August 2016

Welcome to the summer heat! Judy and I were out on the lake last Saturday, and the water was like 95 degrees! Yikes! But that's summertime in the south, I guess. Kelly and Matt are actually on an Alaskan cruise this week, so they're getting a nice break from the heat.

As always, we're keeping very busy at the office. Just a quick note that a few of the insurance companies we work with are getting ready to "trim back" on some of their annuity benefits, while others are pushing for new business by offering innovative strategies that look pretty impressive for those that want "safe growth" on their investable assets. If you're looking for a safe option where you have the potential for better rates than the bank, then maybe you should consider looking into some of these annuities that are designed for "safe growth".

Also, life insurance rates continue to drop (yes, I said drop), because of the updated actuary tables being put into place this year. That's a good thing folks, and any of you that have been thinking about life insurance and legacy planning should take advantage of this while in good health. Having a solid life insurance plan in place can be a great advantage for your heirs when it comes to replacing taxes paid on IRA accounts they may inherit.

NOTE: For our clients that have assets with Global Financial Private Capital, you'll be getting a letter about updates & changes happening at Global. It's very exciting stuff that will enable all of us to grow, have more and better opportunities moving forward, and to streamline reporting for all of our clients. So, if you have not already gotten the letter, please be looking for it soon. Should you have any questions, please feel free to give us a call.

Please remember: THE PURPOSE OF THE MONEY DICTATES WHERE YOU PUT IT

Enjoy this month's articles. I think they are very informative and timely.

Until Next Month,

James D. Stillman

Insurance Planning In Retirement: Why It's The Most Important Thing You Can Do

Lake Norman Magazine, August 2016

INSURANCE. Don't you just hate that word? Those darn insurance companies are always out to screw us just so they can get rich and build bigger buildings, right? Has your financial adviser or broker ever told you that you don't need life insurance now that you're retired? That it's only for when you're younger and have kids and a big mortgage and a bunch of debt or other obligations. You certainly don't need it to bury you, because you've got more than enough money to do that. Well - NEWS FLASH - life insurance can be used for many things that I'll touch on later, so be careful of ignorant advice like what I just listed.

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. 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."

This Month

Insurance Planning In Retirement: Why It's The Most Important Thing You Can Do

Finding Good Information

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