JST Investment Consulting, RIA

JST Investment Consulting, RIA

5.0
Best of 2021
1 employee
10 years in business

About this pro

After many years at large financial institutions, we found another way to help clients more effectively through a smaller and more personalized platform. JST is a Registered Investment Advisor (RIA) which allows its advisors to provide a unique level of personalized service not always found in investor-advisor relationships. RIAs are held by law to the highest standard of responsibility to their clients, therefore upholding them to always act in their clients’ best interests.

Key benefits of working with JST:

  • Customized guidance based on your entire financial picture
  • Attentive, responsive, and personal relationship
  • Simple and transparent fee structure
  • Expertise to support your complex financial needs
  • Your money is held with an independent custodian, not the advisor firm
  • Your best interest always at top of mind (Fiduciary)

Our mission is to help you reach your financial goals through a relationship based on personalized, knowledgeable advice, with your best interest always top of mind. This focus is designed to help you reach your goals with greater confidence. Everyone has their own life path, therefore, no two financial plans or investment recommendations are alike. We offer full financial planning, investment consulting, and investment management services. For those who want to take a more hands-on approach, we offer the tools you need to give you greater confidence in controlling your financial future on your own.

eff has 20 years of experience in the investment advisory services industry. He is a Chartered Retirement Planning Counselor, an Accredited Asset Management Specialist, and an Accredited Wealth Management Advisor through the College for Financial Planning.  As a previous financial advisor with Ameriprise Financial for 10 years, Jeff successfully co-managed and serviced approximately $220 million of client investment assets before starting JST Investment Consulting, Inc. (JST) in 2011. Jeff is a Fiduciary, the lead client advisor and business development manager for JST. Holding dual business degrees focused on Finance, Real Estate and Law, along with Management Information Systems, he is also an active member of the National Association of Personal Financial Advisors (NAPFA) and Professional Fiduciary Association of California (PFAC). Jeff lives an active lifestyle in Seal Beach, CA with his wife and 2 sons and daughter.

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Credentials

Seal Beach, CA 90740
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FAQs


What is your typical process for working with a new customer?

The initial consultation is complimentary. It’s an opportunity to talk informally about your goals and financial needs, ask questions, and get to know one another. Your time is important and we will make every meeting as flexible as possible for you. We can arrange a meeting at your home, office, or over the phone. Evening and weekend appointments may be available as well.

After your initial consultation, you should have an idea of how we can help you, the fees and costs you may pay if you decide to work together, and next steps. All information provided in any meeting is held in strict confidence.


What education and/or training do you have that relates to your work?

Jeff has 20 years of experience in the investment advisory services industry. He is a Chartered Retirement Planning Counselor, an Accredited Asset Management Specialist, and an Accredited Wealth Management Advisor through the College for Financial Planning.  As a previous financial advisor with Ameriprise Financial for 10 years, Jeff successfully co-managed and serviced approximately $220 million of client investment assets before starting JST Investment Consulting, Inc. (JST) in 2011. Jeff is a Fiduciary, the lead client advisor and business development manager for JST. Holding dual business degrees focused on Finance, Real Estate and Law, along with Management Information Systems, he is also an active member of the National Association of Personal Financial Advisors (NAPFA) and Professional Fiduciary Association of California (PFAC). Jeff lives an active lifestyle in Seal Beach, CA with his wife Courtney and 2 sons, Jack and Chase.


Do you have a standard pricing system for your services? If so, please share the details here.

JST has three options of advisory fee compensation, a flat fee for financial planning services, a percentage fee for assets under our management, or a consulting fee for client directed accounts. Each client is different and fees are negotiable based on the complexity of each person or family’s financial situation. Fees are paid via check, credit card or debited directly from investment accounts. Since we operate independently, unlike banks and brokers, our fees tend to be considerably less then the big firm names.


What advice would you give a customer looking to hire a pro in your area of expertise?

Preparing for your initial consultation: A financial planning checklist

To help prepare for this meeting, you should have a basic idea of your current financial picture and financial goals. Where are you today? What concerns do you have? Where do you want to be in 5, 10 or 25 years?

What to think about

  • How comfortable or confident are you with your current financial situation? How about the future? What things would you like to change? Where can you use the most help?
  • What are your most important financial goals? What do you hope to accomplish financially within the next year or two? The next 5 years? 10 years? 25 years?
  • Have you planned for your retirement? If so, how confident are you that you’ll be able to retire? What are your concerns?
  • What would you like to do when you’re retired? What do you most look forward to doing in the future? Who do you want to spend more time with? Where do you see yourself living?
  • What level of risk are you most comfortable with? How involved do you like to be in investment decision-making? What level of risk are you most comfortable with? How involved do you like to be in investment decision-making? Do you know your Risk Number?
  • What kind of legacy do you want to leave? How do you want to make your lasting mark?

What you’ll need

  • Questions you may have about your current financial situation
  • Account statements, budget information or other areas of your financial picture that you feel deserve immediate attention
  • Future dreams and financial goals you’d like to achieve, including short- and long-term goals

What to look for in a financial advisor

  • Has experienced varying market cycles. Professionals who have seen market ups and downs may be better able to prepare you—and your portfolio—for such events.
  • Can offer you a diverse selection of products—not just those in his or her company’s stable.
  • Does the advisor work on a suitability or fiduciary standard?
  • Can connect you to their research capabilities. Don’t be afraid to conduct your own due diligence when examining products or strategies.
  • Has access to the latest portfolio-building technology. A broad range of investment tools—like calculators and hypotheticals—offer investors greater insight.
  • Is available to answer your questions and maintains regular contact with you. Communication is the key to a successful relationship.

Services offered