Not Too Soon forEnd-of-YearFinancial MovesWe've still got a coupleof months until 2019draws to a close, but it'snot too early to makeend-of-the-yearfinancial moves. In fact,it may be a good idea totake some of these stepssooner rather than later.distributions," or RMDSfrom your traditional IRAand your 401(k) or similarplan. After the first yearin which you take theseRMDS, you must takethem by the end of eachyear thereafter. If youdon't withdraw at least.the minimum amount(calculated based on yourage, account balance andother factors) you face apenalty of 50% of whatsomeHerefewareasuggestions:Boost your 401(k)contributions.many people, you mightnot usually contribute 2413 Ring Road, Suite 105 you should have takenthe maximum amountBecky ToddLikeFinancial Advisorout a potential loss ofthousands of dollars. So,take your RMDS beforeDec. 3. The financialElizabethtown, KY 42701270-737-0249to your 401(k), which, becky.todd@edwardjones.comin 2019 is $19,000, or$25,000 if you're 50 or older. Ask your services provider that administers youremployer if you can increase your IRA or 401(k) can help you determine401(k) contributions in 2019, and if you the amount you must withdraw.receive a bonus before the year ends,you may be able to use that toward your opportunities. It happens to almost401(k), tooAdd to your IRA. You have until haven't taken the actions we hadApril 15, 2020, to contribute to your planned. So, start thinking now aboutIRA for the 2019 tax year, but the more what you want to do in 2020 from ayou can put in now and over the next financial standpoint. Can you affordfew months, the less you'll have to to ratchet up your investments income up with in a hurry at the filing your retirement plans? If you havedeadline. For 2019, you can put up to children or grandchildren, have$6,000 in your IRA, or $7,000 if you're you started saving for college? Have50 or olderReview your portfolio. It's always financial independence if you evera good idea to review your investment need some type of long-term care,portfolio at least once a year, and now such as an extended nursing homeis as good a time as any. But don't stay? If these or other items are onmake any judgments based solely on your financial to-do list, start planningyour results over the past 10 months. now to get them done next year.Instead, look carefully at how yourportfolio is constructed. Is it still behind without having taken the stepsproperly diversified, or has it become to keep moving toward your financialoverweighted in some areas? Does it goals.stil fit your risk tolerance, or do youfind yourself worrying excessively aboutshort-term price swings? These are the Jones for use by your local Eduwardtypes of factors that might lead you to Jones Financial Advisor.make some changes, possibly with thehelp of a financial professionalDon't forget about your RMDs.Once you turn 70%, you generallyneed to start taking withdrawals thetechnical term is "required minimumThink about next year'sall of us: A year has passed, and weyou considered ways to protect yourTime goes quickly so don't get leftThis article was written by EduardEdward JonesMAKING SENSE OF INVESTINGwww.edwardjones.comMember SIPCThis is a paid advertisement Not Too Soon for End-of-Year Financial Moves We've still got a couple of months until 2019 draws to a close, but it's not too early to make end-of-the-year financial moves. In fact, it may be a good idea to take some of these steps sooner rather than later. distributions," or RMDS from your traditional IRA and your 401(k) or similar plan. After the first year in which you take these RMDS, you must take them by the end of each year thereafter. If you don't withdraw at least. the minimum amount (calculated based on your age, account balance and other factors) you face a penalty of 50% of what some Here few are a suggestions: Boost your 401(k) contributions. many people, you might not usually contribute 2413 Ring Road, Suite 105 you should have taken the maximum amount Becky Todd Like Financial Advisor out a potential loss of thousands of dollars. So, take your RMDS before Dec. 3. The financial Elizabethtown, KY 42701 270-737-0249 to your 401(k), which, becky.todd@edwardjones.com in 2019 is $19,000, or $25,000 if you're 50 or older. Ask your services provider that administers your employer if you can increase your IRA or 401(k) can help you determine 401(k) contributions in 2019, and if you the amount you must withdraw. receive a bonus before the year ends, you may be able to use that toward your opportunities. It happens to almost 401(k), too Add to your IRA. You have until haven't taken the actions we had April 15, 2020, to contribute to your planned. So, start thinking now about IRA for the 2019 tax year, but the more what you want to do in 2020 from a you can put in now and over the next financial standpoint. Can you afford few months, the less you'll have to to ratchet up your investments in come up with in a hurry at the filing your retirement plans? If you have deadline. For 2019, you can put up to children or grandchildren, have $6,000 in your IRA, or $7,000 if you're you started saving for college? Have 50 or older Review your portfolio. It's always financial independence if you ever a good idea to review your investment need some type of long-term care, portfolio at least once a year, and now such as an extended nursing home is as good a time as any. But don't stay? If these or other items are on make any judgments based solely on your financial to-do list, start planning your results over the past 10 months. now to get them done next year. Instead, look carefully at how your portfolio is constructed. Is it still behind without having taken the steps properly diversified, or has it become to keep moving toward your financial overweighted in some areas? Does it goals. stil fit your risk tolerance, or do you find yourself worrying excessively about short-term price swings? These are the Jones for use by your local Eduward types of factors that might lead you to Jones Financial Advisor. make some changes, possibly with the help of a financial professional Don't forget about your RMDs. Once you turn 70%, you generally need to start taking withdrawals the technical term is "required minimum Think about next year's all of us: A year has passed, and we you considered ways to protect your Time goes quickly so don't get left This article was written by Eduard Edward Jones MAKING SENSE OF INVESTING www.edwardjones.com Member SIPC This is a paid advertisement

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Not Too Soon for End-of-Year Financial Moves We've still got a couple of months until 2019 draws to a close, but it's not too early to make end-of-the-year financial moves. In fact, it may be a good idea to take some of these steps sooner rather than later. distributions," or RMDS from your traditional IRA and your 401(k) or similar plan. After the first year in which you take these RMDS, you must take them by the end of each year thereafter. If you don't withdraw at least. the minimum amount (calculated based on your age, account balance and other factors) you face a penalty of 50% of what some Here few are a suggestions: Boost your 401(k) contributions. many people, you might not usually contribute 2413 Ring Road, Suite 105 you should have taken the maximum amount Becky Todd Like Financial Advisor out a potential loss of thousands of dollars. So, take your RMDS before Dec. 3. The financial Elizabethtown, KY 42701 270-737-0249 to your 401(k), which, becky.todd@edwardjones.com in 2019 is $19,000, or $25,000 if you're 50 or older. Ask your services provider that administers your employer if you can increase your IRA or 401(k) can help you determine 401(k) contributions in 2019, and if you the amount you must withdraw. receive a bonus before the year ends, you may be able to use that toward your opportunities. It happens to almost 401(k), too Add to your IRA. You have until haven't taken the actions we had April 15, 2020, to contribute to your planned. So, start thinking now about IRA for the 2019 tax year, but the more what you want to do in 2020 from a you can put in now and over the next financial standpoint. Can you afford few months, the less you'll have to to ratchet up your investments in come up with in a hurry at the filing your retirement plans? If you have deadline. For 2019, you can put up to children or grandchildren, have $6,000 in your IRA, or $7,000 if you're you started saving for college? Have 50 or older Review your portfolio. It's always financial independence if you ever a good idea to review your investment need some type of long-term care, portfolio at least once a year, and now such as an extended nursing home is as good a time as any. But don't stay? If these or other items are on make any judgments based solely on your financial to-do list, start planning your results over the past 10 months. now to get them done next year. Instead, look carefully at how your portfolio is constructed. Is it still behind without having taken the steps properly diversified, or has it become to keep moving toward your financial overweighted in some areas? Does it goals. stil fit your risk tolerance, or do you find yourself worrying excessively about short-term price swings? These are the Jones for use by your local Eduward types of factors that might lead you to Jones Financial Advisor. make some changes, possibly with the help of a financial professional Don't forget about your RMDs. Once you turn 70%, you generally need to start taking withdrawals the technical term is "required minimum Think about next year's all of us: A year has passed, and we you considered ways to protect your Time goes quickly so don't get left This article was written by Eduard Edward Jones MAKING SENSE OF INVESTING www.edwardjones.com Member SIPC This is a paid advertisement Not Too Soon for End-of-Year Financial Moves We've still got a couple of months until 2019 draws to a close, but it's not too early to make end-of-the-year financial moves. In fact, it may be a good idea to take some of these steps sooner rather than later. distributions," or RMDS from your traditional IRA and your 401(k) or similar plan. After the first year in which you take these RMDS, you must take them by the end of each year thereafter. If you don't withdraw at least. the minimum amount (calculated based on your age, account balance and other factors) you face a penalty of 50% of what some Here few are a suggestions: Boost your 401(k) contributions. many people, you might not usually contribute 2413 Ring Road, Suite 105 you should have taken the maximum amount Becky Todd Like Financial Advisor out a potential loss of thousands of dollars. So, take your RMDS before Dec. 3. The financial Elizabethtown, KY 42701 270-737-0249 to your 401(k), which, becky.todd@edwardjones.com in 2019 is $19,000, or $25,000 if you're 50 or older. Ask your services provider that administers your employer if you can increase your IRA or 401(k) can help you determine 401(k) contributions in 2019, and if you the amount you must withdraw. receive a bonus before the year ends, you may be able to use that toward your opportunities. It happens to almost 401(k), too Add to your IRA. You have until haven't taken the actions we had April 15, 2020, to contribute to your planned. So, start thinking now about IRA for the 2019 tax year, but the more what you want to do in 2020 from a you can put in now and over the next financial standpoint. Can you afford few months, the less you'll have to to ratchet up your investments in come up with in a hurry at the filing your retirement plans? If you have deadline. For 2019, you can put up to children or grandchildren, have $6,000 in your IRA, or $7,000 if you're you started saving for college? Have 50 or older Review your portfolio. It's always financial independence if you ever a good idea to review your investment need some type of long-term care, portfolio at least once a year, and now such as an extended nursing home is as good a time as any. But don't stay? If these or other items are on make any judgments based solely on your financial to-do list, start planning your results over the past 10 months. now to get them done next year. Instead, look carefully at how your portfolio is constructed. Is it still behind without having taken the steps properly diversified, or has it become to keep moving toward your financial overweighted in some areas? Does it goals. stil fit your risk tolerance, or do you find yourself worrying excessively about short-term price swings? These are the Jones for use by your local Eduward types of factors that might lead you to Jones Financial Advisor. make some changes, possibly with the help of a financial professional Don't forget about your RMDs. Once you turn 70%, you generally need to start taking withdrawals the technical term is "required minimum Think about next year's all of us: A year has passed, and we you considered ways to protect your Time goes quickly so don't get left This article was written by Eduard Edward Jones MAKING SENSE OF INVESTING www.edwardjones.com Member SIPC This is a paid advertisement

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