May Newsletter
May 2nd, 2018
Captain's Log


Well, I guess it's finally time to put the boat in the water, because it appears that summer is here. Time to get outside and enjoy this nice weather before it gets too hot! I'll keep it short this month and just refer you again to what we stated last month, especially for the folks that receive this email but are not current clients.


Just in case you missed it, last month I referred to a new study that was done by Roger G. Ibbotson PhD. I'd encourage everyone to do a quick Google search on Dr. Ibbotson to see his credentials. He's held in very high regard in the financial services industries, especially when it comes to retirement planning. Dr. Ibbotson basically warns seniors of the current danger of having a traditional retirement portfolio blended with a 60/40 or 50/50 mix of stocks and bonds in the current economic environment. But why is this portfolio blend a potential problem?

Two reasons:

1) The stock market will more than likely remain very volatile and is overdue for a major correction.

2) In a rising interest rate environment, the bond market will continue to lose value and that's exactly what we're in. It's really that simple. Dr. Ibbotson suggests using Fixed Indexed Annuities to replace the bond portion of a portfolio in retirement, and he has the proof to back it up.

It's in the study; all you have to do is read it. I'm concerned that not enough folks are aware of this, or not paying close enough attention to their portfolio strategies in retirement. So, I'm including the report and running it by folks again. I'm happy to report that we've been using these strategies Dr. Ibbotson suggests for many years, but it's nice to see the studies and research to back us up.

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


Is This The Perfect "Investment"
That Nobody Know About?
By James D. Stillman
                                May 2018

Time and again we hear folks complain about how tired they are of banks paying virtually no interest on savings, checking accounts, and CDs. Same thing could be said of bond yields. Everyone needs a certain amount of money safe and liquid, but it's been difficult to make a reasonable rate of return on that money in the current financial environment. 

Over this past decade there has been a war declared on senior savers and conservative investors alike. Fortunately, that's starting to change, but it's still tough to get a good return on safe or fixed income strategies.

The Wealth Report:
April 19th, 2018

Tariffs and Investment Strategy
In an effort to establish a new global trade policy, the Trump Administration announced it would impose a 25 percent tariff on imported steel and 10 percent on aluminum. That dictum was shortly followed up with an additional 25 percent tariff on approximately 1,300 Chinese exports worth about $50 billion annually.

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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