September Newsletter
Wed. September 6th 2017
Captain's Log


I guess summer is unofficially over since we're now past Labor Day! I keep saying that the older we get the faster time seems to pass. I guess the moral of the story is to take advantage of every day, since nobody guarantees you the next day. Just think of all those unfortunate folks down in Texas. I just can't imagine going through what those poor folks are dealing with, but our thoughts and prayers are with them. And we're keeping our fingers crossed that Irma will make a turn and hopefully avoid too much destruction. 

As you know from the last few months' newsletters, we've been updating things here at JDS after the implementation of the DOL Fiduciary Rule, as well as our decision to work with a new money management team. One of the biggest benefits of our new team is a tool called Riskalyze, which is used to determine how much risk any individual should be taking. I would encourage all our newsletter readers to learn more about Riskalyze and get a free analysis of your current portfolio to see if your investments are aligned with your personal risk tolerance. To learn more and complete your own risk questionnaire, CLICK HERE - there are a few videos that explain Riskalyze, as well as a button you can click that says "What's Your Risk Number?". One of the first questions people often ask us is "when do you think the stock market will crash?", and I'll tell you that I don't have a clue. It's been an eight-year run, and it might be a good time to take some money off the table and reduce risk, especially if you're retired. Having said that, if planned properly with our Chart Your Course Retirement Plan, then it won't matter much what Wall Street does.

Also of note:  CLICK HERE to read an exciting update on a popular line of annuities from Athene Annuity & Life called the Performance Elite Series!

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 Magazine 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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The Most Important Thing You Can Do to Secure Your Retirement

By James D. Stillman
September 2017



"What can I do to be sure that I can retire?" It's a common question we get asked a lot. So, what's the magic answer to the million-dollar question? Tongue in cheek, I'd advise you to get a job! I guess that one's pretty obvious. But, all kidding aside, the answer is simply to develop a written retirement plan - and stick to it as best as possible.

Here's what your plan should include:

1) Make sure you pay yourself first. Establish a target savings rate by slicing out whatever you can afford (I recommend at least 10% - 15%) each pay period and contribute to some sort of retirement plan. This is extremely important, and the earlier you start the better. Do yourself a favor and be disciplined. It will pay off in the long run.

The Wealth Report:
August 17th 2017

College Planning


For the 2016/2017 school year, the average charge for tuition, fees, room
and board at a four-year public university was $20,090; for a private
institution, it was $45,370.2 Families with multiple children in college at
the same time may find this cost overwhelming to their financial situation
and long-term security.

There are a couple of different strategies to save for college. The first is
to save and invest in one account and hope you have enough to pay for
everything - down payment for a house, college, retirement, etc. The
second way is to choose separate vehicles specifically designed for each
financial goal. The advantage to the latter strategy is that it avoids the
temptation to "rob" from Peter's college savings account to pay for
Paul's roofing catastrophe.

Moreover, investment and savings vehicles designed for specific goals
typically offer additional advantages to help maximize contributions.

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 will appear in Lake Norman Magazine this month and we will be moving to Lake Norman Currents magazine starting in October. 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 look for Jim's article next month.

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

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."