June  Newsletter
June 6th, 2018
Captain's Log


We hope everyone is staying dry with all this rain we've been having! It's been awhile since I've seen the lake at full pond for this long. I get to cut the grass twice a week, which is kind of a pain, but it sure looks good! We shouldn't complain, because in two months we'll be in our usual summer drought and will be praying for rain.

Along with our normal updates from our money management team and my Lake Norman Currents article, I'm including a report that was put together by our advanced planning and life team at Advisors Excel. It points out the importance of long term care planning in retirement and the costs associated with it if you don't plan. I know I've talked about this in the past, but the bottom line is that the problem keeps getting worse for retirees. It's a vital part of retirement planning, and I'd encourage everyone to learn about the alternative options that are available to cover this potential expense in retirement.

I can tell you that over the past five or ten years, insurance companies have become very creative in developing alternative products. Yet, very few people are made aware of these alternative strategies, but we'll keep trying. So again, I encourage anyone who has this concern to give us a call to learn more about what you might be missing out on.

If you'd like your own
Chart Your Course Retirement Review or a second opinion on your current retirement plan, 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

Featured this month
JDS Quick Links


Finding Higher Yields
in a Low Yield World
By James D. Stillman
                                June 2018

It seems that not long ago, you could build a reliable portfolio of income-producing investments with just a few simple steps. It's not so easy these days with "safe money" options lucky to get 1%-2%. Since income should be your main priority in retirement, this is a huge issue that needs to be addressed.

In my humble opinion, traditional fixed income portfolios could be in for a rude awakening since we've built a massive bond bubble. As the Feds raise interest rates, be prepared to see the value of your bond portfolio decrease.

The Wealth Report:

Dividend Stocks for Retirees

In the U.S., interest rates have remained relatively low for about a decade - since the Great Recession. Low rates are a problem for conservative bonds, traditionally a preferred investment for retirees. Because of low income yields, retirees have sought supplementary income from more aggressive holdings. One such security is the dividend stock.

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."