William Joseph Capital Management, LLC.

Home
United States
Bristol, CT
William Joseph Capital Management, LLC.

Call Directions Website Contact the business

William Joseph Capital Management, LLC is a fully independent fee-only investment advisory firm.

11/02/2026

🎉 Please join us in welcoming The Evolution Group with William Joseph Capital Management!

We’re so glad to have Larry Zavadoff, Anthony Soldano, and Miriam Hubbard as part of the WJCM family.

Together, they bring years of experience and a shared commitment to serving clients with care, integrity, and personal attention. Their relationship focused approach to helping individuals, families, and public servants makes them a wonderful addition to our firm.

At WJCM, we believe great financial planning starts with understanding people’s stories, values, and goals. The Evolution Group’s focus on collaboration, thoughtful guidance, and ongoing support aligns naturally with the way we serve our clients.

We’re honored to have them as part of the WJCM family and look forward to what we’ll accomplish together.

Learn more about The Evolution Group: https://www.williamjosephcapital.com/the-evolution-group-team

Investment advisory services for The Evolution Group are offered through William Joseph Capital Management, Inc., a registered investment advisor.

11/02/2026

One investment gained 270 percent in the first five months of 2026. Two months later, it gave back 67 percent. 😳

Why do smart people chase numbers like that? Psychologist Daniel Kahneman said it best: "Stories trump statistics." 🧠

A hot streak always comes with a story. The story is what sells. The math is what stings.

Riches to rags is an old pattern, and so is the reverse. When a return looks too good to be true, give the story the same scrutiny you'd give the number.

If a market headline has your attention, run it past us before it runs your portfolio. 💬

This information is for educational purposes only and is not intended as tax, legal, or investment advice. Please consult a qualified professional regarding your individual circumstances.

10/29/2026

Nationwide's 2026 study surfaced three key lessons from parents:

🎯 Not starting early enough.
More than 25 percent of recent retirees wish they had started sooner. Fifteen years of compounding early in a career can make a HUGE difference.

🎯 Not raising the contribution rate as your income grows.
Thirteen percent of recent retirees wish they had contributed more to their savings each year.

🎯 Claiming Social Security at 62.
More than a third of boomers plan to claim benefits the moment they become eligible, even though doing so cuts the monthly benefit by 25 to 30 percent for life.

According to the SSA, waiting past full retirement age adds 8 percent per year, up to age 70.

Across the research, three things seem to matter most:
1️⃣ Starting early
2️⃣ Getting an outside perspective rather than relying on instinct alone
3️⃣ Treating retirement as something that unfolds over decades rather than a single date on the calendar

This information is for educational purposes only and is not intended as tax, legal, or investment advice. Please consult a qualified professional regarding your individual circumstances

10/28/2026

Hello from Schwab IMPACT! 👋 A few members of our leadership team are here this week learning, connecting with peers, and gathering ideas to bring back to the clients and advisors we serve.

Our advisors work with clients on the Schwab platform, so it’s great to be in the room with so many people from the Schwab community. Between the sessions, a balloon drop and a good dinner, it’s been a great reminder of why we love this work.

10/28/2026

The independent RIA model gives you freedom to run your practice your way-without the constraints of a legacy broker dealer. At WJCM, we provide infrastructure, compliance, and marketing support to make that freedom sustainable. Your independence should come with resources, not roadblocks.

https://www.williamjosephcapital.com/careers

10/26/2026

How many years before you are ready to be "retired"?

It's one of the most important numbers yet.

TIAA's 2026 longevity literacy research found that workers who expect a shorter retirement save less consistently than those who expect a longer one.

That makes sense, but it also means the people who assume their retirement will be short are the same ones who may be building portfolios with shorter time horizons.

Once someone has already reached 65, the numbers shift.

According to Social Security Administration data:

📌 A 65-year-old man has roughly a 24 percent chance of living past 90

📌 A 65-year-old woman's chances are higher, closer to 35 percent

📌 For a 65-year-old married couple, there is about a 50 percent chance that at least one spouse lives past 90

The practical implication is not "assume you will live to 100."

It's that a retirement income strategy built around the "average lifespan" often assumes a person will die on schedule. Most people do not.

If retirement is on your horizon, the question to ask is, "What happens to my income strategy if I live to 95?"

This information is for educational purposes only and is not intended as tax, legal, or investment advice. Please consult a qualified professional regarding your individual circumstances

10/23/2026

Trust & Will's 2026 Estate Planning Report found that 56 percent of adults don't have core documents in place, including:

📝 A will: who gets what, and who is in charge of making it happen

🏥 A healthcare directive (or living will): what you want if you cannot speak for yourself

✍️ Two powers of attorney, one for medical decisions and one for financial decisions, each naming a specific person

📄 A letter of instruction: the practical map to where accounts live, who your professionals are, and what your kids or pets need

The friction is that estate work forces a family to sit with mortality, name specific people for specific roles, and make decisions that feel too permanent to rush.

Without something in writing, though, families are left improvising during one of the most difficult moments of their lives.

Most say they fully intend to get to it, but too many put it off until it's too late.

Don't put it off. Talk to a financial professional who can help.

This information is for educational purposes only and is not intended as tax, legal, or investment advice. Please consult a qualified professional regarding your individual circumstances

10/21/2026

What happens to your cash flow when you stop earning a paycheck?

The 2026 EBRI Retirement Confidence Survey caught something interesting about that shift.

📊 Among workers, 33 percent say they turn to a financial professional for guidance.

📊 Among retirees, that number climbs to nearly 40 percent.

National Retirement Security Week (October 19–25 this year) is a reminder to check whether your strategy is evolving with your lifestyle priorities.

If retirement is within a few years, the practical step is not rebuilding the strategy today.

It's identifying the two or three moving pieces that are no longer theoretical, the day you stop working, and consider working with a financial professional who can help guide you.

This information is for educational purposes only and is not intended as tax, legal, or investment advice. Please consult a qualified professional regarding your individual circumstances

10/21/2026

Staying compliant doesn’t have to be stressful. We help you navigate regulatory requirements with clear communication, streamlined processes, and ongoing education. It’s a compliance partnership built for your peace of mind.

https://www.williamjosephcapital.com/careers

10/21/2026

This Friday, our special Advisor Call will feature “AI and Technology Strategy for Advisors,” with Brock Sutton, Vice President and AI & Technology Consultant at Capital Group.

With 14 years of investment industry experience, Brock works with advisory firms on how technology and AI can support their practices.

In this session, we’ll explore how advisory firms are using AI today, practical implementation ideas to consider, and key considerations for building an AI strategy that can evolve alongside a rapidly changing landscape.

We’re looking forward to the conversation!

William Joseph Capital Management, Inc. is a registered investment adviser. This presentation is for informational purposes only, does not constitute investment advice, and is intended for financial professionals only.

Address

210 Redstone Hill Rd, Suite 5
Bristol, CT
06010

Telephone

+18609733214

Website

http://williamjosephcapital.com/

Alerts

Be the first to know and let us send you an email when William Joseph Capital Management, LLC. posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.