SJS Investment Services

SJS Investment Services is a registered investment adviser (RIA), not a family office. It files Form ADV with the SEC and serves a broad base of individual and institutional clients on a fee-only basis, distinguishing it from entities that manage capital for a single family.

The firm operates on a fee-only basis, charging clients a percentage of assets under management for discretionary portfolio management. Standalone financial planning services may be billed separately at an hourly or fixed rate. This structure avoids the conflicts associated with commission-based revenue.

SJS Investment Services does not custody client assets directly. The firm reports in regulatory filings that client accounts are held at qualified independent custodians, with the adviser authorized to direct trades but not to take possession of funds or securities.

The firm builds portfolios using a mix of mutual funds, ETFs, and individual stocks and bonds. Allocations are determined by client-specific investment policy statements and typically span core equity, fixed-income, and, where suitable, alternative investment exposures via third-party vehicles.

Based on its public regulatory filings, SJS Investment Services does not sponsor or manage private funds, proprietary hedge funds, or pooled investment vehicles. The firm relies on externally managed securities and funds when constructing client portfolios.