What might these lessons be? Take a look:

• Pick players carefully. Super Bowl teams don’t usually get there out of luck; they’ve made it in part because they have carefully chosen their players. And to potentially achieve success as an investor, you, too, need carefully chosen “players”—investments that are chosen for your individual situation.
• Choose a diversified mix of players. Not only do Super Bowl teams have good players, but they have good ones at many different positions—and these players tend to play well together. As an investor, you should own a variety of investments with different capabilities—such as stocks for growth and bonds for income—and your various investments should complement, rather than duplicate, one another. Strive to build a diversified portfolio containing investments appropriate for you situation, such as stocks, bonds, government securities, certificates of deposit (CDs) and other vehicles. Diversifying your holdings may help reduce the effects of market volatility. Keep in mind, though, that diversification, by itself, can’t guarantee a profit or protect against loss.
• Follow a “game plan.” Super Bowl teams are skilled at creating game plans designed to maximize their own strengths and exploit their opponents’ weaknesses. When you invest, you also can benefit from a game plan—a strategy to help you work toward your goals. This strategy may incorporate several elements, such as taking full advantage of your Individual Retirement Account (IRA) and your 401(k) or other employer-sponsored retirement plan, pursuing new investment opportunities as they arise and reviewing your portfolio regularly to make sure it’s still appropriate for your needs.
• Stay dedicated to your goals. Virtually all Super Bowl teams have had to overcome obstacles, such as injuries, bad weather and a tough schedule. But through persistence and a constant devotion to their ultimate goal, they persevere. As an investor, you’ll face some challenges, too, such as political and economic turmoil that can upset the financial markets. But if you own a diversified mix of quality investments and follow a long-term strategy that’s tailored to your objectives, time horizon and risk tolerance, you can keep moving forward, despite the “bumps in the road” that all investors face.
• Get good coaching. Super Bowl teams typically are well-coached, with disciplined head coaches and innovative offensive and defensive coordinators. When you’re trying to achieve many financial goals—such as a comfortable retirement, control over your investment taxes and a legacy to leave to your family—you, too, can benefit from strong “coaching.” As your “head coach,” you might choose a financial professional—someone who can help you identify your goals and recommend an appropriate investment strategy to help you work toward them. And your financial professional can coordinate activities with your other “coaches,” such as your tax and legal advisors.

Unless you’re a professional football player, you won’t ever experience what it’s like to play in the Super Bowl. However, achieving your financial goals can be a fairly big event in your life—and to help work toward that point, you can take a few tips from the teams that have made it to the Big Game.

This article was written by Edward Jones for use by your local Edward Jones Financial Advisor.

In fact, various studies and anecdotal evidence suggests these differences in the way that men and women invest:

• Men tend to trade more often than women. Men seem to buy and sell investments more frequently than women. This difference could result in an advantage for women investors. For one thing, if women do trade less, they may incur fewer commission charges, fees and other expenses, all of which can eat into investment returns. Also, by holding investments longer, women may be able to take better advantage of market rallies. During the 2008-2009 financial crisis, for example, men were more likely than women to sell shares of stock at market lows, which led to bigger losses among male traders—and fewer gains when some of the stock values began to rise again—according to a study by Vanguard, a mutual fund company.
• Men tend to invest more aggressively than women. Perhaps not surprisingly, men seem to be more willing to take risks with their investments. This trait can be both positive and negative. On the positive side, risk is associated with reward, so the more aggressive the investment, the greater the potential for growth. On the negative side, taking too much risk pretty much speaks for itself. Ideally, all investors— men and women—should stick with investments that fit their individual risk tolerance.
• Women are more likely to look at the “big picture.” Although both men and women investors want information, women seem to take a more “holistic” approach—that is, instead of focusing strictly on performance statistics, they tend to delve deeper into their investments’ background, competitive environment and other factors. This quest for additional knowledge may help explain why all-female investment clubs have achieved greater returns than all-male clubs, according to a study by the National Association of Investors Corp., which represents thousands of investment clubs across the country.
• Men may be more optimistic about the financial markets. Some studies show that men are more optimistic about key economic indicators and future stock market performance. Optimism can be a valuable asset when it comes to investing; if you have confidence in the future, you’re more likely to invest for it, and to continue investing. On the other hand, false optimism may lead to over-confidence, which can have negative results for investors.

Neither men nor women have a monopoly on positive investment behaviors; each gender can probably learn something from the other. Ultimately, of course, it’s your decision-making, not your x- or y-chromosomes, that will determine your ability to make progress toward your long-term goals. So educate yourself about your choices, and get the help you need from a financial professional, as you invest through the years.

This article was written by Edward Jones for use by your local Edward Jones Financial Advisor.

To get a sense of this gap, consider these statistics:

• According to the U.S. Small Business Administration’s Office of Advocacy, 19.4 percent of male business owners have 401(k) or similar plans, compared with just 15.5 percent of women owners.
• The percentage of female business owners with Individual Retirement Accounts (IRAs) is about the same as that of male business owners—but the men have more money in their accounts. The average woman’s IRA balance is about $51,000, compared with $91,000 for men, according to a recent report by the Employee Benefit Research Institute. Although these figures change constantly with the ebbs and flow of the market, the difference between the genders remains significant.

One way to help close this savings gap, of course, is to set up a retirement plan for your business. But for many women business owners (and male owners, too), the perceived cost of setting up and running a retirement plan has been an obstacle. However, the retirement plan market has opened up considerably for small business owners over the past several years, so you might be surprised at the ease and inexpensiveness of administering a quality plan that can help you build resources for your own retirement—and help you attract and retain good employees.

With the help of a financial professional, you can consider some of the myriad of plans that may be available to you:

• Owner-only 401(k)—This plan, which is also known as an individual 401(k), is available to self-employed individuals and business owners with no full-time employees other than themselves or a spouse. You may even be able to choose a Roth option for your 401(k), which allows you to make after-tax contributions that can grow tax-free.
• SEP IRA—If you have just a few employees or are self-employed with no employees, you may want to consider a SEP IRA. You’ll fund the plan with tax-deductible contributions, and you must cover all eligible employees.
• Solo defined benefit plan—Pension plans, also known as defined benefit plans, are still around—and you can set one up for yourself if you are self-employed or own your own business. This plan has high contribution limits, which are determined by an actuarial calculation, and as is the case with other retirement plans, your contributions are typically tax-deductible.
• SIMPLE IRA—A SIMPLE IRA, as its name suggests, is easy to set up and maintain, and it can be a good plan if your business has fewer than 10 employees. Still, while a SIMPLE IRA may be advantageous for your employees, it’s less generous to you, as far as allowable contributions, than an owner-only 401(k), a SEP IRA or a defined benefit plan.

As a business owner, you spend a lot of time thinking about what needs to be done today, but you don’t want to forget about tomorrow—so consider putting a retirement plan to work for you soon.

This article was written by Edward Jones for use by your local Edward Jones Financial Advisor. ]]> http://www.lynchburgbusinessmag.com/mag/women-business-owners-need-retirement-plans/feed/ 0 http://www.lynchburgbusinessmag.com/mag/like-the-weather-hot-investment-can-cool-off/ http://www.lynchburgbusinessmag.com/mag/like-the-weather-hot-investment-can-cool-off/#comments Fri, 15 Jul 2011 20:04:01 +0000 Jeff Boyer, Edward Jones Financial Advisor http://www.lynchburgbusinessmag.com/?p=1206 We’re in the “Dog Days” of summer, traditionally the hottest, steamiest time of year. But, in a few weeks, the temperatures will begin to cool down. Nature isn’t alone in this heating-and-cooling pattern —you can also find evidence of it in the investment world. To be specific, today’s “hot” investments can lose their sizzle quickly, which means that, as an investor, you’ll need to take steps to avoid being left out in the cold.

An investment can become “hot” —that is, its price can shoot up—for any number of reasons. For example, a company that provides a well-known product or service may decide to “go public” by making its shares available to investors; when this happens, the stocks become “hot” for a while. An investment may also become hot if a favorable event occurs, as might be the case with a drug company that gains permission to sell a medicine that’s much in demand. Still other investments heat up because an “expert” is touting them in the media.

Although different investments may get hot for different reasons, they all share one thing in common: They will cool off. In fact, by the time you and many other investors hear about a hot stock, it may already be cooling off. If you buy into an investment that’s been hot for a while, you should recognize that its “upside potential” may not be what you think.

To help achieve your financial goals, you may be better off by not chasing after hot stocks. Instead, consider these ideas:

Increase share ownership. One key to building wealth is to increase the amount of shares you own in your investments. Hot stocks are often expensive stocks, so you may be limited in the number of shares you can purchase. As an alternative, look for quality investments that are trading at reasonable prices. You might also consider buying additional shares in quality companies you already own.

Buy appropriate investments. Even if you can afford to buy some shares in hot stocks, should you? These stocks may not be suitable for your needs, for any number of reasons: too risky for your risk tolerance, too similar to other stocks you already own and so on. You need to own investments that are appropriate for your individual needs. Of course, you also need to keep in mind that any investment in stocks—whether hot or not—will fluctuate with changes in market conditions and may be worth more or less than your original investment when you sell.

Diversify your holdings. By continually pursuing hot investments, you might end up with an unbalanced, non-diversified portfolio. By diversifying your holdings, you can help reduce the impact of volatility on your portfolio. However, diversification, by itself, cannot guarantee a profit or protect against loss.

Think long-term. Chasing hot stocks is strictly a short-term move. Successful investors adhere to long-term strategies that require discipline, patience and a constant focus on the future.

By following these suggestions, you’re unlikely to experience the “thrill” of chasing after hot investments, but you will get the satisfaction of building a portfolio designed to help meet your important investment goals.

This article was written by Edward Jones for use by your local Edward Jones Financial Advisor.

Your first step is to be aware of the challenges you will face. As you know, the financial crisis of 2008 and early 2009 took a bite out of just about everyone’s retirement portfolio. And even though the markets have bounced back strongly, you might still have some ground to make up in your 401(k), Individual Retirement Account (IRA) or other accounts. At the same time, budgetary pressures may lead to reductions in Pell Grants and other federally backed financial aid to students, so you may need to provide more assistance to your children than you once might have thought.

To deal with these challenges and help yourself make progress toward your college/retirement objectives, consider the following moves:

• Establish some priorities. How much should you save and invest for retirement versus college? Also, how much of the college costs would you like to cover: 100 percent, 50 percent or perhaps a set dollar amount? There’s no one “right” answer for everyone—you’ll have to establish priorities based on your preferences and family situation. But once you’ve set these priorities, you’ll have some guiding principles to govern your savings and investment decisions.

• Put time on your side. The earlier you start saving for both your retirement and your children’s college education, the better your chances of reaching your goals.
• Choose the right investment vehicles. You may want to work with a financial advisor to choose the appropriate mix of investments for your needs. But in general, it’s a good idea to contribute as much as you can afford to your 401(k) or other employer-sponsored retirement account. Your contributions are generally made with pretax dollars, and your earnings can grow tax deferred. And whether or not you have access to a 401(k) or other employer-sponsored plan, you can probably also contribute to a traditional IRA, which offers tax-deferred earnings, or a Roth IRA, which provides tax-free earnings, provided you’ve held your account at least five years and you don’t start taking withdrawals until you’ve reached age 59½. To save for college, you may want to explore a 529 plan, which also provides tax-free earnings, provided they are used for qualified higher education expenses.*
• Keep investing. The financial markets will always move up and down—so in some months, you might not like what you see on your investment statements. But the most successful investors keep investing in good times and bad. If you decide to take a “timeout” from investing and head to the sidelines during a market slump, you could miss out on the next rally.

By following these suggestions, you can keep moving forward toward two special times in your life: when your children attain the higher education that can help them succeed in life and when you can enjoy the retirement for which you’ve worked so hard.

This article was written by Edward Jones for use by your local Edward Jones Financial Advisor.

* Withdrawals used for expenses other than qualified education expenses may be subject to federal and state taxes, plus a 10 percent penalty. There may be state tax incentives available to in-state residents who invest in their home state’s 529 plan. Student and parental assets and income are considered when applying for financial aid. Generally, a 529 plan is considered an asset of the parent, which may be an advantage over saving in the student’s name. Make sure you discuss the potential financial aid impacts with a financial aid professional. Tax issues for 529 plans can be complex. Please consult your tax advisor about your situation. Edward Jones, its financial advisors and employees cannot provide tax or legal advice.

If you have no employees other than your spouse or a partner, you can establish an “owner-only” 401(k), also known as an individual 401(k). This plan offers many of the same advantages of a traditional 401(k): a range of investment options, tax-deductible contributions and the opportunity for tax-deferred earnings growth. You may even be able to choose a Roth option for your 401(k), which allows you to make after-tax contributions that have the opportunity to grow tax free.

Your owner-only 401(k) contributions consist of two parts: salary deferral and profit sharing. In 2011, you can defer up to $16,500 of income, or $22,000 if you’re 50 or older. The amount of your profit-sharing contribution is based on your earnings. The sum of your employer contribution and your salary deferral contributions can’t exceed $49,000 in 2011 (or $54,500 if you’re 50 or older). Keep in mind that if your spouse is employed by your business, you each can contribute the maximum amount allowed.

You’ve got considerable flexibility in funding your owner-only 401(k). Both the salary deferral and the profit-sharing contributions are discretionary, so you can change them at any time based on your business’s profitability.

Now, let’s move on to the defined benefit plan, which might be appropriate for you if you are highly compensated and have no other employees. By establishing a defined benefit plan, you’ll be providing yourself with a monthly payment (or “benefit”) for life, beginning at the retirement age specified by your plan. In 2011, the yearly benefit limit is $195,000.

The amount you can contribute to your defined benefit plan each year is based on several variables, including your current age, your compensation level and your retirement age. But you’ll certainly be able to contribute large amounts: A defined benefit plan is the only retirement account that allows contributions in excess of the limits placed on 401(k)s and other defined contribution plans. Generally speaking, the closer you get to retirement, the larger your maximum yearly contributions will be. (This is because you’ll have fewer years left in which to fund your defined benefit.) And since your defined benefit contributions are tax-deductible, you are, in effect, getting a big boost from the government to fund a generous retirement plan.

Here’s one more benefit to owner-only 401(k) and defined benefit plans: You can contribute to both of them at the same time. But before you choose either or both of them, consult with your tax and financial advisors. After all, you work hard to help provide for a comfortable retirement tomorrow—so you’ll want a retirement plan working hard for you today.

This article was written by Edward Jones for use by your local Edward Jones Financial Advisor. ]]> http://www.lynchburgbusinessmag.com/mag/own-a-small-business-consider-these-retirement-plans/feed/ 0 http://www.lynchburgbusinessmag.com/mag/looking-for-income-consider-premium-bonds/ http://www.lynchburgbusinessmag.com/mag/looking-for-income-consider-premium-bonds/#comments Fri, 15 Apr 2011 17:22:07 +0000 Jeff Boyer, Edward Jones Financial Advisor http://www.lynchburgbusinessmag.com/?p=1062 As an investor, you want your money to grow so that you can achieve your important goals, such as a comfortable retirement or college for your children. But you may also invest to increase your cash flow. In fact, without a strong cash flow, you may be forced to dip into your growth-oriented investments to pay for short-term needs—and if you do this repeatedly, you could damage your prospects for attaining your long-term goals. That’s why you’ll want to look at different ways of boosting your cash flow—one of which may be premium bonds. 

To understand the nature of premium bonds, you’ll first want to be familiar with the relationship between a bond’s price and its interest rate. When a bond is issued, it sells for face (“par”) value, which is the amount returned to the bondholder when the bond matures. This bond also comes with a “coupon” rate—the interest rate that the bond will pay throughout its lifetime. So, for example, if you paid $10,000 for a 10-year bond with a coupon rate of five percent, you would earn $500 per year, every year. If you held the bond until it matured, you’d also get your $10,000 back, provided the issuer doesn’t default. But if market interest rates move up to 6 percent, and you wanted to sell your five-percent bond before it matures, you’d have to offer it at a discount from the $10,000 face value. Conversely, if market rates were to fall to four percent, you may be able to sell your $10,000 bond for more than its face value, because investors will be willing to pay a premium to earn the higher interest rate. 

Now, let’s flip the equation, so that instead of being a bond seller, you’re a buyer. If you want to increase your investment income, you might be interested in a premium bond. You pay a premium for the bond in return for higher interest payments for the life of the bond, and, if you hold it until maturity, you’ll still get the face value back (again barring a default). 

Furthermore, because premium bonds pay higher interest, they also pay a greater proportion of their cash flow before they mature, in comparison to discounted or “par” bonds. This helps provide for greater price stability, so if interest rates rise or fall, premium bond prices typically will not decrease or increase as much as those of discount or par bonds.

Keep in mind that while premium bonds are attractive to you because of their higher interest rate, they are unattractive to bond issuers for the same reason. In fact, when market interest rates fall, some issuers may try to redeem (“call”) these bonds so that they can issue new ones at the lower rates. Obviously, if your premium bond were to be called, your cash flow might take a hit. That’s why, when investing in premium bonds, you might want to look for those that have at least limited call protection—in other words, they can’t be redeemed for a certain number of years.

Your portfolio should comprise a number of different investments designed to work together to meet your long-term financial goals.  So give premium bonds some consideration as part of a well-diversified portfolio. Before investing in bonds you should understand the risks involved, including interest rate risk, credit risk and market risk.

This article was written by Edward Jones for use by your local Edward Jones Financial Advisor.

Just how do investments get “exercise”? Through lots of activity. And you can keep your investments active in at least two ways: through systematic investing and dividend reinvestment. Let’s take a look at both of these techniques.

When you engage in systematic investing, commonly called “dollar cost averaging,” you are continually putting your money “in motion.” Essentially, you put the same amount of money into the same investments at regular intervals. For example, you might decide to invest $100 per month in Company ABC stock. To impose this investment discipline on yourself, you could even have the money sent directly from your checking or savings account.

Of course, since the price of ABC stock, like those of all stocks, is constantly changing, your $100 investment will most likely buy different numbers of shares each month. This can work to your advantage, because when the stock price of ABC goes down, your $100 will buy more shares. When the price goes up, you’ll automatically be a smart enough “shopper” to buy fewer shares, just as you’d typically buy less of something when its price goes up.

Over time, systematic investing typically results in a lower average cost per share than if you were to make sporadic lump-sum investments. If you can lower the cost of investing, this may help boost your investment returns. This also can be an effective way to fund your retirement account(s) each year. Keep in mind, though, that systematic investing does not guarantee a profit or protect against loss. Also, you’ll need the financial resources available to keep investing through up and down markets.

Dividend reinvestment is similar to systematic investing in that it allows you to build more shares of an investment. But when you reinvest dividends, you don’t even have to take money from other sources to increase your shares—you simply request that a stock or a mutual fund, instead of paying you a dividend in cash, reinvest the dividend into that same stock or mutual fund. It’s an effortless way of adding shares. Similar to dollar cost averaging, dividend reinvestment imposes investment discipline—you automatically keep putting money in the market during up and down periods. (Don’t forget, though, that dividends can be increased, decreased or eliminated at any point without notice).

Exercising your investment dollars in these ways can help you go a long way toward keeping your portfolio in good shape—enabling you to make healthy progress toward your important long-term goals.

This article was written by Edward Jones for use by your local Edward Jones Financial Advisor. ]]> http://www.lynchburgbusinessmag.com/mag/are-your-investments-getting-enough-exercise/feed/ 0 http://www.lynchburgbusinessmag.com/mag/go-beyond-employer%e2%80%99s-life-and-disability-policies/ http://www.lynchburgbusinessmag.com/mag/go-beyond-employer%e2%80%99s-life-and-disability-policies/#comments Tue, 15 Feb 2011 17:02:25 +0000 Jeff Boyer, Edward Jones Financial Advisor http://www.lynchburgbusinessmag.com/?p=955 If you work for an employer who offers a benefits package that includes life insurance and disability income insurance, consider yourself fortunate. But you can’t necessarily consider yourself fully protected. And if you don’t have appropriate life and disability insurance, your long-term financial goals could be at risk.

Life Insurance: How Much Is Enough?
The amount of life insurance you’ll require will change throughout your life. When you’re starting out in your career, and you’re single and living in an apartment, you probably need a lot less insurance than you might a few years later, when you have a spouse, children and a mortgage.

Because your life insurance needs will evolve over time, you can’t really use a “formula” to determine how much insurance you should own. The only way to determine your true needs is to take stock of your individual situation. How big is your mortgage? How much will it cost to send your kids to college? How much income is your spouse likely to bring in over time?

By answering these and other key questions, you should be able to get a good sense of how much life insurance you’d need at any point in time. From there, it’s just a matter of seeing how much insurance your employer is offering and then purchasing enough coverage on your own to make up the shortfall, if one exists. And you’ll find other benefits to owning your own policy: It may be more cost-effective, and you’ll keep the coverage even if you change jobs.

If you purchase a term life policy, you’ll find it quite affordable to receive a substantial amount of coverage. Eventually, to help yourself meet goals beyond just protection, you might want to consider some type of permanent insurance, such as whole life or universal life, which contains an investment component in addition to the death benefit.

Disability Insurance: Go Long
An illness or accident will keep one in five workers out of work for a least a year during their working careers, according to the U.S. Census Bureau. Social Security Disability Insurance (SSDI) might not help, because, in any given year, most claims are denied. In fact, in 2007, only about 38 percent of the 2.2 million people who applied for SSDI benefits actually received them, according to the Social Security Administration.

So, while you are healthy and working, ask some questions about your employer’s disability insurance plan. What does it cover and for how long? Many employers provide short-term disability plans because they are relatively inexpensive, but as we’ve seen, many disabilities last a year or longer. Find out if your employer offers any long-term disability coverage, which can provide benefits until you reach age 65. If so, think about purchasing as much as you can.

If you can’t get enough coverage at work, consider a policy from an outside provider. Basically, you need enough of a monthly disability insurance benefit to replace your net take-home pay, so that your current lifestyle does not change. Disability insurance policies vary widely in coverage and premium, so shop around before purchasing one.

Take full advantage of your employer’s life and disability insurance plans. But if this coverage isn’t enough, get what you need on your own. You’ll be making a smart investment.

This article was written by Edward Jones on behalf of your Edward Jones financial advisor. ]]> http://www.lynchburgbusinessmag.com/mag/go-beyond-employer%e2%80%99s-life-and-disability-policies/feed/ 0 http://www.lynchburgbusinessmag.com/mag/how-to-choose-a-financial-professional/ http://www.lynchburgbusinessmag.com/mag/how-to-choose-a-financial-professional/#comments Sat, 15 Jan 2011 05:00:44 +0000 Jeff Boyer, Edward Jones Financial Advisor http://www.lynchburgbusinessmag.com/?p=907 As you navigate the financial world, you’ll most likely deal with a wide array of investment choices, constantly changing tax laws, estate-planning issues and other areas. And then, to make things even more complex, you’ll have to consider your own risk tolerance, time horizon and individual goals. If you’re like most people, you don’t have the time and expertise to create, monitor and adjust your investment strategy by yourself, so you’ll need to get some help. But how can you choose a financial professional who is right for you?

You’ll need to do some research, possibly by interviewing a few candidates. Here are a few questions you may want to ask:

• Do you have experience working with people like me? Ideally, you’d like to work with someone who has experience in helping people like you—that is, people with similar income and asset levels, family situations, goals and so on. The more familiar a financial professional is with people like you, the better that person will be at helping you identify the appropriate investment moves.
• Do you have a particular investment philosophy? Look for someone with a thoughtful, reasoned philosophy on investing. As a general rule, be suspicious of anyone promising you big, quick gains. The best financial professionals seek to help their clients achieve positive long-term results through disciplined, persistent and sensible investment moves.
• How often will you communicate with me? If you’re going to entrust your hard-earned financial resources with someone, you’ll want that person to communicate with you regularly as to how you’re doing and what changes you may need to make. How often will you receive investment statements? How many times a year will you meet to review your progress? Can you have face-to-face consultations whenever you need them? These are the types of questions you’ll want to ask any prospective financial advisor.
• Will you be my primary contact? If you seek a one-on-one relationship with a financial professional, you’ll want that person to be your main contact, if not your exclusive one. You deserve the attention and expertise of a financial professional, so if you’re interviewing someone who seems as if he or she might try to “pass you along” to subordinates in the office, keep looking.
• What services do you offer? If you want your financial professional to help you create a unified investment strategy, you’ll also want that person to help you implement it—which means he or she needs access to a full range of investment and money management products and services.
• How are you paid? Financial professionals are compensated in any of a number of ways.  They may work on a fee-only basis, with the fee either agreed upon in advance or based on the level of assets under management. And some financial professionals work in a combined fee-and-commission arrangement. From an investor’s point of view, one method of compensation may not be “better” than the others; nonetheless, it’s important for you to fully understand how your financial advisor will be paid.

  By doing your homework in advance, you can develop a solid relationship with a qualified financial professional—someone who will be with you far into the future.

This article was written by Edward Jones for use by your local Edward Jones Financial Advisor. ]]> http://www.lynchburgbusinessmag.com/mag/how-to-choose-a-financial-professional/feed/ 0