Open Letter to Prospective Clients

Dear Future Client,
Let’s face it—navigating the world of investing can feel a lot like trying to read a map in a foreign language. You know there’s something good on the other side, but the journey can be tricky without the right help. Here at J Benjamin Financial, we’re on a mission to change that.

We believe everyone—yes, everyone—deserves a dedicated financial advisor. And we’re not just talking about the wealthy few who hit the $1 million threshold and get ushered into a plush office with a personalized account manager. We’re talking about YOU—the everyday American who wants to secure their financial future without needing a seven-figure portfolio to get the attention you deserve.

Here’s the thing: DIY investing is tempting. Low fees, no pressure, and the freedom to make your own calls. But it’s not always the best path, especially if you’re not an expert. Let’s be real, no one wants to be the person who accidentally invests in a “hot stock” that crashes and burns, or forgets to rebalance their portfolio until retirement is right around the corner. According to a study by DALBAR, individual investors underperform the market by an average of 4.2% annually due to emotional decision-making and lack of discipline (DALBAR, 2023). If you want a real shot at financial success, sometimes it’s worth letting an expert take the wheel.

At J Benjamin Financial, we don’t believe you should have to be a millionaire to access personalized, thoughtful financial advice. Many large investment firms require a minimum balance to get dedicated help, but we’re here to change that. In fact, a recent survey by the CFA Institute found that nearly 60% of investors with less than $1 million in assets feel underserved by traditional wealth management firms (CFA Institute, 2022). We fill the gap between the DIY sites that leave you stranded and the big firms that require an arm and a leg just to talk to a real person.

And if you’ve ever looked at the big firms like Fidelity or Vanguard, you may have noticed they serve millions of clients—but there just aren’t enough advisors to go around. According to a report by InvestmentNews, Fidelity’s client-to-advisor ratio is around 300:1, and Vanguard’s is even higher, with some estimates approaching 1,000:1 (InvestmentNews, 2023). The result? Too many clients are being shuffled through call centers or left without the personalized attention they need to truly thrive.

We understand that retirement is not just a luxury—it’s a necessity. According to a study by the National Institute on Retirement Security, nearly 60% of working-age Americans have less than $10,000 saved for retirement (NIRS, 2021). Everyone deserves a plan, and everyone deserves a guide to help them through it. So why risk it on a robot or get lost in a call center queue when you can have a human advisor who actually cares about your financial goals?

Our promise is simple: a personalized, hands-on approach to your financial journey, with no million-dollar requirement. We’re here to make sure that no matter where you are in life, you’re taking smart, calculated steps toward a better future.

Because, in the end, financial success shouldn’t be reserved for the 1%. It should be for anyone who’s ready to plan, grow, and achieve their goals.
If that sounds like something you’d like to explore, give us a call. We’d love to help you map out the next steps toward a better financial future.

Sincerely,
Jan Kuha, Founder
J Benjamin Financial