Is this the beginning of a Bear Market?

After the first few days of trading to start 2016, I am sure this question is on the minds of many investors.  The start of 2016 has been less than stellar for the stock market and I am sure it has caused some nervousness in the investment community.  There are many...

Volatile Markets create Opportunities

by Jay Chapman | Oct 13, 2016 | The Ship’s Wheel | 0 comments If you read my last article, you would already know that I thought market volatility would increase in October.  Well, it’s happening and now is not the time to panic.  Now is the time to take...

The Truth about your Indexed Annuity Bonus

by Jay Chapman | Jun 20, 2017 | The Ship’s Wheel | 0 comments Do you know the saying “If it sounds too good to be true it usually isn’t”?  Upfront bonuses on annuity purchases have been around for a while now, and they probably are not going away anytime soon. ...

How much should I be drawing off my investments during Retirement?

by Jay Chapman | Sep 12, 2017 | The Ship’s Wheel | 0 comments You have finally made it to retirement.  You saved your money and now it’s time to take withdrawals to provide an income stream to you during your retirement years.  The question is “how much can I...

Equifax Cyber Security Incident

by Jay Chapman | Sep 14, 2017 | The Ship’s Wheel | 0 comments On September 7, Equifax – one of the largest American credit agencies – announced a data breach by cyber criminals that may affect you.  The criminals gained access to millions of Americans’ personal...

Don’t Get Sold a Product

by Jay Chapman | Oct 19, 2017 | The Ship’s Wheel | 0 comments Can you tell the difference between someone who is trying to sell you something and someone who is trying to provide a service? Financial Advisors are there to provide a service. They should not be...