March Newsletter
March 7th, 2018
Captain's Log


I'll keep it short this month, but I'd highly encourage everyone to take a look at last month's newsletter given the current roller coaster ride we're on in the stock market. Now there's no need to totally freak out if you have time on your side, but I keep bringing up the fact that there are good alternatives to the market if you want to get safe, but still have the opportunity for growth.

One of the questions that comes up in almost every appointment I have lately is "what can you tell me about Trump's tax bill?" Is it good? Is it bad? Will it help me? In my opinion, overall, it's good for most folks, and it certainly helps small business owners and large corporations alike with the reduction of corporate taxes. A couple problems are that the tax cuts for individuals will expire in 2025 and the bill adds $1.5 trillion to the federal deficit. The Trump administration is hoping that we'll be able to grow our way out of the deficit with strong economic growth. Only time will tell, but personally I think that's an uphill battle given all the fighting in Washington. I'd love to say more and blow off some steam, but I'll leave it at that.

My team has come up with a good outline of how the tax legislation will affect investors and business, and why it was written the way it was. It's done by Andrew H. Friedman & Jeffrey B. Bush. Andrew H. Friedman is the founder and principal of The Washington Update LLC and a former senior partner in a DC law firm. If you'd like a copy of this outline, then let us know and we'll be sure to get it to you.

In any event, if you're concerned about market volatility, or would like your own risk analysis & Chart Your Course Retirement Plan, then just give us a call or shoot us an email and we'd be happy to help you. 

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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Legacy Planning 
in Retirement

By James D. Stillman
                                March 2018

This month I'd like to discuss the fifth and final of our key areas of retirement planning using our "Chart Your Course Retirement Planning System" - Legacy Planning. We've already touched on income, investment, healthcare, and tax planning. In reality, legacy planning in its most basic form doesn't have to be much more than being a good steward of your money using the four planning areas already discussed, so you don't lose your hard-earned dollars. But what exactly do we mean when we say "Legacy Planning"? Simply put, it means taking some steps to allow you to leave a legacy (that's a fancy word for money) to your family, church, charitable organizations, educational institutions, etc.

The Wealth Report:
February 8th, 2018

The Data-Informed Investor

The performance of an individual stock may be driven by company
fundamentals, a corporate announcement or developments within its
industry. However, broader movements within the stock market more
often are driven by changes in the economy, investor sentiment and
widespread trends across various market sectors. Dozens of key
economic indicators signal changes in the direction of the economy.
These regular reports are monitored to help investors, market analysts
and wealth managers make day-to-day decisions about when, where and
how to invest money.1

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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