James Bruce - Watermark Wealth Strategies

James Bruce - Watermark Wealth Strategies James and his team are dedicated to helping their clients grow and preserve their wealth. Bruce, Thomas Lundgaard, Carmen G.

Watermark Wealth Strategies, LLC was established by Tyler Brilinski, James L. Cercone, and Kyle Richardson to address the diverse and evolving needs of our clients. Recognizing the necessity for personalized service and attention, our founders envisioned a firm that aligns with experienced, stable, and committed partners to deliver on this promise. Our affiliation with LPL Financial, an independen

t broker/dealer, empowers us to provide unbiased advice. This partnership ensures that we stay true to our original vision of offering objective guidance. We are committed to helping our clients grow and preserve their wealth, minimize their tax liabilities, and create lasting legacies through exceptional planning. By thoroughly understanding each family's unique financial situation, we develop strategies that are both fundamentally sound and adaptable to changing times. At Watermark Wealth Strategies, we prioritize ongoing client service and education. Our team consists of knowledgeable and dedicated professionals who are always ready to go the extra mile to help our clients achieve their financial goals. We believe that by investing in our clients' success, we foster lasting relationships built on trust and excellence.

For many Gen Xers, retirement is starting to feel less like a distant milestone and more like a looming financial realit...
09/02/2026

For many Gen Xers, retirement is starting to feel less like a distant milestone and more like a looming financial reality.

The oldest members of the generation will turn 62 next year, the earliest age to claim Social Security. At the same time, many are approaching retirement with limited savings and fewer pensions than previous generations had.

The median Gen X retirement savings balance is about $107,000, while members of the generation estimate they’ll need roughly $700,000 for retirement. Social Security may also become an increasingly important source of income, with 41% of workers over 55 saying they expect it to be their primary source in retirement.

That gap is prompting some Gen Xers to rethink when they’ll stop working, how much they may need to save, and what retirement could realistically look like.

If retirement is getting closer, this may be a good time to review your savings, expected Social Security benefits, and other sources of retirement income.

Millions of Generation X Americans expect to depend on Social Security as their main — or only — source of retirement income.

There are billions in unclaimed dollars in the US. Is some of that yours?
09/01/2026

There are billions in unclaimed dollars in the US. Is some of that yours?

Here’s a quick guide to checking to see if you have unclaimed money.

Childhood attitudes and habits can determine your child's health in his or her adult years.
08/29/2026

Childhood attitudes and habits can determine your child's health in his or her adult years.

Healthy habits are one of the greatest gifts to give your child.

Agent Jane Bond wants you to know about how bonds can be laddered to generate income.
08/27/2026

Agent Jane Bond wants you to know about how bonds can be laddered to generate income.

Agent Jane Bond is on the case, uncovering the mystery of bond laddering.

A gas station convenience store may not sound like an obvious place for a weekend destination.But in Lakeville, Minnesot...
08/26/2026

A gas station convenience store may not sound like an obvious place for a weekend destination.

But in Lakeville, Minnesota, The Farmer’s Cellar has turned an empty storefront next to a gas station into an upscale restaurant and hidden speakeasy.

The business, which includes the speakeasy, convenience store, and gas station, brought in almost $5 million in revenue during its first year. The speakeasy alone generated just over $1.7 million from its opening in May 2025 through April.

The concept stands out at a time when restaurant costs remain elevated, and many consumers are treating dining out as more of a special occasion.

For small businesses, the story highlights the value of location, creativity, and customer experience, even in unexpected places.

Tony Donatell turned an empty storefront next to a gas station into a sophisticated speakeasy, The Farmer's Cellar. Inside, it's still the "roaring twenties."

A pay raise does not always mean a paycheck goes further.New research found that from February 2021 to June 2022, real w...
08/26/2026

A pay raise does not always mean a paycheck goes further.

New research found that from February 2021 to June 2022, real wages fell by more than 4% as inflation outpaced many workers’ pay increases. The impact lasted for many households, with 37% of workers in the study earning less in inflation-adjusted terms in December 2024 than they had four years earlier.

Now, a similar squeeze is happening again. In July, the Consumer Price Index rose at a 3.4% annual pace, while hourly wages rose 3.2% over the same period.

When prices rise faster than pay, purchasing power declines. That can make everyday expenses feel heavier, even when income is technically increasing.

When inflation rises faster than workers' wages, it feels like they're getting a pay cut. Companies, meanwhile, benefit.

How much life insurance is enough? Use this calculator to get a better sense of the coverage that may make sense for you...
08/25/2026

How much life insurance is enough? Use this calculator to get a better sense of the coverage that may make sense for your family and financial situation.

Estimate how much life insurance coverage may be appropriate for your situation.

The Treasury Department is increasing the size of its government debt buybacks amid ongoing pressures in the longer-term...
08/24/2026

The Treasury Department is increasing the size of its government debt buybacks amid ongoing pressures in the longer-term bond market.

The department said it will at least double the maximum size of certain buyback operations, from $2 billion to at least $4 billion, targeting the 10- to 20-year and 20- to 30-year portions of the Treasury market.

Following the announcement, the 10-year Treasury yield fell 6 basis points to 4.647%, while the 30-year bond yield fell 9 basis points to 5.196%. Bond prices and yields move in opposite directions.

The move is designed to support liquidity in longer-dated Treasury securities, though economists noted that it does not change the broader fiscal backdrop or the government’s ongoing financing needs.

The announcement targets the sensitive longer-duration part of the Treasury market.

A personalized mRNA-based cancer vaccine is showing promise in a late-stage melanoma trial.Merck and Moderna said the in...
08/24/2026

A personalized mRNA-based cancer vaccine is showing promise in a late-stage melanoma trial.

Merck and Moderna said the individualized vaccine, paired with the existing immunotherapy Keytruda, significantly reduced the risk of cancer returning or spreading in high-risk melanoma patients whose cancer had been surgically removed.

Earlier Phase 2b data showed a 49% reduction in melanoma recurrence after surgery and a 59% reduction in the cancer spreading to distant organs.

The vaccine is not yet approved by the Food and Drug Administration. Regulators still need to review the full data once it has been collected and submitted.

For now, the results mark another step in the study of mRNA technology for cancer treatment.

Merck and Moderna announced Wednesday that a personalized mRNA-based cancer vaccine succeeded in a large, late-stage trial among patients with melanoma.

15 years or 30? The mortgage term you choose matters more than you might think. Compare your options and see what works ...
08/22/2026

15 years or 30? The mortgage term you choose matters more than you might think. Compare your options and see what works best for your situation.

Compare different mortgage term lengths side by side to find the option that fits your budget.

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