December 14, 2025

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Happy Holidays

I hope you had a Happy Thanksgiving as the remainder of the holiday season rapidly approaches. I would like to take a few moments to wish you a Merry Christmas, Happy Hanukkah, or any other Holiday you may be celebrating, as well as a joyous, healthy, and prosperous New Year. As always, I appreciate your confidence and trust in me, and I am here to assist you with any questions or concerns you might have about your investments. Please contact me by using the telephone number or email address above if you would like to discuss your account or schedule an appointment.

Over the last 50 years, the S&P 500 has fluctuated on average between 0.7% and 1.00% daily. The index has fallen more than 1.00% on average about once every 9 trading days. With the S&P 500 at 6,765.88 a 1.00% drop would be about 68 points. With the Dow Jones Industrial Average’s close at 47,112.45 on November 25th, the 664.18 point increase looked rather large, but it was only a 1.43% increase. The key takeaway is, with increasing index levels daily point swings will continue to be larger in the future.

As in the past, you may receive a Client Account Update Form from my office in the mail sometime in 2026. The form is needed to update your contact and other required information. If you are scheduled to receive a Client Update Form, it will be in a separate mailing. Please make any necessary adjustments on the form and return it in the stamped envelope which will be provided.

Rebalancing and the diversification of accounts is a continuing process which has been successful and very well received. If you wish to opt out of the rebalancing and diversification program, or if you need to provide updated information, please contact me by using the telephone number or email address listed in the heading of this Holiday Greeting. There is also a Contact Us Form on the Jersey Benefits website.

If you have any questions or concerns about your accounts, please don’t hesitate to get in touch with me. End of the year consolidated statements and the Winter Newsletter will be coming in early January 2026. Referrals are always welcome!

John H. Kaighn

John H. Kaighn is Registered Representative, and an Investment Advisor Representative of Osaic Wealth, Inc. Securities and Investment Advisory Services are offered through Osaic Wealth, Inc. Member FINRA & SIPC. Jersey Benefits Group, Inc. and Jersey Benefits Advisors are independent of Osaic Wealth, Inc.

*Jersey Benefits Advisors is a trade name for J/M Kaighn, Inc. a corporation registered in the State of New Jersey, and Jersey Benefits Group, Inc. is a corporation registered in the State of NJ.

*John H. Kaighn is a Registered Representative and an Investment Advisor Representative of Osaic Wealth, Inc. Securities and investment advisory services offered through Osaic Wealth, Inc. member FINRA/SIPC. Osaic Wealth, Inc. is separately owned and other entities and/or marketing names, products or services referenced here are independent of Osaic Wealth, Inc.

*Insurance services provided by Jersey Benefits Group, Inc., a Licensed Insurance Producer in the State of New Jersey.

*John H. Kaighn is licensed to offer securities through Osaic Wealth, Inc. in the states of DE, FL, IL, MD, NC, NJ, NY, and PA., as well as investment advisory services in NJ. This Website should not be considered a solicitation for securities business or investment advisory services in any other state.

*This web page offers links to other companies. Once a hyperlink is activated, you will be leaving Jersey Benefits Group, Inc., and operate outside Jersey Benefits Group, Inc. Website. Jersey Benefits Group, Inc. is not responsible for the validity, completeness or accuracy of any information provided on those sites to which you may link. Furthermore, Jersey Benefits Group, Inc., Jersey Benefits Advisors and Osaic Wealth, Inc. shall not be liable for any direct or indirect system damage or other problems you may incur as a result of linking to any other website, including any consequences arising from your accessing third party technologies, sites, information and programs made available through Jersey Benefits Group, Inc.

*Click here to view Form ADV Part 2

*Click here to view Form CRS for Osaic Wealth, Inc.