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  • Home
  • Our Services
    • Retirement Income Planning
    • The Fiscal Cliff of Retirement
    • Social Security Optimization
    • Tax Preparation and Planning
    • Estate and Asset Protection
    • Wealth Management
  • TV Appearances
  • Team
  • Contact Us

TV Appearances

Happy Halloween – Tricks and Treats in the Scary World of Finance

Tricks and Treats in the Scary World of Finance Here are 3 things to look out for in your personal finances: High Interest Credit cards (up to 22%) Forgotten / unspent gift cards Unchecked auto-payment on utilities / services and subscriptions. Take control of these scary situations! Prioritize to payoff those high interest credit cards as soon as possible. Don't put those giftcards away and forget about them.  Go find...

October 24, 2017 Budget, Fox 4 News, Lifestyle, News, Video
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RMDs and Minimizing Taxes Through Charitable Giving

Tax Planning Tip: Required Minimum Distributions (RMD) are mandatory IRA Distributions starting at age 70 1/2.  The IRS enforces this rule with a hefty 50% penalty for non-compliance! One option to consider to minimize your tax obligation is to have your RMD paid straight to a registered charity.  Of course you'll want to verify that your intended recipient is, in fact, properly registered with the IRS via one of these...

October 5, 2017 Charitable Giving, Fox 4 News, News, RMD, Tax Planning, Video
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Equifax Breach

Equifax has dominated headlines recently due to a security breach that may have compromised personal information for as many as 143 million Americans - roughly 44% of Americans are at risk from this intrusion! Identity theft is nothing short of a nightmare for its victims, so investors are understandably anxious to protect themselves. James' interview with FOX4 shares the steps you can take to understand if you might be affected...

September 29, 2017 Fox 4 News, News, Security, Technology, Video
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Coaching

Is your kid going to be the next Payton Manning or Olympian Gymnast?? You know that having a good coach for them is essential, so how about a good coach for you? For 7 years I coached travel Hockey with my daughters team.  I learned a lot in those years about the hidden costs of youthful athletic dreams.  I also learned that those dreams are worth fighting for.  They bring...

October 3, 2016 Fox 4 News, Lifestyle, Retire, Uncategorized
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New Year’s Resolutions

New Year’s Resolutions

Is your New Year’s resolution to be better with your money? For so many of us, our resolutions about budgeting, spending and saving turn into epic fails year after year. Financial professional James Gallagher talked with FOX4 about 5 common reasons budgets fail: 1. Your Goal Isn’t Clear 2. You’re Using the Wrong Numbers Click HERE for a budget worksheet to get you started 3. You’re Not Realistic 4. Emotions...

December 17, 2015 Budget, Fox 4 News, Lifestyle
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Holiday Budget Busters

Holiday Budget Busters

We have a tendency to over-do it at the holidays- too much eggnog, sweet treats and shopping. A new survey found 62% of parents admit to overspending at the holidays. That may not be surprising, but the way they are funding their fun should be. Many are dipping into emergency funds or raiding retirement accounts! James Gallagher talked with FOX4 about holiday budget busters. 1. Winging It Click HERE for...

December 10, 2015 Budget, Fox 4 News, Lifestyle
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Year End To Do List

Year End To Do List

The most important December “to do” list may not be related to shopping or parties. Checking your financial list twice could be the best gift you give yourself and your family. Financial professional James Gallagher talked with FOX4 about what we should all put on our year-end “to do” list. 1. Health 2. Wealth 3. Taxes 4. Debt:   Click HERE for a debt worksheet to get organized 5. Dream

December 3, 2015 Budget, Fox 4 News, Lifestyle, Tax Planning
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Talking Finances After Turkey!

Talking Finances After Turkey!

Parents need to discuss family finances with their adult children. Financial professional James Gallagher talked with FOX4 about how to start that conversation and what topics should be covered: 1. Legal 2. Healthcare 3. Income & Expenses 4. Financial Records Click HERE for a checklist of important financial information that you should make sure to discuss with your adult children. Remember, knowledge now will prevent headaches later.

November 19, 2015 Fox 4 News, Lifestyle, Retire, Tax Planning, Video
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2015 Budget Deal & Social Security Changes

2015 Budget Deal & Social Security Changes

The budget deal reached in Washington will keep the country out of default and avoid a partial government shutdown. It will also impact millions of Americans and their finances.

November 12, 2015 Fox 4 News, News, Social Security, Video
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Scary Spending

Scary Spending

Ever wonder where your extra cash is going? Financial professional James Gallagher talked with FOX4 about scary money mistakes many of us are making. Scary Money Mistakes: 1. Credit Card Payments Click HERE for an interest rate calculator 2. Energy Errors 3. Social Security Mistakes* 4. Unused Gift Cards 5. ATM Fees Put your extra cash to good use! Use this worksheet to organize your debt. *Not associated with or endorsed by the...

October 29, 2015 Budget, Fox 4 News, Lifestyle, Social Security, Video
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The Journey

James Gallagher developed and refined a process to bring engineering principals to the retirement space. We use this process to Design, Build and Test integrated financial plans that structure income, optimize taxes, and assure effective wealth transfer. We continually monitor the plan and the investments making real-time adjustments as various life events unfold.
We call this process The Journey.

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Advisory Disclosure

Advisory services offered through J.W. Cole Advisors, Inc.  J.W. Cole Advisors, Inc. and Waterstone Financial are unaffiliated entities.  Advisors must be properly registered in the state where you live in order to conduct securities related business with you. A response to your request for information might be delayed in order to assure our compliance with this regulation. No information provided on this site is intended as a solicitation to buy or sell any security. The investments and services mentioned may not be available in every state. No security will be offered or sold to any person, in any state in which such offer, solicitation, purchase, or sale would be unlawful under securities laws of such jurisdictions.  Check the background of your financial professional on FINRA’s BrokerCheck

Insurance Products are offered through Waterstone Financial LLC.    Any comments regarding safe and secure investments, and guaranteed income streams refer only to fixed insurance products. They do not refer, in any way to securities or investment advisory products. Insurance and Annuity product guarantees are subject to the claims paying ability of the issuing company.

Neither J.W. Cole Financial, Inc. (JWC) nor its representatives provide legal, tax nor accounting advice.

Upcoming Events

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Cyber-Security & the Coming of the Drones

Join us to learn valuable techniques to secure your wealth and avoid identity theft. We will also discuss privacy concerns and the impact of advancing technology with an exciting and informative drone demonstration! Contact us to save your spot. Click above to RSVP.

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  • Home
  • Our Services
    • Retirement Income Planning
    • The Fiscal Cliff of Retirement
    • Social Security Optimization
    • Tax Preparation and Planning
    • Estate and Asset Protection
    • Wealth Management
  • TV Appearances
  • Team
  • Contact Us