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January 3, 2018
Merry Christmas and Happy New Year

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.


As we entered the Christmas season last year, the Dow Jones Industrial Average was approaching the 20,000 level and 12 months later, it is flirting with 25,000.  Once again, the Federal Reserve has increased the federal funds rate by a ¼ point to between 1.25% - 1.50% at the December FOMC meeting as they slowly continue to attempt to normalize interest rates.  The economy is almost performing in line with the Fed’s dual mandate of a 2% annual inflation rate and maintaining full employment.  Currently, the unemployment rate is 4.1%, and inflation is running consistently below 2%.


The annual Christmas Price Index released by PNC, another indicator of inflation, albeit quite tongue in cheek, also suggested a very slight increase in prices.  The overall cost of all the items in the song “The Twelve Days of Christmas” rose by an annual rate of 0.7% for 2017.  The cumulative cost of the items listed in the song, including all the repetitions, would set you back $157,558.00 this year.  For the entire PNC report, please visit The Kaighn Report section of my website, which is


Some of you may receive a Client Account Profile Form in the mail sometime in 2018.  This form is needed to update your contact and other required information.  Please make any necessary adjustments to 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, 2018.  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 at the bottom of the page & mailing it to the address above.




                 Name:  _________________________  


                Address:  __________________________________________


                Phone:  _________________________                  


                Email:   _________________________  

                Reason:  ___________________________________________














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