Hope everyone is enjoying our beautiful North Carolina fall weather. Kelly and I have been quite busy at the office this past month with seminars, our radio show, appointments, and client events. I want to thank all the folks that attended our End of Summer Bash/ My 60th Birthday Party at The Quarry at Carrigan Farms in Mooresville. It was a wonderful day at a beautiful setting, and we had a great time. Thank you for attending, and thank you for all the kind words and birthday wishes. I truly appreciate it.
This past month Kelly and I have done some traveling to educational events in Raleigh NC and Tucson AZ. These events have had some of the top financial minds in our business, both on the insurance side and the equity side of our business. A lot of positive things are happening, and companies are working hard to develop products to meet the needs of retirees and baby boomers. I feel very fortunate to be associated with some of the best organizations and brightest minds in our business. This allows us to stay on top of the latest strategies and products available to our clients, and future clients. I don't have time in this newsletter to go over everything, but I want to point out that Fixed Indexed Annuities continue to shine and develop at a faster pace than any other investment or savings strategy available today. "Hybrid" fixed indexed annuities are all the rage and for good reason. Just like any strategy, there are always pros and cons, but the pros far outweigh the cons. I'd encourage everyone to learn more about these innovative new programs. In my opinion, you are simply missing the boat by not doing so!
All you need to do is give us a call, shoot us an email, or stop by the office and we'll do what we can to help you out. Enjoy this month's Thought for the Week and Lake Norman Magazine article. Also remember to tune in to our radio show! It's filled with good information, and it's been a lot of fun so far. We're on every
Saturday morning from 10:00 - 10:30am on WSIC AM 1400, or you can listen online, or the shows are archived on our website.
Until next month,  James D. Stillman  JDS End of Summer Bash & Jim's 60th Birthday Party September 8th, 2013 - The Quarry at Carrigan Farms |
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Medicare Planning 101
Lake Norman Magazine, October 2013
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I've had numerous people ask me to write an article about basic Medicare insurance planning, so here it is. Having a good Medicare insurance plan is an important part of any overall retirement plan. Once you reach the age of 65, you become eligible for Medicare and some important decisions must be made. Please be aware, Medicare does not pay for nursing home or Long Term Care expenses! Long Term Care planning is a whole separate issue retirees must address.
Medicare has four parts, and each part has certain charges and deductibles. Most folks have worked long enough (40 quarters / 10 yrs.) and paid into the Medicare/Social Security System so that Part A of Medicare is free.
Part A is for hospital insurance - it covers inpatient care, limited skilled nursing, limited home health care, and hospice. Part B is for medical insurance- it covers doctors and health care providers, outpatient care, medical equipment, and some preventative services. Part C is for Medicare Advantage Plans. These are for people who opt out of traditional Medicare and enroll in a contracted hospital network that provides benefits similar to Medicare. Medicare pays the hospital network a certain amount per month for each contracted patient. Part D is for prescription drug coverage.
Read more...
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Short Term Pain For Long Term Gain
GFPC Thought for the Week (268)
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*The recent market volatility has presented an attractive opportunity to put our large cash position
in the DIAS Conservative Income (CI) portfolio to work.
*In doing so, we also dispel three common myths in the market that are critical to understanding
why we continue to strongly favor income producing equities to other asset classes.
*Income seeking investors are strongly urged to think long-term and stay invested through these
periods of market volatility.
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Implications of a Government Shutdown
GFPC Thought for the Week (271)
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*The focus of the media has shifted from tapering of Quantitative Easing (QE) to the potential for a government shutdown within the next week.
*The U.S. has endured several shut downs in the past and the majority have only lasted a few days with very little impact, if any, to the economy.
*Investors are strongly urged to ignore any short-term volatility fueled by this uncertainty because a government shutdown will likely not change the long-term thesis for owning equities.
Read more...
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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 advidor before implementing any strategies discussed, as they are not suitable for everyone.
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."
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