ST. John & Associates, Inc.

St. John & Associates provides discretionary, model-based portfolio management and comprehensive financial planning to individuals, families, trusts, and privately owned businesses, and also serves plan sponsors. The firm’s services include personal financial planning, portfolio management using predefined model allocations, and consulting on retirement plan design and participant education.

Investment implementation relies on model asset-allocation portfolios that range from conservative to aggressive and combine active and passive equity exposures, fixed income, ETFs and alternative allocations; selected models are often implemented with third‑party sub‑advisers overseen by the firm. Portfolios are managed on a household basis after clients complete a written personal financial plan, and the firm uses third‑party reporting systems (recently transitioning platforms) and artificial‑intelligence‑enabled tools for preliminary research and document review.

What distinguishes this firm from many peers is its regular client communications and education: it publishes a quarterly market commentary and a periodic newsletter (distributed free to clients) and documents educational outreach and workshops for plan sponsors and participants. The firm also aggregates held‑away retirement accounts for managed allocation via third‑party platforms and has formalized AI use and a recent move to a modern reporting/client portal, which may be relevant to clients seeking tech‑assisted reporting and held‑away account support.