St. Johns Asset Management, LLC / JW Cole Advisors

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St. Johns Asset Management, LLC / JW Cole Advisors Independent fiduciary advisory firm serving professionals, families & business owners in Northeast Florida & beyond. The Independence You Trust.

Wealth management, retirement, estate-aware planning & more — built around your goals. The Logic You Value.

We're proud to share that Jim Neshewat, Principal and Fiduciary Advisor, received the Jim Bennick Award at the 2026 J.W....
10/12/2026

We're proud to share that Jim Neshewat, Principal and Fiduciary Advisor, received the Jim Bennick Award at the 2026 J.W. Cole Symposium- Build Better.

This award isn't about business results. It recognizes someone who makes a real impact in their community: someone who gives back, supports local causes, and invests in the people around them. Above all, it honors someone who does the right thing, whether or not anyone is watching.

Anyone who knows Jim knows why this fits.

Congratulations, Jim, and thank you to the J.W. Cole team for this recognition.
Independence You Trust. Logic You Value.

Disclosure: The Jim Bennick Award is presented by J. W. Cole Financial, Inc. Financial, Inc. and was awarded on September 29, 2026. It recognizes community involvement and personal character. It is not based on investment performance, client experience, or any rating of advisory services. [No compensation was paid in connection with obtaining or promoting this award.]

Advisory services offered through St. Johns Asset Management ("SJAM"), a registered investment adviser. Not personalized investment, tax, or legal advice.

AI comes up in almost every conversation about the future of financial services. At this year's J.W. Cole Symposium- Bui...
10/09/2026

AI comes up in almost every conversation about the future of financial services. At this year's J.W. Cole Symposium- Build Better, Jim Neshewat, principal and fiduciary advisor, joined a panel on what that future could mean for advisors, practice owners and the people they serve.

Our view is that technology can support the work behind the scenes. It doesn't replace judgment, context, or a relationship built over time. Financial decisions are personal, and the questions behind them deserve someone who listens.

Thank you to Jon Sheehan, JJ Vinas, and Zachary Daulton of J.W. Cole for inviting Jim to the Advisor Panel on Integrating Artificial Intelligence, and to fellow panelists Randy Nakamura and Rey Descalso for a thoughtful discussion.

Independence You Trust. Logic You Value.

Advisory services offered through St. Johns Asset Management ("SJAM"), a registered investment adviser. Not personalized investment, tax, or legal advice.

The St. Johns Asset Management team recently attended the 2026 J.W. Cole Symposium- Build Better in Chicago.Events like ...
10/07/2026

The St. Johns Asset Management team recently attended the 2026 J.W. Cole Symposium- Build Better in Chicago.

Events like this give us time away from the day-to-day to connect with peers and other experts across the industry. We get to hear how other advisors are thinking about the questions our clients bring us, from retirement income to working alongside CPAs and estate attorneys.

We came home with plenty of notes. Over the coming weeks we'll decide which ideas belong in our own practice. Each one gets the same test: does it help our clients see their financial picture more clearly?

Thank you to J. W. Cole Financial, Inc. for bringing everyone together.
Independence You Trust. Logic You Value.

Advisory services offered through St. Johns Asset Management ("SJAM"), a registered investment adviser. Not personalized investment, tax, or legal advice.

Q4 is the last window to make financial moves that affect this year's tax picture.A few things worth thinking through be...
10/05/2026

Q4 is the last window to make financial moves that affect this year's tax picture.
A few things worth thinking through before December 31:
Retirement contributions. If you haven't maxed out your 401(k), IRA, or other retirement accounts for the year, now is the time to check where you stand. Contributions made before year-end reduce taxable income for this year.

Capital gains and losses. If you have investments that are down, harvesting those losses before year-end can offset gains elsewhere in your portfolio. This is a coordination conversation between your financial advisor and your CPA.
Charitable giving. If you plan to give to charity this year, the timing and structure of how you give can affect your tax picture. Donor-advised funds are worth understanding if you give regularly.

RMDs. If you're required to take a required minimum distribution this year and haven't done so yet, the deadline is December 31.

None of this is tax advice — these are planning reminders. The right moves for your specific situation should be worked through with your advisor and your CPA together.

Advisory services offered through St. Johns Asset Management ("SJAM"), a registered investment adviser. Not personalized investment, tax, or legal advice. We do not provide tax advice — we coordinate alongside your tax professional.

Most people choose a financial advisor the same way they choose a dentist — someone recommended them, the office was nea...
10/01/2026

Most people choose a financial advisor the same way they choose a dentist — someone recommended them, the office was nearby, or they just needed one and the first one seemed fine.

That works until it doesn't.

A few questions worth asking before you commit to working with anyone:
Are you a fiduciary? The standard you operate under determines whether your advice has to be in my best interest — or just suitable. Those are meaningfully different.

How are you compensated? Understanding whether your advisor earns commissions on products they recommend helps you understand what might influence that recommendation.

Who do you typically work with? An advisor whose clients look like you will understand your situation better than one who doesn't.

What does the ongoing relationship look like? Financial planning isn't a one-time event. Knowing how engaged your advisor stays over time matters as much as anything.

These aren't trick questions. A good advisor will welcome them.

Advisory services offered through St. Johns Asset Management ("SJAM"), a registered investment adviser. Not personalized investment, tax, or legal advice.

Most people assume they need a financial plan. Fewer people are sure what one actually includes.It's not a portfolio. It...
09/28/2026

Most people assume they need a financial plan. Fewer people are sure what one actually includes.

It's not a portfolio. It's not a retirement account. It's not an investment strategy, though it probably includes one.

A financial plan is a coordinated picture of where you are, where you want to go, and what needs to happen between now and then. It covers income and spending, debt and savings, investments, tax-aware strategy, estate considerations, protection — and how all of those interact with each other.

The goal isn't a document. The goal is clarity. An honest picture of your financial life that makes it easier to make decisions, catch problems early, and build toward something specific.

If you've worked with a financial advisor but never felt like you had that kind of clarity, it might be worth asking what's missing.

Advisory services offered through St. Johns Asset Management ("SJAM"), a registered investment adviser. Not personalized investment, tax, or legal advice.

There's a well-known pattern in how wealth moves through families. The first generation builds it. The second generation...
09/24/2026

There's a well-known pattern in how wealth moves through families. The first generation builds it. The second generation manages it. By the third generation, it's largely gone.

It's common enough that it has a name. And it doesn't happen because families don't care — it happens because the planning that protected the wealth in the first generation was never fully communicated or structured to outlast it.
What does it actually take to build a financial legacy that holds? We wrote about it on the blog.

Read more → stjohnsasset.com/insights/generational-wealth-planning-a-guide-to-growing-and-protecting-your-wealth-for-decades-to-come

Advisory services offered through St. Johns Asset Management ("SJAM"), a registered investment adviser. Not personalized investment, tax, or legal advice. We do not provide legal advice — we coordinate financial planning alongside your estate planning team.

The financial life of a physician looks different from almost anyone else's.Years of training with minimal savings oppor...
09/22/2026

The financial life of a physician looks different from almost anyone else's.

Years of training with minimal savings opportunity. Student debt that shaped early financial decisions. A compressed peak earning window. A compensation structure — whether through a practice or a health system — that has specific planning implications most generalist advisors haven't seen before.

By the time most physicians are in a position to think seriously about their financial picture, they're already behind the runway they need. Not because of bad decisions — because the career itself doesn't leave room for it.

The catch-up is possible. But it requires a clear picture of where you actually are, what your options look like, and a plan that accounts for the specific way medical careers accumulate — and transition.

If you're a physician in Northeast Florida and you haven't had that conversation yet, we'd welcome it.

https://stjohnsasset.com/physicians

Advisory services offered through St. Johns Asset Management ("SJAM"), a registered investment adviser. Not personalized investment, tax, or legal advice.

09/20/2026

The retirement rules changed — and most people haven't adjusted their strategy to match

SECURE Act 2.0 introduced some of the most significant updates to retirement planning in years. Some of them are straightforward. A few are genuinely easy to miss — and missing them could mean leaving real money on the table.
We broke down what you need to know on the blog. If you're within fifteen years of retirement or currently contributing to a workplace plan, it's worth a few minutes.

Read more → stjohnsasset.com/insights/secure-act-20-an-overview

Advisory services offered through St. Johns Asset Management ("SJAM"), a registered investment adviser. Not personalized investment, tax, or legal advice.

09/17/2026

We're three-quarters of the way through 2026. A few things worth checking before the year closes out:

Has anything changed in your life this year that your financial plan doesn't reflect yet? A new job, a marriage, a divorce, the birth of a child, the death of a parent — any of these can affect everything from your beneficiary designations to your tax picture to your estate documents.

Are your retirement contributions on pace?

Have you had a real conversation about next year? Not market predictions — but what you want your financial life to look like in 2027 and what you need to do between now and December 31 to set that up.

If any of these feel overdue, September is a better time than December.

Advisory services offered through St. Johns Asset Management ("SJAM"), a registered investment adviser. Not personalized investment, tax, or legal advice.

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5233 San Jose Boulevard Suite 1
Jacksonville, FL
32207

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Monday 8:30am - 5pm
Tuesday 8:30am - 5pm
Wednesday 8:30am - 5pm
Thursday 8:30am - 5pm
Friday 8:30am - 5pm

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