April 3rd, 2019
Captain's Log


Spring has sprung! And we've all got the pollen sniffles and itchy eyes to prove it! Or are those tears in our eyes simply because we're so happy that tax season is coming to a close? In any case, it's a season of change as we prepare for the warmer months that are quickly headed our way. Summer creeping in on us is no excuse to put off thinking about the important things - like being sure you have a solid plan in place for retirement. 

This month's The Wealth Report discusses something that falls perfectly in line with our Chart Your Course planning system, as it addresses the concept of values-based financial planning. What this basically means is that you should be planning based on your own specific needs, values, and goals. It makes a lot of sense, but sadly we often see people investing and planning based on some predetermined expectation of what they should be doing rather than really sitting down to think about what target they're actually aiming for in the long run. 

Our Chart Your Course retirement planning system addresses all of the key planning areas that should be covered and we adjust things to line up with what each individual or family is trying to achieve. Check out the attached article and take some time to consider whether you're practicing values-based financial planning. If not, then we're here to help get you on track to where you want to be in retirement. There's no charge to meet with us, and a second opinion on your current plan can provide a lot of good information for you. You'll either leave with the confidence that you're going to be just fine or with some insight on what could be improved. All it takes is a little time and a friendly chat. 

If  there is anything we can assist you with, then just let us know.  And, as always, remember -  The purpose of the money dictates where you put it.  

Until Next Month,
Jim's signature
  James D. Stillman
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The Wealth Report:

How to Approach Values-Based 
Financial Planning

As young adults and working professionals, it's easy to get caught in a trap of "keeping up with the Joneses" and letting other people establish our values rather than setting our own. However, when it comes to retirement, those influences often fade away. Generally, the children are all grown up, so you don't have to worry about depriving them of things their friends have. You're also no longer in the workplace where people boast about their cars, houses, vacations, and expensive toys. 

In retirement, you can choose to do things that make sense for you. For many, downsizing into a home that's easier to maintain is a practical decision. So is living a simpler life spent reading books, attending local cultural events, enjoying carefully planned vacations or simply staying home for quality time with friends and family. 

All content is intended for informational purposes only. Any guarantees are for insured products only and are dependent on the claims paying abilities of the insurer.  All investments carry some risk and you should be advised by your personal financial advisor before implementing any strategies discussed, as they are not suitable for everyone. James D. Stillman is an Investment Advisor Representative of JDS Wealth Management Corporation and AE Wealth Management. 

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