Why Invest with James?
Disciplined, Repeatable Process
NOT A Closet, or Enhanced Index
Our Stock Selection Has Potential To Add Value
Veteran
Team
Truly
Independent
Our Mission
Our veteran team of professionals is committed to alleviating uncertainties and providing confidence in achieving your financial goals through independent research.
We are dedicated to respecting and supporting our team, clients and community. We believe this will provide the rewards of continued growth and shared profitability.
GUIDING PRINCIPLESEducation
What is the TSP?
A Thrift Savings Plan (TSP) is a retirement plan for groups of people who work for the federal government. Mail carriers, military personnel, and civil government workers are the main groups of people who make up the participants in the plan. We hope this helps you understand how the TSP works.
TSP Investments
One of the flagship benefits of the TSP is their low-cost investment options. However, a recent development with the TSP is that they are offering a mutual fund window. Read the article to understand the investment options available in the Thrift Savings Plan.
TSP Distributions
In this article we will cover options to take money out of the TSP. Find out how you can withdrawal while still working, and after you leave government employment.
Inflation
It looks like higher inflation will stick around for a while longer. What should you consider whether you are retired, close to retirement, or still in your working years?
Strategies for Retirement
Most retirees pull money from the wrong accounts at the wrong time. With better strategies, retirees can minimize their taxes and increase the inheritance they pass to their heirs.
Medicare Plans
What is the difference between Medicare and Medicare Advantage? What does Medicare cost? How do I make a decision? Do I have enough saved to cover health care expenses in retirement? Read the full article here.
Social Security Funding
Determining when to start Social Security benefits is a common question. So is wondering how long Social Security will be around. There is a lot of misinformation out there, so we wanted to dispel some of the myths.
Volatility; Now What?
The market began 2022 with much volatility, which is very concerning. When someone is worried about an event, the best way to counteract that fear is to learn about what is happening and take advantage of the opportunities the worry presents.
Plan a Legacy
Why do 70% of wealth transfers fail? The results might surprise you. Focus on a family that has purpose outside of money as you create your legacy.
Should I Pay Down My Debt?
As Boomers head into retirement, the question becomes should they be paying that debt off? Well, the safest answer is: it depends. That's a cute answer, but what does it depend on?
Insights
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Market Commentary
Market Commentary - June 2023
- The “Debt Ceiling” debate in May had a negative impact on financial markets.
- The banking crisis continues to have a lasting effect as banks tighten credit standards.
- The Federal Reserve is divided about the future interest rate path due to persistent inflation and a resilient job market.
- The recent market rise has been driven primarily by a small group of mega-cap stocks.
- The timing, severity, and duration of the highly anticipated recession are currently subjects of extensive discussion and speculation.
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Market Commentary
Market Commentary - May 2023
- Shift in Federal Reserve interest rate tightening expectations.
- Slowing inflation
- Banking crisis and ensuing credit tightening
- Signs of a cooling economy: softening labor market and consumer spending.
- Earnings deterioration and strong gyrations in bond market.
- Rising odds of a recession may require a more defensive posture.
Market Commentary
1st Quarter 2023 Newsletter
Webster’s Dictionary defines volatility as “a tendency to change quickly and unpredictably”. During the first quarter of 2023 there is no better word to describe what has happened. Read more here.
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Market Commentary
2nd Quarter 2023
Catch up with our thoughts on the U.S. economy and financial markets. This in-depth analysis serves as a blueprint for our investments.
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Market Commentary
SVB's Demise: Navigating Turbulent Markets
In this brief presentation, we aim to provide clarity on the recent default of Silicon Valley Bank (SVB), the nation's 16th-largest bank, and its impact on savings and financial markets, which have raised significant concerns among many.
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