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Jones Wealth Management Group helps savers and investors continue to build, manage, and preserve their wealth as they start or continue the transition from being an emerging saver and investor to being a traditional saver and investor.  As career advancement may have resulted in greater earnings and income, savers and investors are often faced with the challenge of caring for children and parents.


Stocks (equities), bonds (fixed income), and cash are considered asset classes and the act of placing a particular percentage of your assets in each category is known as asset allocation.  Just as important as asset allocation is asset location.  Asset location is strategically placing the various asset classes (stock, bonds, and cash) in the most advantageous type of  investment account.  Investment accounts can be taxable, tax-deferred, or tax-free.

The earnings (interest) on certain fixed-income investments (bonds) may be subject to a tax rate as high as 39.6%, while earnings on certain equity-oriented investments (stocks) have a maximum tax rate of 20%, creating a difference that can be as great as 19.6% (39.6% - 20%).


A complimentary portfolio review can help determine if your portfolio is structured in a way that capitalizes on the difference in tax treatment for taxable, tax-deferred, and tax-free accounts. At Jones Wealth Management Group, we understand the advantages and disadvantages of the various investment accounts and can help structure your assets in a manner most beneficial for your situation.


Employer-sponsored retirement plans come in the variety of names.  If you are employed in the private or corporate sector, the profit sharing and/or 401(k) plan are the most common plans offered.  In the non-profit sector, employers may offer a 403(b) and/or 401(k) plan.  In the state, county, or municipal sector, a plan called a 457 plan, commonly referred to as a deferred comp plan, or 403(b) may be available to employees.  Federal government employees may participate in the Thrift Savings Plan (TSP).  All of these plans are further classified as defined contribution plans.

In addition to defined contribution plans, there is also an employer-sponsored plan known as a defined benefit plan. Pension plans are the most widely-known type of defined benefit plan.

As a saver and investor, Jones Wealth Management Group can assist you in determining how to maximize the benefit of participation in your company's retirement plan, whether it is a defined contribution plan or a defined benefit plan.


Mutual funds have brought the benefit of stock and bond ownership to the masses.  A mutual fund is an investment company that pools money from thousands of investors and invests in stocks or bonds, or a combination of both, for the benefit of the individual shareholders.  An individual or team of people called portfolio managers are responsible for the buying and selling of stocks and bonds and other other securities on the behalf of investors.

There literally are thousands of companies that are publicly-traded - meaning that anyone can own stock in them.  Smaller investors would normally be limited in the number of individual stocks they could own, have limited diversification and greater exposure to the ups and downs of an individual stock.  A typical mutual fund would own twenty-five (25) to five hundred (500) or more securities (stocks and/or bonds), giving smaller investors exposure to a greater number of companies.

Jones Wealth Management Group will explain the risks and rewards, fees and expenses of mutual fund ownership and help you determine if mutual funds should be a part of your wealth building strategy.


As a saver and investor, life insurance takes on a different role than for emerging savers and investors.  Savers and investor often have the dual responsibility of caring simultaneously for their children and their parents.

As savers and investors transition from being emerging savers and investors, they are met with higher insurance rates. Some of this reality can be explained by the fact that many health ailments and conditions develop as we grow older in age.  

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.

Need more details? Contact us

We are here to assist. Contact us by phone, email or via our Social Media channels.

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