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click on the PDF icon to access RETIRING SOON - WHAT YOU SHOULD KNOW

At Jones Wealth Management Group, we believe that are four (4) necessities that enable you to achieve financial independence: Time, Discipline, Patience, Sacrifice.  As an emerging saver and investor, you have the benefit of time that your more seasoned savers and investors do not.  When you combine time, with discipline, patience, and sacrifice, you are well on your way to achieving financial independence.  Discipline says that you will put money away on regular basis.  Patience requires that once you put it away, you will provide it amble opportunity to increase in value.  Sacrifice denotes that you are willing to forego some uses and pleasures of your money for greater rewards in the future. 


Portfolio reviews for pre-retirees and retirees are designed to help align current savings and investments with the planning required to provide sufficient income for future retirement needs and desires.  At the Jones Wealth Management Group, we manage client assets with an aim of providing an increasing income stream in retirement to supplement current or future sources of "fixed income" such as Social Security, VA benefits, or pension income.

Social Security recipients receive an increase in benefits based upon the Consumer Price Index (CPI), a measure of inflation.  Officially, for the years 2010 and 2011, there was not an increase in the CPI (no measurable inflation), so Social Security recipients did not receive an increase in benefit in those two (2) years.

While there may not have been any 'official' inflation during  those years, at Jones Wealth Management Group we recognize that everyday living expenses such as food, utility, and medical costs increased for many.  Portfolio reviews can help uncover the potential for greater income from current savings and investments allowing pre-retirees and retirees more options to engage in the activities that are important to them such as traveling, visiting with grandchildren, and other relatives, or developing a new hobby.


Most rules associated with the various types of retirement plans are common across plan offerings, but there can be guidelines that differentiate one from another, particularly as it relates to distributions at or near retirement.  For example, company stock in a retirement plan such as a 401(k) or profit-sharing plan may be subject to separate, more favorable, tax treatment than other investment choices in your retirement plan. 

Some retirement plans have a provision where participants who have attained the age of 59 1/2  are allowed more control and can seek investment options beyond those offered in the employer's retirement plan by requesting an in-service distribution/withdrawal".  It's termed "in-service" because you of the ability to make a distribution or perform a 401(k) rollover while still working.

While there no taxes or penalties owed on in-service distributions/withdrawals if rolled over to an IRA, there are other considerations you should understand before making this decision and Jones Wealth Management Group can help you make that determination.


Dividends that a stock pay are a portion of a company's profits that are paid to the owners (shareholders) of the company and typically are paid on a quarterly basis.  If one stock pays its dividend in January, April, July and October, and a second one pays its dividend in February, May, August, and November, and finally a third pays its dividend in March, June, September, and December, all twelve (12) months of the year are covered.  A portfolio comprised of only three (3) is hardly advisable, it takes only 3 stocks to receive a dividend payment each month of the year.

Bonds typically pay interest twice a year, at six month intervals.  As such, it takes six (6) bonds to generate interest payments for each of the twelve (12) months of the year.

Jones Wealth Management Group can structure a portfolio of government, corporate, tax-free municipal bonds, stocks, mutual funds or any combination of the aforementioned investment products in a manner that provides you monthly income for your retirement and non-retirement assets.


Life insurance is an important component for an any sound financial plan and wealth building strategy.   The focus may change from the sole purpose being well-being of their children to include the legacy that will be left for the grandchildren and generations to come.  What remains consistent is the need for life insurance.

A consideration for pre-retirees and retirees is whether they will have the ability to convert any employer-provided coverage into retirement.

Life experiences for pre-retirees and retirees may have resulted in greater involvement in charitable and philanthropic interests.  Life insurance enables pre-retirees and retirees to continue to be of benefit to those individuals and causes they cherish.

Jones Wealth Management Group can help you determine the appropriate amount of life insurance for your individual situation and has the ability to select from multiple carriers in providing the most value for you.

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