Financial Focus What are your financial resolutions for 2022? demic caused many us to reevaluate our ability were still feeling the effects of the COVID-19 pan- to eventually enjoy the retirement lifestyles we've to accommodate the rise in inflation, would you then have to modify it again when prices fall? And demic when supply chains shut down and inflation envisioned. In fact, 33% of those planning to retire inflation is just one event. What about changes in interest rates? How about new legislation com- ing out of Washington? And don't forget extreme weather events, such as wildfires and floods. Any or all of these occurrences can affect the financial contributions to your IRA and your 401(k) or oth- markets in the short term, but it just doesn't make sense for you to keep changing the way you invest in response to the news of the day. Instead, stick with a strategy thats appropriate for your goals, risk tolerance and time horizon. You may need to adjust this strategy over time, in response to ones whenever possible. You can motivate yourself changes in your own life, but don't let your deci- As you know, 2021 was full of challenges. We heated up. So, if you're like many people, you soon said they started to contribute even more might not be sorry to see the year come to a close. to their retirement savings during the pandemic, But now it's time to look ahead to a brighter 2022. according to a study from Age Wave and Edward Jones. This year, if you can afford it, increase your And on a personal level, you may want to set some New Year's resolutions. You might resolve to improve your health and diet, and possibly learn some new skills, but why not make some financial resolutions, too? Here are a few ideas to consider: Prepare for the unexpected. If you haven't already created an emergency fund, now may be a good time to start. Ideally, you'd like to have three to six months' worth of living expenses in this er employer-sponsored retirement plan. Reduce your debt load. The less debt you carry, the more money you'll have available to support your lifestyle today and save and invest for tomorrow. So, this year, resolve to cut down on your existing debts and avoid taking on new sions be dictated by external events. by measuring your progress - at the beginning of fund, with the money kept in a low-risk, liquid ac- 2022, record your total debts and then compare These aren't the only financial resolutions you count. (If you're retired, you may want your emer- this figure to your debt load at the start of 2023. If can make but following them may help you develop positive habits that can help you face the gency fund to contain up to a year's worth of living the numbers have dropped, you'll know you were future with confidence expenses.) Once you've got this fund established, you may be able to avoid dipping into long-term investments to pay for short-term needs, such as costly home or auto repairs or large medical bills. Boost your retirement savings. The pan- making the right moves. Don't overreact to the headlines. A lot can happen during a year. Consider inflation it shot up in 2021, but it may well subside in 2022. If you changed your investment strategy last This article was written by Edward Jones for use by your local Edward Jones Financial Advisor. Edward Jones, Member SIPC year Edward Jones Edward Jones Michael C. Caley AAMS Edward Jones Pam Covington CFP AAMS Edward Jones Tod Heisler AAMS Edward Jones Jason Korner CFP Edward Jones Quinn Nofziger Edward Jones Gwen Ruppert AAMS Edward Jones Karen Rupert AAMS Sean P. Asiala AAMS Financial Advisor Financial Advisor Financial Advisor Financial Advisor 414 S. Scott Rd. Fort Wieyne, IN 46814 Financial Advisor Financial Advisor 7030 Ponte nvemess Way Suite 125 Fort Wayne, N 4604 432-3613 Making Sense of Investing Financial Advisor Financial Advisor 7127 Homestead Rd. Sute C Fort Wayne, IN 40814 karenruperttedvardones.com 263-4760 Making Sense of investing 901 Chestrut Hils Parkway Fort Wayne, IN 4614 6525 Constitution Dr. Fon Wayne, IN 46804 14413 Heos Rd Ste E Fort Wayne, IN 46814 7525 West Jefferson Bvd. 7329 West Jetferson Bivd. Fort Wayne, IN 40804 Fon Wayne, IN 6804 625-5700 Making Sense of lnvesting 432-0304 Making Sense ef Investing 478-8038 Making Sense of Investing 444-3134 399-5853 Making Sense of Investing 625-3524 Making Sense of Investing Making Sense of Investing Financial Focus What are your financial resolutions for 2022? demic caused many us to reevaluate our ability were still feeling the effects of the COVID-19 pan- to eventually enjoy the retirement lifestyles we've to accommodate the rise in inflation, would you then have to modify it again when prices fall? And demic when supply chains shut down and inflation envisioned. In fact, 33% of those planning to retire inflation is just one event. What about changes in interest rates? How about new legislation com- ing out of Washington? And don't forget extreme weather events, such as wildfires and floods. Any or all of these occurrences can affect the financial contributions to your IRA and your 401(k) or oth- markets in the short term, but it just doesn't make sense for you to keep changing the way you invest in response to the news of the day. Instead, stick with a strategy thats appropriate for your goals, risk tolerance and time horizon. You may need to adjust this strategy over time, in response to ones whenever possible. You can motivate yourself changes in your own life, but don't let your deci- As you know, 2021 was full of challenges. We heated up. So, if you're like many people, you soon said they started to contribute even more might not be sorry to see the year come to a close. to their retirement savings during the pandemic, But now it's time to look ahead to a brighter 2022. according to a study from Age Wave and Edward Jones. This year, if you can afford it, increase your And on a personal level, you may want to set some New Year's resolutions. You might resolve to improve your health and diet, and possibly learn some new skills, but why not make some financial resolutions, too? Here are a few ideas to consider: Prepare for the unexpected. If you haven't already created an emergency fund, now may be a good time to start. Ideally, you'd like to have three to six months' worth of living expenses in this er employer-sponsored retirement plan. Reduce your debt load. The less debt you carry, the more money you'll have available to support your lifestyle today and save and invest for tomorrow. So, this year, resolve to cut down on your existing debts and avoid taking on new sions be dictated by external events. by measuring your progress - at the beginning of fund, with the money kept in a low-risk, liquid ac- 2022, record your total debts and then compare These aren't the only financial resolutions you count. (If you're retired, you may want your emer- this figure to your debt load at the start of 2023. If can make but following them may help you develop positive habits that can help you face the gency fund to contain up to a year's worth of living the numbers have dropped, you'll know you were future with confidence expenses.) Once you've got this fund established, you may be able to avoid dipping into long-term investments to pay for short-term needs, such as costly home or auto repairs or large medical bills. Boost your retirement savings. The pan- making the right moves. Don't overreact to the headlines. A lot can happen during a year. Consider inflation it shot up in 2021, but it may well subside in 2022. If you changed your investment strategy last This article was written by Edward Jones for use by your local Edward Jones Financial Advisor. Edward Jones, Member SIPC year Edward Jones Edward Jones Michael C. Caley AAMS Edward Jones Pam Covington CFP AAMS Edward Jones Tod Heisler AAMS Edward Jones Jason Korner CFP Edward Jones Quinn Nofziger Edward Jones Gwen Ruppert AAMS Edward Jones Karen Rupert AAMS Sean P. Asiala AAMS Financial Advisor Financial Advisor Financial Advisor Financial Advisor 414 S. Scott Rd. Fort Wieyne, IN 46814 Financial Advisor Financial Advisor 7030 Ponte nvemess Way Suite 125 Fort Wayne, N 4604 432-3613 Making Sense of Investing Financial Advisor Financial Advisor 7127 Homestead Rd. Sute C Fort Wayne, IN 40814 karenruperttedvardones.com 263-4760 Making Sense of investing 901 Chestrut Hils Parkway Fort Wayne, IN 4614 6525 Constitution Dr. Fon Wayne, IN 46804 14413 Heos Rd Ste E Fort Wayne, IN 46814 7525 West Jefferson Bvd. 7329 West Jetferson Bivd. Fort Wayne, IN 40804 Fon Wayne, IN 6804 625-5700 Making Sense of lnvesting 432-0304 Making Sense ef Investing 478-8038 Making Sense of Investing 444-3134 399-5853 Making Sense of Investing 625-3524 Making Sense of Investing Making Sense of Investing