Advertorial featured 3rd Thursdays in The Fox Chapel Herald > edwardjones.com | Member SIPC Edward Jones Should Investors'go it alone'? If you're going to enjoy a comfortable retirement, you should know, among other things, how much money you'll need. And you may have a much better chance of knowing this if you get some professional help. Here's an interesting finding: A study by financial research firm Dalbar revealed that investors who worked with a financial advisor were far more likely to have estimated what they'll need for retirement, and much more likely to be satisfied with the amount of their retirement savings, than "do-it- yourself" investors. How do financial advisors help their clients in these ways? First, consider the issue of determining how much money will be needed for retirement. It's not always easy for individuals to estimate this amount. But financial advisors can help clients like you arrive at this figure by exploring your hopes and goals. How long do you plan to work? What kind of lifestyle do you anticipate enjoying in retirement? How much would you like to travel? Next comes the other key question: How much money will be available for retirement? This big question leads to many others: How much do you need to invest each year? About what sort of investment return will you need to reach your retirement income goals? What level of risk are you willing to take to achieve that return? What is the role of other income sources such as Social Security or any pensions you might have? Having a financial advisor help you gain a clear idea of your retirement income picture can certainly be reassuring. But there may be other reasons why "going it alone" as an investor may not be a wise idea. For example, when the financial markets are down, as was the case for much of 2022, some investors make decisions based on short-term volatility. When you work with a financial advisor, you'll get guidance that can help you avoid making decisions driven primarily by emotions - which can often be the wrong ones. In some areas of life, going it alone can be exciting- but when it comes to investing for your future, you may benefit from some company along the way. Call or visit your local financial advisor today. Seth D. Thompson, CFP®, AAMS® Certified Financial Planner Office: 412-828-2437 Email: seth.thompson@edwardjones.com 201 Allegheny Ave. Suite 2 Oakmont, PA 15139 Thinking about CDs? Bank-issued, FDIC-insured 4.75% 1-year APY* *Annual Percentage Yield (APY) effective 02/06/2023 CD offered by Edward Jones are bank issued and FDIC insured up to $250,000 (principal and interest accrued but not yet paid) per deposito per insured depository institution, for each account ownership category Please visit www.dc.govor contact your financial advisor for additional information Subject to availability and price change. CD values are subject to interest rate risk such that when interest rates rise, the prices of CDs can decrease 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 this nationwide All CDs sold by Edward Jones are registered with the Depository Trust Corp. (DTC) =270614 Advertorial featured 3rd Thursdays in The Fox Chapel Herald > edwardjones.com | Member SIPC Edward Jones Should Investors'go it alone ' ? If you're going to enjoy a comfortable retirement , you should know , among other things , how much money you'll need . And you may have a much better chance of knowing this if you get some professional help . Here's an interesting finding : A study by financial research firm Dalbar revealed that investors who worked with a financial advisor were far more likely to have estimated what they'll need for retirement , and much more likely to be satisfied with the amount of their retirement savings , than " do - it yourself " investors . How do financial advisors help their clients in these ways ? First , consider the issue of determining how much money will be needed for retirement . It's not always easy for individuals to estimate this amount . But financial advisors can help clients like you arrive at this figure by exploring your hopes and goals . How long do you plan to work ? What kind of lifestyle do you anticipate enjoying in retirement ? How much would you like to travel ? Next comes the other key question : How much money will be available for retirement ? This big question leads to many others : How much do you need to invest each year ? About what sort of investment return will you need to reach your retirement income goals ? What level of risk are you willing to take to achieve that return ? What is the role of other income sources such as Social Security or any pensions you might have ? Having a financial advisor help you gain a clear idea of your retirement income picture can certainly be reassuring . But there may be other reasons why " going it alone " as an investor may not be a wise idea . For example , when the financial markets are down , as was the case for much of 2022 , some investors make decisions based on short - term volatility . When you work with a financial advisor , you'll get guidance that can help you avoid making decisions driven primarily by emotions - which can often be the wrong ones . In some areas of life , going it alone can be exciting- but when it comes to investing for your future , you may benefit from some company along the way . Call or visit your local financial advisor today . Seth D. Thompson , CFP® , AAMS® Certified Financial Planner Office : 412-828-2437 Email : seth.thompson@edwardjones.com 201 Allegheny Ave. Suite 2 Oakmont , PA 15139 Thinking about CDs ? Bank - issued , FDIC - insured 4.75 % 1 - year APY * * Annual Percentage Yield ( APY ) effective 02/06/2023 CD offered by Edward Jones are bank issued and FDIC insured up to $ 250,000 ( principal and interest accrued but not yet paid ) per deposito per insured depository institution , for each account ownership category Please visit www.dc.govor contact your financial advisor for additional information Subject to availability and price change . CD values are subject to interest rate risk such that when interest rates rise , the prices of CDs can decrease 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 this nationwide All CDs sold by Edward Jones are registered with the Depository Trust Corp. ( DTC ) = 270614