Founder | Investment Advisor
Helping You Keep More of the
Wealth You’ve Worked to Build
Building wealth is one thing. Making sure unnecessary fees, taxes, inflation, and poor financial coordination don’t quietly erode it is another.
Jan helps clients identify potential sources of wealth drag and develop a more
organized financial strategy designed to make their money last - not only through their lifetime, but for generations to come.
Investment Advisor since 2011 | Founder of J Benjamin Financial
A Different Perspective on
Wealth Management
Jan Kuha founded J Benjamin with a simple belief: managing wealth should be about more than managing investments.
As an investment advisor, Jan works with clients to understand how their investments, taxes, costs, retirement needs, and long-term goals fit together.
His focus is on helping clients identify the things that may quietly work against their wealth - what we call wealth drag - and determining where improvements may be possible.
The goal isn’t simply to grow your wealth.
It’s to help make sure more of it continues working for you.
Your Wealth Can Be Growing - And Still Be Losing Ground
Wealth doesn’t have to disappear all at once to have an impact. It can happen slowly through:
Excessive Investment Fees
Costs that reduce the amount of wealth that remains invested and compounds over time.
Tax Inefficiency
Investment and account decisions that may create unnecessary tax consequences.
Inflation
The gradual loss of purchasing power that can make today’s dollars worth less in the future.
These factors aren’t always obvious. That’s part of the problem.
REAL SITUATIONS. REAL IMPACT. The Difference Smart Decisions Can Make
Small differences in fees, investment choices, and cash management can lead to significant results over time. Here are real-world exmaples of how we help clients improve efficiency and keep more of what they’ve worked hard to build.
Fee Structure Matters
A $1.5M account with a 1% flat fee may seem reasonable, but a decreasing fee schedule can make a meaningful difference over time.
After 20 years, you could pay around 40%
more in excessive advisory fees.
Investment Costs Add Up
The choice between an actively managed mutual fund and a low-cost ETF can have a significant impact on long-term growth due to cost drag.
Cost drag from higher fees can erode roughly 20-30% of long-term growth.
Case Study 3
Idle Cash Has a Hidden Cost
Keeping cash on the sidelines may feel safe, but inflation quietly reduces what that cash can actually buy.
Over 20 years, idle cash loses roughly $123,320.16 - nearly half of what you originally started with.
The three case studies presented above are for illustrative purposes only and are based on different assumptions and hypothetical scenarios that may not reflect any existing client portfolio or investment experience. These illustrations are not guarantees of investment performance or future results. Actual results will vary based on individual circumstances, investment performance, fees, taxes, market conditions, and other factors.
A 5-Step Process to Reduce Wealth Drag
UNDERSTAND
Know where your money
is, how it’s managed, and
what you’re trying to
accomplish.
IDENTIFY
Look for areas where
fees, taxes, inflation, and
concentration may be
working against you.
COORDINATE
Ensure your investments,
taxes, and financial goals
are working together -
not against each other.
IMPLEMENT
Determine which
changes make sense and
put your strategy into
action.
MONITOR
Review and adjust as
your life, goals, and the
financial environment
change.
Why Clients Work With Jan
-
Big-Picture Perspective
Looking beyond individual investments to understand how the pieces of your financial life fit together.
-
Wealth Preservation
Helping identify sources of wealth drag that could reduce how much of your wealth you keep.
-
Retirement Focus
Assisting clients with thinking through how their wealth needs to work once they stop earning a paycheck.
-
Long-Term Relationships
Continuing to work with clients as their financial lives and priorities evolve.
How Much of Your Wealth is Being Lost to Drag?
If you’ve spent years building significant wealth, it’s worth taking a closer look at what’s working against it. Jan can help you identify potential sources of wealth drag and determine whether there are opportunities to improve your overall strategy.
Let’s take a closer look at your financial picture.