Meet with us at our offices in Naples, Fort Myers and Bonita Springs, or work with us throughout Southwest Florida.
Where would you like to start?
People come to us at different stages of their financial lives. Some are approaching retirement. Others are already there. And some simply want a second set of eyes on the wealth they’ve built. Wherever you are, the first step is understanding what you own, what you want it to accomplish, and whether the two are aligned.
You’ve spent years building your wealth. Now you want to know whether your savings, accounts, and timing can support the retirement you have in mind.
We bring your accounts together, evaluate spending needs, reserves, and investment strategy, and help identify the decisions that matter before retirement begins.
Retirement changes the job of your portfolio. You’re no longer only accumulating wealth; you’re deciding how to turn it into income while keeping the rest working for you.
We coordinate withdrawals, cash reserves, investment income, and account selection while considering the tax implications of where your next dollar comes from.
You’ve accumulated IRAs, 401(k)s, brokerage accounts, or other investments and want to know whether they’re still the right way to put your wealth to work.
We take a fresh look at allocation, concentration, risk, costs, and individual holdings, then explain what we would keep, reconsider, or approach differently, and why.
What we do
Financial planning defines what your wealth needs to accomplish. Investment management puts that strategy to work. At Juth, the two stay connected, and you work directly with the same advisors for both.
Serving investors and retirees throughout Naples and Southwest Florida, with clients also served in New York and New Jersey.
Before we recommend changes, we understand the full picture: your accounts, goals, time horizon, cash and withdrawal needs, tax considerations, and tolerance for risk.
Once the strategy is clear, we manage the portfolio directly; combining long-term investing, in-house research, ongoing risk review, and selective options strategies where appropriate.
Founder-led advice
Juth Investment Advisory is owned and led by Jonathan and Ruth Grogan, CPA. Jonathan leads investment research and portfolio construction. Ruth brings a CPA’s analytical perspective to planning, account review, and the decisions surrounding your broader financial life.
You aren’t separated from the investment process by layers of relationship managers. You can speak directly with the people researching investments, reviewing your accounts, and responsible for the strategy behind them.
Investment approach
The value isn’t simply having access to stocks and ETFs. It’s deciding what deserves a place in the portfolio, how much to own, what role it serves, and when the thesis has changed. Read about our investment management process.
We select individual companies and targeted, sector-specific ETFs for a defined role in the portfolio, not simply because they belong in a benchmark.
Positions are generally entered with a long-term thesis and reviewed as the facts change.
We continually evaluate concentration, position size, cash levels, valuation, changing fundamentals, and portfolio risk alongside what you need your capital to accomplish.
Options may be used selectively for income, hedging, or defined-risk opportunities when we believe they serve a clear purpose in the portfolio. They are a tool, not a default allocation.
Investing involves risk, including possible loss of principal. Options involve additional risks and are used selectively when appropriate; hedging may reduce certain risks but cannot eliminate them.
