Welcome to Our Blog

We intend to be active in providing blogs on topics that are focused on helping people understand and deal with specific issues involving personal finances, including planning for the future, the nature and scope of financial services, and managing your portfolio in today’s market without losing sight of your future goals.

We believe there is a need for sound financial advice delivered in a timely manner from people you trust. The team at St. John and Associates has deep financial experience, and we are pleased to share that experience with you.

Greg, Bryan, guest writers and I will be posting things regularly that we hope you will find useful in your financial life. As always, feel free to contact us directly by phone or email with any questions.

Richard St. John, Founder

Changing with the Times

by Richard St. John on Oct 13, 2017

Times are changing, as are the demographics of our society and the speed of digital communications. We are excited to announce our initiatives to meet those changing needs.

St John & Associates has been a fee only independent financial advisory firm in Georgia for over 25 years. We have always partnered with clients to help them make sound and timely financial decisions and achieve their lifestyle goals in compliance with the fiduciary standards set by our membership in NAPFA. Now, we will be able to service our client’s needs wherever they happen to be.

Sandwich Generation Questions

by Richard St. John on Oct 5, 2017

Have you heard the term "Sandwich Generation?" The Wikipedia definition is a generation of people (usually in their 30s or 40s) who care for their aging parents while supporting their own children. Pew Research Center suggests that 1/8th of Americans between the ages of 40 to 60 are also in this dilemma, raising a child and caring for a parent.

At St. John & Associates, we act as the "quarterback" to inform and assist our clients with these types of complexities, while helping you see your plans through to completion.

College Admission Reality Check plus Taking A Gap Year After High School

by Richard St. John on Sep 29, 2017

Parents who are worried about their children’s admission chances should know upfront that the odds of getting accepted at most four-year colleges and universities are not grim despite media accounts.

Exhaustive yearly surveys of full-time college freshmen by UCLA’s Institute of Higher Education Research Institute consistently show that roughly three out of every four applicants get accepted into their No. 1 pick.

Is Passive Investing in Index Funds a Recipe for Danger if the Market Corrects?

by Richard St. John on Sep 20, 2017

When you look for stocks to own, most investors do research to find the best growth or reasonable value, perhaps the best products or best management. If we look at the widest index fund being used right now, the S&P500, and break down what exposures you have to a market correction, you will see the highest valuations and arguably the ones at most risk in the equity market make up the largest positions in the index. The largest 5 stocks make up 12% to 13% of the whole index.