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Home > The Kaighn Report > Client Christmas Greeting 2019
December 15, 2019
Client Christmas Greeting 2019

Happy Holidays

As the holidays rapidly approach, I would like to take a few moments to wish you a Merry Christmas, Happy Hanukkah, or other Holiday you may be celebrating, as well as a joyous, healthy and prosperous New Year.  I appreciate your confidence and trust in me, and I am always here to assist you with any questions or concerns you might have about your investments.  Please feel free to contact me by phone or email any time you’d like to discuss your account or schedule an appointment.


Last Christmas Eve, as I’m sure you all remember vividly, the market flinched and gave back all the gains for 2018 in one fell swoop, in reaction to the Federal Open Market Committee’s interest rate increase, which the markets collectively said was, “Too much too fast”.  Twelve months later, the markets are near record levels which were recently set in November 2019.  With interest rates still at historical lows, tariff and trade negotiations with China seemingly on the same page and a recovering global economic situation, there seems to be a cautiously optimistic tone for the remaining weeks of 2019.  The economy is performing in line with the Fed’s dual mandate of controlling inflation and maintaining full employment.  Currently, the unemployment rate is 3.5%, and over the last 12 months wages have increased 3.1%, while inflation is running at 1.8%.  The Labor Force Participation Rate was 63.2% in November, which is still below the record rate of 67.1% in 2000.


I’m quite happy to report, just over a year since the transition to Advisor Group Inc.’s Royal Alliance Associates, Inc., there are no major issues with any client accounts, client feedback has been very positive and the management at Advisor Group, Inc. has been more than helpful addressing any minor issues which have manifested during the year.  As accounts are updated, paperwork will be sent from the home office for you to review for accuracy.  If you should receive any correspondence from the Advisor Group Inc. Home Office or the Royal Alliance Inc. Home Office, feel free to contact me to discuss it, and to make any necessary adjustments to reflect your most current account information.  Some new customer information being requested, as a result of the “Know Your Client” initiative, is Trusted Contact and Driver’s License Numbers, as well as Liquidity Needs and Special Expenses. 


As in the past, you may receive a Client Account Update Form from my office in the mail sometime in 2020.  This form is needed to update your contact and other required information.  Please make any necessary adjustments to your information on the form and return it in the envelope 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 provide updated information, please contact me by the telephone number or email address listed in the heading of this Holiday Greeting or by returning the form on the reverse side.


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 January, 2020.  Referrals are always welcome! 



John H. Kaighn



If you have had any changes in address, phone number, email, marital status or would like to set up an appointment, please contact me by phone, email or by completing the form below & mailing it to the address above.




        Name:  _________________________   Address:  __________________________________________


       Phone:  _________________________                  __________________________________________


       Email:   _________________________   Reason:  ___________________________________________







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

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*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 DE.

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

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

*John Kaighn is licensed to offer securities through Royal Alliance Associates, Inc. in the states of CO, 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 Royal Alliance Associates, 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.

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