Akron Life November 2022

Deposit Insurance Corporation (FDIC) protection.

> edwardjones.com | Member SIPC investments on one statement. This can mean less paperwork and help ensure everything is working together to support your overall financial strategy. By using our Insured Bank Deposit program, you gain the convenience of having your FDIC-insured deposit and your Protect your savings with FDIC coverage up to $2.5 million Our Insured Bank Deposit program offers the assurance of Federal Deposit Insurance Corporation (FDIC) protection. By using our Insured Bank Deposit program, you gain the convenience of having your FDIC-insured deposit and your investments on one statement. This can mean less paperwork and help ensure everything is working together to support your overall financial strategy. BNK-6611I-A Deposits are FDIC-insured up to $2.5 million ($5 million for joint accounts of two or more people). Amounts that exceed the program’s FDIC coverage limits will be removed from the program and invested in the Edward Jones Money Market Fund, unless you opt instead to deposit such amounts in an Excess Bank as outlined in the program disclosure. More information about the Insured Bank Deposit Program, including the program disclosure, is available from your financial advisor or at edwardjones.com/ bankdeposit. For more information about FDIC insurance, go to fdic.gov. Extra protection is here. Contact me today to learn more. Gina A Betti , AAMS™, CRPS™ Financial Advisor 822 Kumho Drive Suite 102 Fairlawn, OH 44333 330-664-6030 A place to grow your money for a rainy day When it comes to your to-do list, put your future first. To find out h w to get our financial goals on track, contact us for a complimentary review. d r j Ba ssu d g Extra protection is here. Contact me today to learn more. Bank-issu d, FDIC-insured 4.05 Extra protection is here. Contact me today o learn more. %

FINANCIAL PLANNING

“Fewer and fewer people are having pensions,” Presper says, adding that less than half of his clients have them. Still, some professionals receive pen sions, like teachers, firefighters, police officers and employees of large com panies, with Goodyear Tire & Rubber Co. as a local example. Pension options vary, but you may be able to collect a monthly amount or a lump sum, and you may be able to split that money with a spouse through a survivorship. That choice can depend on what your former employer offers or how much money you think you will need each month. “Much of the decision with pensions is: What is your income need? What other sources do you have to draw income from? ” Presper says. An example of an additional income source is Social Security payments. You can start receiving these anywhere between ages 62 and 70, and every year you delay these payments, they increase by 8 percent. “We could tell someone the exact perfect time to start Social Security if we knew how long they’re going to live. But of course, we don’t know that,” Garner says. “So we try to change the conversation on Social Security. … When do I want the most money from the government? Because that is a decision that we absolutely can control.” He gives the example of people who love to travel. If you plan to retire early and spend the first years of your retirement traveling, you may want to receive Social Security payments earlier, since you will be spending more money during those years. IRAs, which are especially popular because of tax-free withdrawals. “We like to have sources of income in retirement where we don’t have to pay taxes to the government every time we withdraw money, and that’s what the Roth allows us to do,” Garner says. Another option is withdrawing funds from individual retirement accounts, 401(k)s and Roth

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Minimum deposit APY* 1-year i i i

$50,000

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Gina A Betti , AAMS™, CRPS™ Financial Advisor 822 Kumho Drive Suite 102 Fairlawn, OH 44333 330-664-6030 i , ,

Gina A Betti, AAMS®, CRPS® Financial Advisor 822 Kumho Drive Suite 102 Fairlawn, OH 44333 330-664-6030

Gina A Betti , AAMS™, CRPS™ Financial Advisor 822 Kumho Drive Suite 102 Fairlawn, OH 44333 330-664-6030 i Financial i 8 u Dri ite i l ,

edwardjones.com Member SIPC

BNK-6611I-A Deposits are FDIC-insured up to $2.5 million ($5 million for joint accounts of two or more people). Amounts that exceed the program’s FDIC coverage limits will be removed from the program and invested in the Edward Jones Money Market Fund, unless you opt instead to deposit such amounts in an Excess Bank as outlined in the program disclosure. More information about the Insured Bank Deposit Program, including the program disclosure, is available from your financial advisor or at edwardjones.com/ bankdeposit. For more information about FDIC insurance, go to fdic.gov. * Annual Percentage Yield (APY) effective 10/04/22. CDs offered by Edward Jones are bank-issued and FDIC-insured up t $250,000 (principal and interest accrued but not yet paid) per depositor, per insured depository institution, for each accou ownership categ ry. Please visit www.fdic.gov or contact your financial advi or for additional information. Subject to availability and rice change. CD valu s are subject to interest rate risk such that when int rest rat s rise, the prices of CDs can decrease. If CDs are sold prior to maturity, the investor can lose principal value. FDIC insurance does not cover losses in market value. Early withdrawal may not be permitted. Yields quoted are net of all commissions. CDs require the distribution of interest and do not allow interest to compound. CDs offered through Edward Jones are issued by banks and thrifts nationwide. All CDs sold by Edward Jones are registered with the Depository Trust Corp. (DTC). l r t i l Y) effective 10/04/22. CDs offered by Edward Jones are bank-issued and FDIC-insured up t $250,000 (principal and interest accrued but not yet paid) per de sitor, er i r d p it ry i stit ti , f r r ip ate ory. lea i it ww .f i . v r c t ct y r fin ci l i r f r a itio al i f r ti . j t t availability and price change. CD values are subject to interest rate risk u h t at e i ter t r tes ri e, t ri f d r ase. If C are s l ri r t t rit , th i ve t r l ri i l l . I i r do n t r l i r t l . rl it r l t r itt . i l t r t f ll i i . r ir t i tri ti f i t r t t ll i t r t t . ff r t r r J r i t rift r r i t r it t it r r t r . . ti i . ll l r J

FAP-1966F-A

FDI-1916L-A © 2022 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED.

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I want to see the world... It’s easy to aim high when you want to create memories and enjoy new experiences, but it’s often difficult to find the right starting point. We can help you quantify these expenses to make your goals more attainable.

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