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Our Services

What we offer:

As a fee-only independent registered investment adviser firm, PJS Investment Management is held to the fiduciary standard of care. This highest standard of industry excellence extends not only to the advice we provide, but to the services we offer each individual we serve.

Our services are comprehensive, client-centric and team-based. We will work with you to develop, implement and monitor a strategy that is tailored to your specific short- and long-term goals in two areas of personal finance: Financial Planning and Investment Management.

Our Financial Planning Approach:

During the first year of a client relationship, we typically cover all major areas of financial planning analysis. This is done in order of importance to the client and the client’s situation, and allows for time-sensitive issues to be addressed immediately. Over the course of several meetings, clients become more grounded in their financial situation, at which point new issues may emerge. As we work together with our clients over many years, we will refresh planning work as needed. In addition, we routinely check in on all the major financial planning areas of clients’ lives, depending on the level of importance that each area has for that particular client.

Summary of Services Included:


Investment Management

A projection of client wealth over the course of their entire lives.

Saving and Spending Analysis

Analyzing the major levers in saving and spending in the present and the future and monitoring over time.

Taxes

Assisting tax advisors with planning particularly when it comes to investments.

Debt Management

Managing debt such as mortgagees and other areas of household debt.

Insurance Assessment

Helping assess the need for insurance and analyzing existing insurance policies.

Life Transition Assistance

Loss of a spouse and needing a partner in new financial responsibilities

Divorce

Selling a business

IPO or other sudden accumulation event

Receiving an inheritance and faced with new complexity and opportunity

Marriage, getting started on the right path together

Birth of a child and/or grandchild

Education Planning 

Planning for and saving for major education expenses.