December 30, 2022

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Happy Holidays

As the holiday season continues, 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. 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 would like to discuss your account or schedule an appointment.

We did receive a bit of positive economic news with the Consumer Price Index release on December 13, as the annual all items increase for the 12 months ending in November rose 7.1 percent. While this is still an unacceptable level of inflation, it is the smallest increase in prices since December 2021. Overall, as the Federal Reserve continues to raise interest rates and the inflation rate continues to subside, we are heading in the right direction.

As in the past, you may receive a Client Account Update Form from my office in the mail sometime in 2023. This form is needed to update your contact and other required information. Please make any necessary adjustments on the form. If you are scheduled to receive one, it will be in a separate mailing, so please return it in the 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 the telephone number or email address listed in the heading of this Holiday Greeting or by returning the form below.

JERSEY BENEFITS ADVISORS

P.O. Box 1406

Ocean City, NJ 08226

Phone (609) 827 0194

Fax (856) 637-2479

Email kaighn@jerseybenefits.com

website http://www.jerseybenefits.com

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 2023. Referrals are always welcome!

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.

John H. Kaighn

Name: ________________________________________

Address: ________________________________________

________________________________________

Phone: _________________________

Email: _________________________

Reason: _________________________________________

*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.