JST Investment Consulting tracks your overall investment portfolio and works with you to make adjustments based on market conditions and your unique goals and needs. We use a number of risk management techniques to ensure you are invested within your risk parameters. It is our goal to help achieve financial goals through prudent planning and implementation. Our unique Investment Policy Statement outlines our strategy to meet your objectives.
Your personal portfolio may be created using a broad range of investment choices in many asset classes and financial markets. We use the following investment options for your individual and retirement assets:
Active Investment Management is our most comprehensive and cost effective wealth management option. If you have $500,000 or more to invest, bring all your investments together into one coordinated and flexible portfolio we manage for you. Your account(s) will be allocated according to your investment needs, with the added benefits of ongoing financial planning and portfolio reviews. We make timely investment recommendations that you review and approve.
Along with online access at TD Ameritrade, you will have 24/7 access to a proprietary website portal to view your performance, asset allocation, investment tracking reports and more.
Pricing is competitive and set as a percentage of assets under our management. Due to our unique approach, the management fees are paid by dividends from your investments, relieving you from any out of pocket fees or expenses allowing your bank account and assets to grow unencumbered. Typically, management fees will be less than one third of your portfolio dividend yield/rate allowing the rest of the income to be reinvested for future potential growth.
Investment Consulting Accounts are targeted for the new, young investors wanting to get up and running with an investment plan or build their financial nest egg, but not quite ready for comprehensive wealth management. Through ongoing consulting, we tailor your investment needs to your long-term financial goals.
You can invest with your own custodian or we can set you up at TD Ameritrade with access to a proprietary investment portal to track your investment holdings. Pricing is affordable, transparent, and scaled for every investor’s life stage.
With TD Ameritrade® as our custodian of choice to hold and maintain our client’s investment accounts, you will be assured that you will receive best execution and timely trades on a trusted platform. Additionally, TD Ameritrade® is a member of the Securities Investor Protection Corporation (SIPC), which protects securities held by investors up to $500,000, including up to a maximum of $250,000 for most cash claims. TD Ameritrade provides each client $149.5 million worth of protection for securities and $2 million of protection for cash through supplemental coverage provided by London insurers. This policy provides coverage following brokerage insolvency and does not protect against loss in market value of securities. More information on TD Ameritrade account protection can be found here.
Some of the investments and accounts available that will be reviewed and considered for each client portfolio are as follows:
- Retirement Plans (IRA, ROTH IRA, SEP IRA, 401(k), etc.) See our SMALL-BUSINESS RETIREMENT PLAN page.
- Self Directed IRAs (for real estate, precious metals, and other alternative real asset investment purchases)
- Education Savings Plans (529 Plans, Coverdell IRA, etc.)
- Business accounts
- Trust, Guardian, and Conservatorship Accounts (Professional Fiduciary Solutions)
- Real Estate Investments (Public)
- Commission-Free Mutual Funds
- Exchange Traded Funds (ETFs)
- Closed End Funds
- Options strategies
Continue to: Financial Planning Services