Finances

CONSIDER SOME NEW YEAR’S FINANCIAL RESOLUTIONS

As the New Year begins, you provided you don’t start taking withdrawmay want to look ahead to see als until you are 59.5 and you’ve had which areas of your life you can your account at least five years. You can improve in 2019. Perhaps you’ll decide put most types of investments – stocks, to exercise more, eat healthier foods, bonds, mutual funds, government securireconnect with old friends or volunteer ties and so on – into an IRA, so it can exat a school or charitable organization. All pand your options beyond those offered these goals are certainly worthwhile – but in your 401(k) or similar plan. you also may want to add some New increasing for many employer-sponsored plan. It’s usually a good idea to contribute a minimum, put in enough to earn your in 2018), or $7,000 (up from $6,500) if depending on your income, and any earnYear’s financial resolutions to your list. BUILD AN EMERGENCY FUND Try to build an emergency fund containHere are a few ideas to consider. ing three to six months’ worth of living BOOST CONTRIBUTIONS TO risk, liquid account. This fund can help YOUR EMPLOYER-SPONSORED you avoid dipping in to your long-term RETIREMENT PLAN investments to pay for unexpected costs, Good news! Contribution limits will be such as a major car repair. retirement plans. For 2019, you can con- CONTROL YOUR DEBTS tribute up to $19,000 (up from $18,500 Do what you can to keep your debts unin 2018), or $25,000 (up from $24,500 in der control. Ultimately, the less you have 2018) if you’re 50 or older to your 401(k) to spend on debt payments, the more you or similar employer-sponsored retirement can invest for your future. as much as you can afford to your em- DON’T OVERREACT TO ployer’s plan, as your contributions may FINANCIAL MARKET lower your taxable income, while any VOLATILITY earnings growth is tax-deferred. (Keep in In 2018 – especially the last few months mind that taxes are due upon withdrawal, of the year – we saw considerable market and withdrawals prior to age 59.5 may be volatility, with huge drops and big gains subject to a 10 percent IRS penalty.) At in rapid succession. employer’s matching contribution, if one What will 2019 bring? It’s always difis offered. ficult – and usually futile – trying to TRY TO “MAX OUT” ON the course of an entire year. But, in any YOUR IRA case, try not to overreact to whatever ups Even if you have a 401(k) or similar plan, and downs we may experience. Instead, you can probably still invest in an IRA. continue pursuing an investment strategy For 2019, you can put in up to $6,000 in that’s appropriate for your goals, risk a traditional or Roth IRA (up from $5,500 tolerance and time horizon. you’re 50 or older (income restrictions Following these suggestions can help you apply to Roth IRAs.) Contributions to a become a better investor this new year traditional IRA may be tax-deductible, and beyond. expenses, with the money held in a lowforecast the market’s performance over ings growth is tax-deferred. Roth IRA *This article was written by Edward contributions are not deductible, but earn- Jones for us by your local Edward Jones ings growth can be withdrawn tax-free, Financial Advisor.

Cole St. Clair, Edward Jones Financial Advisor 13610 N Scottsdale Road Suite 8 Scottsdale, AZ 85254 480-948-1028

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Tuesday, February 19, 2019 How can my investment approach reflect my values? Time: Join the conversation 6:00 PM Appetizers and drinks Interest in responsible investing is intensifying, as a growing number of investors are discovering the possibility of earning competitive returns Location: with portfolios that reflect their values. Tommy Bahama Restaurant 15205 N Kierland Blvd Join us for a seminar that will introduce you to the world of Scottsdale, AZ 85254 responsible investing. You’ll discover how companies are incorporating Event details Hosted by Cole St. Clair environmental, social and governance (ESG) best practices into their Date: For further details, please businesses — and the role you can have as an investor to affect Tuesday, February 19, 2019 contact: Join the conversation positive change. Reserve your place now because space is limited. Time: 6:00 PM Marlaina Traut Office of Cole St. Clair Edward Jones Interest in responsible investing is intensifying, as a growing number of investors are discovering the possibility of earning competitive returns Location: Appetizers and drinks 480-948-1028 Marlaina.Traut@EdwardJones.com with portfolios that reflect their values. Tommy Bahama Restaurant 15205 N Kierland Blvd Join us for a seminar that will introduce you to the world of Scottsdale, AZ 85254 responsible investing. You’ll discover how companies are incorporating Hosted by Cole St. Clair environmental, social and governance (ESG) best practices into their For further details, please businesses — and the role you can have as an investor to affect contact: positive change. Marlaina Traut Office of Cole St. Clair Reserve your place now because space is limited. Edward Jones 480-948-1028 Marlaina.Traut@EdwardJones.com

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