December Newsletter
Wed. December 6th 2017
Captain's Log


We hope everyone had a great Thanksgiving! I can't believe another year has flown by. Where does the time go? We look forward to seeing many of you at our annual client holiday bowling party this Saturday at George Pappas' Victory Lanes in Mooresville. It's always a ton of fun for the kids and grandkids, as well as us "old people". There's still time to sign up, so give us a call at (704) 660-0214 if you'd like to join the fun!

There's one important point I'd like to make in this month's newsletter. Without question, the number #1 thing we get asked lately is this - "when is the stock market going to crash?" Kelly and I discussed this on one of our recent radio shows, and I also discussed this in a recent interview with Harold Johnson on WSIC radio. I'm sure most of you are well aware that the stock market has been hitting record highs over and over again, and that's generally regarded as a good thing. But, this bull market is approaching a nine-year run, and we all know it won't last forever. A typical bull market lasts about 36 - 48 months before it crashes like in 2008-2009 or 2000-2002. I could give you all kinds of other fancy statistics beyond that, but I'm sure you get the point. People are getting concerned that a correction is coming soon.

So, for whatever it's worth here's my professional opinion on the whole thing. DON'T GET GREEDY! I'm sure you've heard of the saying "pigs get fat, and hogs go to slaughter". Sometimes it makes perfect sense to count your blessings and take some money off the table. I believe this is one of those times. In my opinion, the older you are the more you should look to lock in your gains and re-balance your overall portfolio accordingly.

Our job at JDS Wealth Management is to help folks both protect assets and grow assets, but it has to be done using the appropriate blend for each family or individual. We've used some incredibly successful strategies over this past year to do this, so just give us a call or shoot us an email if you'd like to learn how others have done so.

Enjoy this month's articles, and everyone have a VERY MERRY CHRISTMAS AND HAPPY NEW YEAR!  

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 Changing World of Retirement Investment Strategies

By James D. Stillman
                                December 2017


   "When is the stock market going to crash?" seems to be the number one question we get asked lately. Wow, do I wish I had the answer to that one! The bottom line is that nobody knows for sure, but I can tell you that if you plan properly, it shouldn't matter much. Below are what are called the "three buckets of money", and the trick is to know how much to have in each bucket as you grow older.Too many people leave too much of their money in the growth bucket through retirement, which leads to unnecessary stress over trying to predict what the markets will do.If you've got things split up correctly, then fluctuations in your investments shouldn't make or break your lifestyle. 

The Wealth Report:
November 2nd 2017

Retirement: What's a Safe Savings Rate?


Previous studies have emphasized the strategy of consistent saving
practiced throughout one's career to meet retirement income goals.
However, these studies generally assume a consistent savings rate
starting at age 25 until retirement. Unfortunately, that's not a common
scenario. Because starting salaries are often just enough to pay for a
worker's cost of living, many people do not actually start saving on a
regular basis until their 30's or 40's.

Furthermore, a consistent savings rate is generally aligned with
cost-of-living increases, but there are two problems with this. First,
workers typically increase their income during the early portion of their
career at a much higher rate than inflation. This is usually accomplished
by early promotions or switching jobs to procure a substantial increase
in salary. Second, because the personal savings rate at the beginning of
a career tends to be quite low, it doesn't account for the ability to
increase the percentage of income workers can save as their salaries
increase - for example, from a 2 percent salary deferral on up to 10
percent later in their careers.

JDS Client Corner

Last Call for our annual Holiday Party! It will be held this Saturday December 9th from 11 am - 3 pm. Please give us a call at 704-660-0214 to let us know if you're coming. We will have bowling, billiards, food, drinks and plenty of fun! Friends and family are welcome!

We will feature pictures and stories from our valued clients as well as our family in this section each month.
If you'd like to be featured in next month's Client Corner, 
please email your story to

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. 

JDS Wealth Management Corporation's outgoing and incoming e-mails are electronically archived and subject to review and/or disclosure to someone other than the recipient. We cannot accept requests for securities transactions or other similar instructions through e-mail. We cannot ensure the security of information e-mailed over the Internet, so you should be careful when transmitting confidential information such as account numbers and security holdings. If the reader of this message is not the intended recipient, or an employee or agent responsible for delivering this message to the intended recipient, you are hereby notified that any dissemination, distribution or copying of this communication is strictly prohibited. If you have received this communication in error, please notify us immediately by replying to this message and deleting it from your computer."