Edward Jones-Financial Advisor; Don Thomas

Do you have a strategy in place to protect your wealth? If not, send me a message and we can start exploring a strategy designed just for you.

Changing Jobs

Changing careers can be as daunting as it is exciting. This checklist can help you prepare for the chapter ahead.

Changing Jobs Recently change jobs? Use this checklist to help think through some financial considerations.

What’s the difference between a Traditional IRA and a Roth IRA?

Those who are early in their career may put off thinking about retirement. But learning what sets Roth and traditional IRAs apart now can help ensure you make the right choice between the two as you save for later.

What’s the difference between a Traditional IRA and a Roth IRA? You can get key benefits from either a Roth or traditional IRA – but there are important differences between the two.

Caring for a family member

Caring for a loved one, whether a child or an aging parent, can be difficult. These considerations can help, and so can I.

Caring for a family member What you should consider

Home

Did you know a spouse may be entitled to receive up to 50% of the higher earner's benefit? For many, the rules regarding Social Security benefits are unclear. Check out this easy-to-understand piece that breaks down 4 common scenarios that could result in more generous Social Security benefits.

Home 70% of our funds outperformed their respective Morningstar category averages over the trailing 10-year period ended 11/30/22.

Get to know Online Access and mobile app (US|EN)

Still on the fence about Online Access and our app? Get a quick and convenient sneak peek of what it's like by visiting our Get to Know Online Access and our app site. Then sign up so you can view a snapshot of all your accounts, track progress toward your goals, communicate with us—and more!

Get to know Online Access and mobile app (US|EN) Learn all about the features and functions of Edward Jones Online Access and our mobile app. Sign up today!www.edwardjones.com/us-en

Understanding tax-loss and tax-gains harvesting

If you’re going to sell some investments, you should become familiar with tax-loss and tax-gains harvesting – because they can affect your capital gains and your taxes.

Understanding tax-loss and tax-gains harvesting Tax-loss and tax-gains harvesting strategies may reduce capital gains taxes while maintaining appropriate market exposure.

You worked hard to save for retirement. Now it’s time to ensure those savings will last. Together, we can develop an income strategy that works for your lifestyle.

Have you ever heard of catch-up contributions? Your 50s are the ideal time to take advantage of them. Send me a message if you’re interested in learning more about this strategy.

Wishing you and your loved ones a merry Christmas.

Thinking about your estate strategy?

Now that you’re in your 50s, it’s a good time to revisit your estate strategy to help protect the things you love.

Thinking about your estate strategy? Visit our estate strategy hub

Annual IRS Limits for Retirement Plans, IRAs and Other Employee Benefits

The employee contribution limit for 401(k) plans is increasing a record amount in 2023, but that's not the only change that may impact your savings.

Consider this your cheat sheet for retirement plans, IRAs, and other employee benefits in 2023.

Annual IRS Limits for Retirement Plans, IRAs and Other Employee Benefits 2023 IRS Limits for Retirement Plans, IRAs, and Other Employee Benefits

Individual Retirement Accounts (IRAs)

Don't know the difference between a traditional and a Roth IRA, or which one makes the most sense for you? Visit our Financial Fitness site to learn which is which, and whether either makes sense for your financial strategy.

Individual Retirement Accounts (IRAs) Learn about the features, benefits, and different types of IRAs as tools for retirement savings. From Edward Jones and EVERFI

Creating a Budget

Do you overspend every holiday season? Get ahead of the game this year by creating a budget that takes all your holiday plans into account. Get started here

Creating a Budget Learn strategies, tips, and tools to stick to your budget and achieve your financial goals. From Edward Jones and EVERFI

5 things to know about giving to loved ones or charity

In this season of giving, taking actionable steps today can help you reach tomorrow's gifting goals. Learn how with these tips.

5 things to know about giving to loved ones or charity In this season of giving, learn five steps you can take to share financial gifts with loved ones or charity.

Thinking about your estate strategy?

In your 70s, mapping out your financial future becomes increasingly important. Now may be the right time to review your estate strategy.

Thinking about your estate strategy? Visit our estate strategy hub

Creating a Budget

2023 is coming sooner than you think. Do you feel ready to go into January with a solid budget plan? Explore these tips to help you get on track.

Creating a Budget Learn strategies, tips, and tools to stick to your budget and achieve your financial goals. From Edward Jones and EVERFI

What happens to your 401(k) when you switch jobs?

If you’re getting ready to change jobs, make sure you know your options for your 401(k). Here are 4 things you can do.

What happens to your 401(k) when you switch jobs? When you change jobs, it's important not to forget about your 401(k) from your last employer.

Take advantage of large Social Security increase

If you receive Social Security, you’ll soon get a sizable increase in your monthly checks. And you can find ways to incorporate the extra money into your financial strategy.

Take advantage of large Social Security increase Increased monthly income offers new opportunities

When it’s time for Medicare, watch out for IRMAA

When you’re retired, having many sources of income is great – but it could lead to a Medicare surcharge. However, you could possibly reduce it by making the right moves.

When it’s time for Medicare, watch out for IRMAA High-income retirees may face Medicare surcharge

Year-end moves for your financial strategy

2022 is almost ready to come to a close! Let's discuss these strategies and others to help you achieve your long-term goals.

Year-end moves for your financial strategy This year-end checklist highlights actions you can take to help keep your financial strategy on track.

Frequently asked financial questions

By gaining a thorough understanding of investing, you can help yourself achieve your important goals.

Frequently asked financial questions Is yours on the list?

• This year the Fed raised rates at a pace not seen since the '70s and '80s, aiming to reduce demand and slow the pace of inflation. As a result, bonds experienced the largest sell-off since records started in 1926, failing to provide their typical diversification benefits.
• As we approach the end of the Fed's tightening cycle and a potential peak in yields, we believe a lot of the bond-price adjustment is now behind us. History also tells us these peaks generally occur about two months ahead of the last Fed rate hike which we think will occur in the first half of next year.
• We see attractive opportunities forming in fixed-income asset classes across bond maturities, as higher yields enhance return potential. With interest rates meaningfully higher now than at the start of 2022, we believe bonds are better positioned to provide diversification benefits.

Gain a Big-Picture View

Trying to organize all your important financial documents before the end of the calendar year? With Online Access, you'll get electronic versions of your statements, trade confirmations, shareholder materials, tax documents and other forms.

Gain a Big-Picture View Connect and view accounts you have elsewhere in Online Access.

When it comes to the role of family in charitable giving, less than a quarter of givers’ families are directly involved. But among those who work with a financial advisor on charitable giving, the majority hope to bring their families in on such conversations — even if just to ensure their families are aware of their intentions.

5 moves to help you cope with market volatility

When you’re retired, market volatility can be concerning. But you’ve got some effective ways to respond.

5 moves to help you cope with market volatility When you’re retired, you may feel especially vulnerable to market volatility. But you can better cope with it by making just a few moves.

Among the many tools available to those seeking to maximize the impact of their charitable giving is a donor-advised fund (DAF). A financial advisor can help navigate DAFs and other available options to help maximize the impact of charitable giving.

Will vs. trust: What's the difference?

A will, a living trust — what’s the difference? Knowing what’s right for you is essential to putting together a comprehensive estate plan. Take a look at the benefits of each document.

Will vs. trust: What's the difference? It's crucial to create an estate plan that leaves the legacy you desire. Understanding the difference between wills and living trusts can help.

Current rates

Take a look at the latest rates, and let me know if you have any questions!

Current rates Our latest rates for certificates of deposit (CDs), bonds and other investments and loans.

Most Americans who give are motivated by altruistic reasons, including a desire to help people in need, make an impact in their communities or help society at large. That said, roughly two-thirds of givers don’t follow a set schedule for giving. Understanding what options and resources are available can make charitable giving more purposeful, impactful and rewarding. Working with a financial advisor to put charitable giving in the context of an overall financial strategy is a great way to start.

Quarterly market outlook (US|EN)

Interested how markets have typically performed around the midterm elections? Take a look at the election section of our quarterly market outlook.

Quarterly market outlook (US|EN) Read our views on key market and economic developments to help you make decisions affecting your financial strategy.www.edwardjones.com/us-en

Consider charitable gifts of money and time

It’s the season for charitable gifts. Look for ways to expand your charitable giving – both financially and personally.

Consider charitable gifts of money and time Charitable giving has benefits for the giver and receiver

Take a look at my recent news about my AAMS™ designation.

Charitable giving and your financial strategy (US|EN)

Whether donating directly to a charity or foundation, contributing to an online giving campaign or simply dropping money in a collection box, Americans plan to keep giving to a charitable organizations. Giving back can take many forms and look different depending on your financial situation, but working with a financial advisor can help maximize the impact of giving.

Charitable giving and your financial strategy (US|EN) Whether you've been philanthropic for decades or you're ready to begin donating to your favorite charity now, there's likely a giving solution that fits your goals.www.edwardjones.com/us-en

Equity markets are off their mid-October lows on hopes for a gradual Fed pivot, showcasing the strong link between interest rates and valuations. The coast is not clear yet, as a pattern of lower inflation readings still needs to be established for equities to mount a sustainable rebound. But stocks could navigate a U-shaped rebound as investors get more confident that inflation will soften and central banks become incrementally less hawkish.

Take a holistic approach to long-term care

The need for long-term care is not inevitable. Nonetheless, it pays to be prepared – and that means taking a “holistic” view of care and caregiving.

Take a holistic approach to long-term care When thinking about long-term care, you’ll want to take a holistic approach in which you consider types of care, expenses and family involvement.

Current rates

Here are the latest numbers for you to review.

Current rates Our latest rates for certificates of deposit (CDs), bonds and other investments and loans.

401(k) rollover options

You typically have four options for your old 401(k). Take a look, and then let me know what other questions you have.

401(k) rollover options Rolling over a 401(k) into a new or existing traditional or Roth IRA is just one option to consider. Options include roll it, leave it, move it, or take it.

Are you emotionally ready to retire?

It’s easy to see retirement as a purely financial decision, but stepping out of the workforce takes emotional readiness, too. Try asking yourself these 5 questions as you start to explore your retirement vision.

Are you emotionally ready to retire? Read more here