October Newsletter
Wed. October 4th 2017
Captain's Log


I hope everyone is doing well and enjoying this beautiful weather we've been having lately. It sure has been nice out on the lake these past few weekends. As always, we've been busy keeping up with all the changes in our industry, as well as acclimating ourselves with our new institutional wealth management team. So far things have been awesome, and the support from our team has been fantastic.

For our clients that have invested accounts with us, we're continuing to build out our reporting systems. Soon you'll be able to view all of your assets on one simple page. This will allow you to see your investments, annuities, and other financial assets in one location. You'll be able to access the new reporting platform via the internet or an app on your mobile device. It's really cool stuff that has not been done before in our industry, so we're pretty excited to be part of it. We'll let you know when we're closer to launching.

Also of note: Last month I specifically attached an article about an annuity product we've had great success with called the Performance Elite 15 Plus. I'd encourage you to review last month's newsletter for the details. Simply put, the product gets a 12% premium bonus, and I've gotten annual statements recently that have returned anywhere from 7% - 14% this past year - on top of the bonus. Once interest is credited each year, it can't be lost due to market conditions. I'm mentioning this product again, because this can be a great place to put money that would otherwise be sitting idle at the bank. You get safety, a chance at a better rate of return than other safe vehicles, and it can be annuitized later on to create guaranteed income if needed. Let us know if you'd like to see if this fits into your overall plan. 

If you have any concerns or questions, then feel free to get in touch. We'll be happy to get your questions answered. Check our website for upcoming educational workshops, archived radio shows, Lake Norman Currents articles, free reports and more.  

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

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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Five Key Areas of Retirement Planning

By James D. Stillman
October 2017


Hello Lake Norman Currents Readers! As some of you may know, I have written an article each month for Lake Norman Magazine for the past six years, and we've developed a nice following, but September was Lake Norman Magazine's last month in print. We're sad to see them go, but we wanted to be sure we found a new home to share our tips and strategies for ensuring a successful retirement, so we're glad to now be a part of Lake Norman Currents. We appreciate you reading and look forward to sharing our retirement planning knowledge in the coming months and years.

For those of you who haven't seen us before, I'll give you a little bit of a feel for who we are at JDS Wealth Management. We are a family firm - comprised of myself, my co-advisor/daughter Kelly, and her husband Matt as our office manager - that focuses on retirement planning. We operate on both the insurance and investment sides of the financial industry and take pride in our ability to provide well-balanced comprehensive retirement plans to our client family. We are an independent fiduciary firm and we work hard to be sure we're providing the best possible solutions to the concerns our clients face. 

The Wealth Report:
September 19th 2017

Death: Like Other Financial Events, 
You Need a Plan


According to a June 2016 survey conducted by U.S. Legal Wills, 63
percent of respondents had no will at all, and only half of those over age
65 had a will that was up to date. Wealthier households were no more
likely to have a will, and if they did, it was more likely to be out of date.

Even the most basic financial planning can be impactful in the wake of
your death. For example, do your loved ones know where your assets are
maintained, and can they easily access the relevant paperwork? It's a
good idea to develop a financial fact sheet that provides details about
each of your bank accounts, investments, pension or other employer
plan, etc.

When someone passes away, just paying the bills can become a chore,
worsened by the fact that loved ones are grieving. The last thing you
want is for the power to be cut off or long-term care insurance to default
because you weren't there to pay the bills. In addition to creating a
financial fact sheet that includes online login credentials, store all of your
critical documents in a secure location and let your loved ones know
where that is. If you use a safe deposit box, make sure your survivors will
be allowed access.

JDS Client Corner

This section is normally reserved to showcase our clients and their adventures, but I wanted to share an exciting change that is happening here at JDS. Our last article appeared in Lake Norman Magazine last month and we will be moving to Lake Norman Currents magazine starting this month! You will still find all of the informative content from Jim, just in a new location! Be sure to visit their website to view current and past issues and read Jim's newest article.  http://lncurrents.com/

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 matt@jdswealthmanagement.com

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."