Financial Life Series

Financial Life Series

Welcome to the Financial Life Series! These articles are meant to help every reader make better financial decisions. They are authored by our team, and each person drew from their own experiences to share. We hope you find it helpful and continue the conversation with...
Taxes in Retirement Q&A

Taxes in Retirement Q&A

Our own Chris Johnson recently presented a “Taxes in Retirement” seminar at the Middleton Library. We thought sharing a few of the common questions would be helpful. How do I decide whether to save to my traditional or Roth 401k? It depends! Our tax system is...
How to be a Competitive Scholarship Applicant

How to be a Competitive Scholarship Applicant

Going to college is exciting! You get to live on your own for the first time, meet new friends, and explore new interests. But, for many, college is also a source of anxiety. Aside from having to develop a new routine in a new area, many students worry about how to...
Tilting the Odds in Our Favor

Tilting the Odds in Our Favor

Our investment philosophy at JSA is to identify and own “excellence” and avoid “mediocrity.” We construct portfolios of 20-30 reasonably priced stocks of businesses that are responsible, well-managed, competitively advantaged, participate in attractive industries, and...
Best Time to Withdraw Cash from my Portfolio

Best Time to Withdraw Cash from my Portfolio

A common question we hear from clients is, “I need to withdraw cash from my portfolio. When should we sell investments to raise that cash?” As we’ve discussed in other posts, timing the market is very difficult. You might get it right a time or two, but outside of...
Will the housing market crash?

Will the housing market crash?

Considering how strong the housing market has been recently, you may think this seems a strange question. We’ve all probably heard stories of sellers receiving multiple offers or offers without contingencies. For better or worse, real estate is more expensive almost...
Does Diversification Matter?

Does Diversification Matter?

A common question clients ask is something along the lines of “are my investments diversified?” What follows will help you determine whether that’s important for your financial life. In our world, diversification means investing in multiple areas rather than...
HAPPY HALLOWEEN: Introducing the “Hall of Fear”

HAPPY HALLOWEEN: Introducing the “Hall of Fear”

As markets moved lower in September 2021, we decided to write a piece about FEAR – because if there’s one comment we often hear, it’s that people are afraid of losing money in markets – ESPECIALLY when prices are falling. And the lower stock prices go, the more people...
When Will the Stock Market Crash?

When Will the Stock Market Crash?

Part 1: Historical Perspective Many clients are asking about the next market downturn. We consider it one of our primary responsibilities to evaluate “what ifs” for the companies in our portfolios. We make it our job to prepare ahead and make informed decisions about...