markups or hidden fees of any kind. In short, you will always know exactly what you are paying us for our service and you will never have to worry that our recommendations are influenced by what goes into our pocket.

  • For our investment management clients, we provide detailed quarterly reports (in addition to monthly statements) that clearly state results on a quarterly, year-to-date, and since inception basis. We communicate how our results compare to relevant market indices and how we are doing relative to your financial goals. In short, you will always know what you are paying for. From our experience, this is quite unique in our industry.

  • For investment management services, we charge based on a percentage of assets under management. Our fees are very reasonable compared to our industry. In fact, the fees we charge for investment management are typically less than the fees charged by the average no load actively managed mutual fund and for larger accounts are much less.

Services are provided through PJS Financial Advisory Services, LLC (A Registered Investment Advisory Firm)