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
Inheritance
Inheriting assets can be overwhelming, and many people make mistakes because they are unsure of what to do. Whether you lost a spouse or a loved one, seeking professional advice is essential to help avoid costly mistakes and missed opportunities.
Pensions
Although for many, pensions are a thing of the past. Those who have one often have many questions about their choices and what would be best for them.
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 – September 2023
- In August, major market indices experienced a minor setback compared to the overall trend in 2023.
- Throughout 2023, growth stocks significantly outperformed value stocks, particularly among larger companies.
- Bond investors faced challenges due to rising yields, resulting in price declines.
- Inflation exhibited a downward trend since its peak in June 2022.
- Possibility of a resurgence in economic growth and sustained inflation in 2024. However, a more probable scenario involves an economic slowdown with inflation around 3%.
- Potential risks to this perspective include increasing oil prices, strong consumer resilience, changes in manufacturing dynamics, and geopolitical uncertainties.
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Market Commentary
Market Commentary - August 2023
- July saw strong performance in stocks, including broad market participation and strong small-cap performance.
- Inflation is on a downward trajectory due to various factors such as decreasing shelter costs and goods sector inventory glut.
- Q2 might be the earnings growth low point, with potential for improvement ahead despite challenges from inflation and revenue growth.
- U.S. Dollar is in a downward trend due to market expectations and global interest rate trends.
- Companies with substantial overseas revenue are outperforming domestic-focused ones year-to-date.
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Market Commentary
El Niño 2023-2024 | Market Impact Review
El Niño is a climatic phenomenon characterized by a band of above-average ocean surface temperatures that develops every three to seven years.
Read our report to learn of El Niño’s historic impact on the markets.
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Market Commentary
2nd Quarter 2023 Newsletter
Despite the widespread pessimism pervading the financial markets, their actual performance is surprisingly robust. Overall, while there are challenges and potential risks on the horizon, the current state of the economy suggests a cautious approach rather than an impending downturn.
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Market Commentary
3rd Quarter 2023 Outlook
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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