Good News August 2017 Broward

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24 August 2017 FINANCE Good News - Broward Edition
Colossians 3:17
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Are you a “do-it-yourselfer”?
If you can take care of home re-
pairs, lawn work and other types
of maintenance by yourself, you’ll
save money and probably gain
satisfaction. But you will almost
certainly need some help in other
areas of your life – one of which
may be investing. In fact, you
could benefit from the services of
a professional financial advisor at
several points in your life:
When you’re starting out in
your career
When you land your first
“career- type” job, you will have
some financial decisions to
make: Should I participate in my
employer’s 401(k) or other retire-
ment plan? (Hint: Yes!) If so, how
much should I contribute? How
can I juggle saving for retirement
with paying off student loans?
These are the types of questions
you can answer with the help of a
financial advisor.
When you’re saving for
important goals
Whether you’re saving for
a down payment on your first
home, or for your children’s col-
lege education, or for your own
comfortable retirement, you’ll
face many choices. A financial
advisor – someone with expe-
rience in helping people work
toward these goals – can assist
you in making the choices most
appropriate for your individual
situation.
When you’re experiencing a
personal “milestone”
Like everyone, you’ll go
through many major life events.
Some will be joyful, such as mar-
riage and the arrival of children,
while others may be unpleasant
or sad, such as divorce or the
death of a loved one. But virtu-
ally all these events carry with
them some type of financial
component – establishing new
investment accounts, purchasing
sufficient insurance, naming and
changing of beneficiaries, and so
on. A financial advisor who truly
understands you and your needs
can help you make appropriate
moves for all your milestones.
When you’re close to retirement
As you near retirement,
you’ll have several issues to con-
sider: About how much income
will you need each year? When
should you start taking Social Se-
curity? Howmuch can you afford
to withdraw annually from your
IRA and 401(k)? A financial ad-
visor has the tools, training and
experience to explore alterna-
tives and suggest suitable moves
for you.
When you’re retired
Even after you retire, you’ve
got plenty to think about, in
terms of financial moves. For
one thing, you need to ensure
that your investment portfolio
provides you with both sufficient
income for your desired lifestyle
and adequate growth potential
to help you stay ahead of infla-
tion. What’s the correct balance
of investments for your needs?
Are there investments that can
provide you with rising income
without exposing you to undue
risk? Once you’re retired, you just
won’t get a lot of “do-overs,” so
getting the right help is import-
ant.
If you’re a do-it-yourselfer,
you may not get it right each and
every time. But you won’t pay
much of a price (except, perhaps
in embarrassment) if that chair
you built collapses under a stack
of newspapers. However, you
also know when it’s time to call
in a professional– a n d
that’s whom you need when it
comes to building your financial
future. So, get the assistance you
need, when you need it, from a
financial advisor.
This article was written by Ed-
ward Jones for use by your local
Edward Jones Financial Advisor.
Sponsored by William J. Holland at
954-768-0703.
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