Page 6 - Jupiter Spotlight - June '18
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Page 6, Jupiter Spotlight

What Should You Look For

In An Annual Financial Review?

By Sally Sima Stahl                                                              	 • Changes in your goals – Since your last annual review,    bonds, whose value will be affected by rising rates. In any
	 Given the complexities                                                         you may have decided to change some of your long-term
of the investment world,                                                         goals. Perhaps you no longer want to retire early, or you’ve  case, it’s another thing to talk about during your annual
you might consider working                                                       ruled out that vacation home. In any case, these choices
with a financial professional                                                    may well affect your investment strategies, so it’s wise      review.
to help you move toward                                                          to discuss them.
your goals, such as a                                                            	 • Changes in the investment environment – Generally         	 These aren’t the only elements you may want to bring
comfortable retirement.                                                          speaking, it’s a good idea to establish a long-term           up in your yearly review with your financial professional
You’ll want to establish                                                         investment strategy based on your individual goals, risk      – but they can prove to be quite helpful as you chart your
good communication with                                                          tolerance and time horizon, and stick with this basic
whomever you choose, and                                                         strategy regardless of the movements of the financial         course toward the future.
you should meet in person                                                        markets or changes in the economy. Still, this doesn’t        	 This article was written by Edward Jones for use by
at least once a year to discuss your situation. At these                         mean you should never adjust your portfolio in response       your local Edward Jones financial advisor.
annual reviews, you’ll want to cover a variety of topics,                        to external forces. For instance, if interest rates were to   	 Edward Jones, its employees and financial advisors
including these:                                                                 rise steadily over a year’s time, you might want to consider  are not estate planners and cannot provide tax or legal
	 • Your portfolio’s progress – Obviously, you will want                         some changes to your fixed-income investments, such as        advice. You should consult your estate-planning attorney
to discuss how well your investments are doing. Of course,                                                                                     or qualified tax advisor regarding your situation.
you can follow their performance from month to month, or                                                                                       	 Call me for a free portfolio review at (561) 748-7600,
even day to day, by reviewing your investment statements                                                                                       Sally Sima Stahl, AAMS, 1851 W. Indiantown Road, Ste.
and online information, but at your annual meeting, your                                                                                       106, Jupiter, FL 33458.
financial professional can sum up the past year’s results,
highlight areas that have done well or lagged, and show
you how closely your portfolio is tracking the results you
need to achieve your long-term goals.
	 • Your investment mix – Your mix of investments –
stocks, bonds, government securities and so on – helps
determine your success as an investor. But in looking at
the various investments in your portfolio, you’ll want to
go beyond individual gains and losses to see if your overall
mix is still appropriate for your needs. For example, is
the ratio of stocks to bonds still suitable for your risk
tolerance? Over time, and sometimes without you taking
any action, this ratio can shift, as often happens when
stocks appreciate so much that they now take up a larger
percentage of your portfolio than you intended – with a
correspondingly higher risk level. If these unexpected
movements occur, your financial professional may
recommend you rebalance your portfolio to align it more
closely with your goals and risk tolerance.
	 • Changes in your family situation – A lot can happen
in a single year. You could have gotten married, divorced
or remarried, added a child to your family or moved to a
new, more expensive house – the list can go on and on. And
some, if not all, of these moves could certainly involve
your financial and investment pictures, so it’s important
to discuss them with your financial professional.

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