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  • Home
  • Our Services
    • Retirement Income Planning
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Archive


Category Archive for "Lifestyle"

FOX4TV – Grandparents spending on on the grand-kids

Apr 25, 2018

Grandparents, you know you want to spoil the grandkids, but be mindful of your spending. James discusses some ways to make the most impact and maybe help teach kids about money management while they're young.

FOX4TV – Retirement Saving Guidelines

Feb 7, 2018

How much should I be saving for retirement?  How much money do I need to retire?  Big questions!  In James' recent appearance on FOX4TV, he tackles some of those questions with some simple rules-of-thumb to help you get started on the path to a successful retirement (and how to know when you have enough)!  See the video for more details.

FOX4TV – Tax Reform, 401k and Retirement Savings Rules of Thumb

Dec 5, 2017

How will tax reform affect you and your retirement?!  Tax reform is on the agenda in 2017 and be aware of its impact to your retirement savings.  At this time it appears that the 401k deduction of up to $18,500 is safe. Make sure you maximize your 401k for tax savings and maximize your employer match too. How much will I need to save for retirement to keep the life-style...

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

Oct 24, 2017

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...

Coaching

Oct 3, 2016

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...

New Year’s Resolutions

New Year’s Resolutions

Dec 17, 2015

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...

Holiday Budget Busters

Holiday Budget Busters

Dec 10, 2015

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...

Year End To Do List

Year End To Do List

Dec 3, 2015

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

Talking Finances After Turkey!

Talking Finances After Turkey!

Nov 19, 2015

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.

Scary Spending

Scary Spending

Oct 29, 2015

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...

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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.
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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.

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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