REQUIRED WITHDRAWALS FROM RETIREMENT PLANS: WHAT TO KNOW?

You may spend decades contributing to your IRA and 401(k). But, eventually, you’ll need to use this money. Before that day arrives, you’ll want to be familiar with the rules governing withdrawals – and you’ll want to know just how much you should take out.

To begin with, withdrawals from traditional

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STAMPEDING BULL MARKET MAY SLOW DOWN … SO BE PREPARED

As you know, we’ve been enjoying a long period of steadily rising stock prices. Of course, this bull market won’t last forever – and when it does start losing steam, you, as an investor, need to be prepared.

Before we look at how you can ready yourself for a new phase in the investment environment,

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HOW CAN YOU SHARE YOUR FINANCIAL “ABUNDANCE” WITH YOUR FAMILY?

Thanksgiving is almost here. Ideally, this day should be about more than football and the imminent arrival of Black Friday mega-sales. After all, the spirit of the holiday invites us to be grateful for what we have and for the presence of our loved ones.

But it’s important to look beyond just one

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DOES MARKET VOLATILITY SCARE YOU?

Halloween is almost upon us. Of course, on Halloween night, you may see a parade of monsters, demons, Transformers and other frightening individuals stopping by your house, exercising their right to demand candy. Fortunately, their appearance will be unlikely to cause you unpleasant dreams. But some

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CONSIDER MULTIPLE FACTORS WHEN CREATING RETIREMENT PLANS

When you create your financial and investment strategies for retirement, what will you need to know? In other words, what factors should you consider, and how will these factors affect your investment-related decisions, before and during your retirement?

Consider the following:

•Age at retirement

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INTERNATIONAL INVESTING: STILL A JOURNEY TO CONSIDER

Columbus Day is observed on October 9. And while it may be true that Leif Erikson and the Vikings beat Columbus to the New World, Columbus Day nonetheless remains important in the public eye, signifying themes such as exploration and discovery. As an investor, you don’t have to “cross the ocean

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HERE’S YOUR RETIREMENT COUNTDOWN

If you want to enjoy a comfortable retirement lifestyle, you don’t need to have been born rich or even to have earned scads of money during your working years. But you do need to make the right moves at the right time – which means you might want to start a “retirement countdown” well before

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ARE YOU A “HARDWORKING” INVESTOR?

Next week, we observe Labor Day, a celebration of the American worker. You work hard your whole life with the hope that your efforts will ultimately allow you to achieve your financial goals, such as a comfortable retirement. But for that to happen, you may need to apply some of the lessons of the

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DIVERSIFY YOUR INVESTMENTS… BUT CONSOLIDATE YOUR PROVIDERS

You have probably heard that diversification is a key to investment success. So, you might think that if diversifying your investments is a good idea, it might also be wise to diversify your investment providers – after all, aren’t two (or more) heads better than one?

Before we look at that issue,

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WHAT CAN INVESTORS LEARN FROM THE ALL-STARS?

Next week, the 2017 Major League Baseball All-Star Game will be held in Marlins Park in Miami. If you’re a baseball fan, you may tune in to admire the skills and grace of the players. And if you’re an investor, you can learn some valuable lessons from the All Stars, including these:

•Alertness

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DECLARE YOUR FINANCIAL INDEPENDENCE DAY

We’re getting close to the Fourth of July, when we celebrate the freedoms we enjoy in this country. The U.S. constitution grants us many of these liberties, but we have to earn others – such as our financial freedom. What steps can you take to achieve the financial independence you need to reach

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DON’T LET YOUR INVESTMENTS TAKE A “VACATION”

It’s summer again – time for many of us to take a break and possibly hit the open road. But even if you go on vacation, you won’t want your investments to do the same – in summertime or any other season. How can you help make sure your portfolio continues to work hard for you all year long?

Here

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WHAT DOES CONSERVATIVE INVESTING MEAN TO OLDER INVESTORS?

If you’re a certain age, or getting close to it, you might hear something like this: “Now that you’re older, you need to invest more conservatively.” But what exactly does this mean?

For starters, it’s useful to understand that your investment preferences and needs will indeed change over

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IS YOUR PORTFOLIO “HEALTHY”?

May is National Physical Fitness and Sports Month. If you can exercise regularly, you’ll help yourself feel better, control your weight and even reduce the chances of developing certain diseases. But why not extend the concept of “fitness” to other areas of your life – such as your investment

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DON’T GET SWAYED BY THESE INVESTMENT “MYTHS”

Over time, you will run into various suggestions for investing successfully. Yet upon closer inspection, many of these ideas turn out to be “myths” – which could cause you trouble if you treat them as solid advice. Here are five of these myths, along with some reasons for ignoring them:

•You

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TEACH YOUR CHILDREN WELL… ABOUT FINANCES AND INVESTING

High debt levels … lack of savings … the inability to budget – these problems all have several causes, but one of them is almost certainly financial illiteracy. Too many of us just never developed the money management skills necessary to cope with our complicated – and expensive – world.

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HOW CAN THE “SANDWICH GENERATION” RELIEVE FINANCIAL STRESS?

Don’t worry too much if you haven’t heard, but April is National Stress Awareness Month. Of course, stress can present emotional and physical challenges to all of us, but if you belong to the “sandwich generation” – that is, you may be caring for aging parents while still supporting your

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Shawn D. Wall

Shawn graduated from Ball State University in 1991 with a degree in finance. He started building his practice with Edward Jones in Waynedale. He has been in the same location since 1992 continuing to build relationships on hard work and the desire to see people fulfill their retirement dreams.

Shawn

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PLAN FOR HEALTH CARE COSTS DURING RETIREMENT

When you retire, some of your expenses may go down – but health care is not likely to be one of them. In fact, your health care costs during retirement may well increase, so you may want to plan for these costs well before you leave the work force.

How much can you expect to spend on health care

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USE YOUR TAX REFUND WISELY

It’s tax time again – which for many Americans means that a tax refund is on its way. If you’re going to get a refund this year, how can you use the money to your best advantage?

Of course, it’s always tempting to spend the check from Uncle Sam on something fun. But a tax refund could be sizable

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INVESTMENT TIPS FOR “MILLENNIALS”

If you are a “millennial” – a member of the age cohort born anywhere from the early 1980s to the late 1990s – then you’re still in the early chapters of your career, so it may be a stretch for you to envision the end of it. But since you do have so many years until you retire, you’ve got

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WHEN DO YOU NEED A FINANCIAL ADVISOR?

Are you a “do-it-yourselfer”? If you can take care of home repairs, 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

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