JFJ Advisory Services LLC

04/30/2026

U.S. News & World Report featured us in an article discussing anticipated IPOs in 2026.

I’ve been neutral or even somewhat negative about the markets this year (little sneak peak for my commentary coming out tomorrow). I'm a bit skeptical about many IPOs launching this year with so many geopolitical and economic headwinds. However, I am more optimistic about the SpaceX IPO for reasons beyond traditional fundamentals.

I would not be surprised if the SpaceX IPO performs well in the short term, whether you attribute it to the 'meme stock' phenomenon or the attention Musk's name attracts. Even within my own client base I have received interest in that particular IPO, so I can imagine a vast number of investors are eager to invest in the stock.

Even if you don't plan on owning the stock directly, the market capitalization would put in the S&P 500 which would trigger billions in forced buying from index funds. So you are likely going to end up owning SpaceX stock regardless.

04/06/2026

We were featured in Forbes! April is financial literacy month. After your bills are paid, and your rainy day fund is established you can start investing extra cash. When making your first investments remember K.I.S.S. Keep it simple and stupid. Low cost index funds are your best friend.

When it comes to investment funds’ fee look for the "Expense Ratio". This tells you what % of your investment you are paying in fees.
Lets take a look at the two State Street S&P 500 index funds $SPY and $SPYM to highlight the difference

$SPY is older and has accumulated more assets. It has much more daily trading volume and is preferred by day traders and whales (people who can move millions of dollars in a single transaction.) It has an expense ratio of 0.0945%. That means almost a tenth of a percent of your investment a year is paid in fees, just for access to the S&P 500.

$SPYM is newer and is designed for retail investors (i.e everyday Americans). It has an expense ratio of 0.02%, almost a fifth of the price of $SPY. It is intended to be used as the “buy and hold” option.

Over the past 10 years $SPYM has outperformed $SPY by over 5%. They both track the S&P 500 index, the difference is fees. Its not much, but it adds up. No point in paying more for the same thing.

A quick reminder I am not just an internet finance guru. I am an actual financial advisor. If you have any questions regarding your finances please book some time to speak with us.

Disclaimer: This is provided for informational purposes only. Investments discussed here may not be suitable for all investors. Before making any investment decision, please do your own research or book some time to speak with us about your specific situation.

04/02/2026

April is financial literacy month! I want to bring some knowledge besides just skip the latte, work harder, make more money*, and other boomer financial advice.

*You can't budget your way out of a broken system. Income HAS to come first. If you do have some money left over at the end month this is for you.

You REALLY want to earn a good rate on your cash. I'll tell you how to know if the rate you earn is competitive.

Go look at the Federal Reserve Economic Data (aka FRED) and lookup the Federal Funds Effective Rate. (picture below) The banks take a cut of what they earn on your cash so you may not get all of that. However if your rate is lower than 1% less than the current Federal Funds rate there are certainly better options out there.

So using the current rate of 3.64% that means if you are earning less than 2.64% you might want to shop around for a better place to put your cash. Being loyal to your bank may be costing you money, especially if you're making 0.01-0.02% 🤢

There are many great online banks that offer cash account with competitive rates, FDIC insurance, and quick transfers.

I use Flourish for clients. Its "invite only" but I do offer it for free to anyone interested. (and no I don't earn a referral bonus)

There are other great options out there. I've seen positive reviews from Capital One's 360 Performance Savings and Marcus by Goldman Sachs
Hope you found that useful. Like I said I want to share some less common insights all month long so drop a follow if you're interested.

04/01/2026

If you recieved that SAVE Plan email, please take some time to read.

YOU STILL HAVE TIME to make decisions and take action. Once you've been contacted by your loan servicer you will have 90 days to take action.

The plan the Department of Education recommends doesn't even launch until July 1.

Just as a quick reminder I am an actual financial advice practice and not an internet finance guru. You can reach out an book a free meeting to see if we are a good fit to help you 🙂

03/02/2026

New Video

Its the first in our new series of monthly market commentary. We discuss how clients were positioned last month and what actions you can take following the strikes on Iran this weekend.

https://youtu.be/LIX0A78_d5U

02/20/2026

Knowing where your money is going is the most important steps in good planning 👇

Cash flow planning isn't sexy, but it should be handled before you dive into asset allocation, insurance or social security decisions.

1. Checking: ~1 month worth of income here, just to cover your day-to-day expenses.

2. Emergency Fund. How much we keep here depends on several factors including income variability and risk tolerance. Three months of income is usually the minimum I suggest. It can go higher from there if, for example, a majority of your income comes from commissions, or you're concerned about layoffs, so on and so forth. However much you need to sleep soundly.

The next three are in no particular order

3. Intermediate goals. Next 1-2 years. Make sure you earn high yield on your cash
4. Taxable Brokerage. To Maximize Flexibility
5. Tax Advantaged Account(s). To Save on Taxes

Those three can be the more exciting ones. If you want to read more check out the full blog post at the link in comments.

01/27/2026

Merriam-Webster word of the day, January 27th, 2026, is "Fiduciary." If you want an advisor, not just someone selling life insurance or mutual funds, ask if they’re a fiduciary. As I fiduciary I am required to put my clients financial well-being ahead of my own... which happens to be exactly how I wish to serve clients.

The is ‘fiduciary.’
https://ow.ly/YFeW50Y0eAV

01/01/2026

Happy New Year from JFJ Advisory Services.

If you have a financial resolution or just feel like you could be doing more with your money, reach out!

Start 2026 off on the right foot

08/21/2025

We got quoted in New American Funding! The article discusses how you can use your 401(k) as a first-time homebuyer. Important things to consider:

Early withdrawals from your 401(k) before age 59½ come with a 10% penalty tax. You will also pay income tax on the withdrawn amount.

You can avoid these taxes by taking a loan against your 401(k) instead. The loan can be up to 50% of your vested balance, but not more than $50,000. Since you’re borrowing against yourself, the interest you pay goes back into your 401(k). This actually builds your balance. Check out the rest of the article below. If you have questions about how to buy a home, feel free to reach out. We assist with cash flow planning and budgeting. We can help individuals on their journey to homeownership.

You can use your 401(k) for a down payment as a first-time homebuyer. You can use a 401(k) loan or a 401(k) withdrawal to access your money.

06/06/2025

We got featured in a GOBankingRates article on Millennials and Social Security

Millennials should take these steps to prepare for retirement.