March Newsletter
Wednesday March 1st 2017
Captain's Log


I hope everyone is well and you've been enjoying this nice weather we're having. If this keeps up, I'll have to put the boat in early. I'll probably hold off, because that will just about guarantee that we'll get one more hard freeze!

Last month I discussed the DOL Fiduciary Rule that is scheduled to go into effect on April 10th. It now appears that there will be at least a 6-month delay in order to conduct further research and do due diligence on the proposed law and its effect on the financial services industry, as well as consumers. Many of you know that JDS Wealth Management already operates under the fiduciary standard, but if and when the law is implemented there will have to be new procedures put in place - even for those already acting in a Fiduciary capacity.

Banks, brokerage firms, Registered Investment Advisors, and insurance companies are all keeping a close eye on the DOL law outcome as it could affect product development, agent training & relicensing, profit margins, marketing, etc.  We'll keep you posted with any relevant updates.

Another thing we're hearing a lot of lately is that people are worried about a market correction. One the most asked questions we get at the office is this, "since the stock market has had such a good run, should we take some money off the table". Even though many are optimistic that the market will continue to rise, many are also aware that we've now been in an 8-year bull run. That's twice as long as the average bull market, and many folks are concerned there will be a major correction. I wish I had the proverbial "crystal ball" to give you the answer, but nobody does. Here's what I do know - DON'T RISK MONEY YOU CAN'T AFFORD TO LOSE! Have an appropriately blended strategy, don't get greedy, and have a written-out plan like our "Chart Your Course" plans. Balance out risk, guarantee a certain amount of income, allow for some growth, and most will be fine.

Enjoy this month's articles, and we'll be back at you next month.

And, as always, remember - T he purpose of the money dictates where you put it. 

Until Next Month,
Jim's signature
  James D. Stillman

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What's the Beef with Annuities?    
By James D. Stillman
March 2017


    For those concerned that they may outlive their assets (which statistically speaking is most people), annuities can provide a guaranteed stream of income that might ease those worries. In general, a lot of financial professionals say that putting a part of one's portfolio into annuities opens the door for taking on more market risk with remaining assets. 

The proper combination of annuities and investing offers the possibility for portfolio growth while still protecting income, which is something many folks are looking for in retirement. Given that annuities can help to accomplish a lot of what retirees want, I don't understand why so many people have a problem exploring how to work them into their portfolio. Here's how we use annuities to help our clients' families make the most of their retirement...

Global Financial Private Capital
Thought for the Week #420

Should Investors Fear Margin Debt?


* The margin debt story is viewed by some as a predictive indicator for a future equity market crash. 

* Margin debt can exacerbate a sell-off, but there is no statistical evidence that margin debt levels can predict an equity market decline.

* Although the use of margin debt is never recommended for individual investors, ignore the fear mongering around such a meaningless data point.

JDS Client Corner

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 pics to

Thank you to all of our clients and their guests who were able to attend our first ever Valentine's Day Ladies Lunch at Painting with a Twist in Mooresville. There was a little bit of painting, a little bit of wine and a whole lot of fun! We hope that everyone hung up their beautiful paintings to enjoy. 

Stay tuned for specific details about our next client appreciation event that will be held in May!
We will be holding an open house and shred event, so hold onto your tax documents and other personal documents that need to be securely disposed of.

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 Global Financial Private Capital. 

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."