Financial Focus Consider Some New Year's Financial Resolutions At a minimum, put in enough to earn your As the year winds down, you may want to fund can help you avoid dipping in to your long-term investments to pay for unexpected costs, such as a major car repair look ahead to see which areas of your life you employer's matching conbuon, if one is can improve in 2019. Perhaps you'll decide to offered exercise more, eat healthier foods, reconnect with old friends or volunteer at a schoolo ou have a 401(k) or similar plan, you can p your debts under control. Ultimately, the charitable organization. All these goals are certainly worthwhile but you also may wan you can put in up to $6,000 in a tradia more vyou can invest for your future . Try to "max out" on your IRA. Even if . Control your debts. Do what you can to probably s nvest in an IRA. For 2019 less you have to spend on debt payments, the to add some New Years financial resolutions or Roth IRA (up from $5,500 in 2018), or .Don't overreact to financial market to your list $7000 (up from $6,500) if you're 50 or older volatility. In 2018 especially the last few ure 50 or olderDon't Here are a few ideas to consider (Income restrictions apply to Roth IRAs.) Contributions to a traditional IRA tax months of the year we saw considerable Boost contributions to your employer sponsored retirement plan. Good news! Contribution limits will be increasing for many employer-sponsored retirement plans. may be taxmarket volatility, with huge drops and bi deductible, depending on your income, and any earnings growth is tax-deferred. Roth IRA sins in rapid succession. What will 2019 contributions are not deductible, but earnings For 2019, you can contribute up to $19,000 growth can be withdrawn tax-free, provided (up from $18,500 in 2018), or $25,000 (up you don't start taking withdrawals until you from $24,500 in 2018) if you're 50 or older are 59% and you've had your account at to your 401(k) or similar employer-sponsored retirement plan. It's usually a good idea to investments - stocks, bonds, mutual funds, psing an investment strategy thats bring? It's always difficult and usually futile t the market's performance over the course of an entire year. But, in any case, try not to overreact to whatever ups and downs we may experience, Instead, continue least five years. You can put most types of contribute as much as you can afford to your employer's plan, as your contributions may lower your taxable income, while any earnings growth is tax-deferred. (Keep in mind that taxes are due upon withdrawal, and withdrawals prior to age 59½ may be subject to a 10% IRS penalty.) government securities and so on into an RA, so it can expand your options beyond ose offered in your 401(k) or similar plan . Build an emergency fund. Try to build ppropriate for your goals, risk tolerance andd time horizon. become a better investor in 2019 and . Fowing these suggestions can help you an emergency fund containing three to sixbeyond months' worth of living expenses, with the This article was written by Edward Jones for money held in a low-risk, liquid account. This use by your local Edward Jones Financial Advisor Edward Jones Sean P. Asiala AAMS Michael C. Caley AAMS Edward Jones Edward Jones Edward Jones ardJ Edward Jones Shawn Wall Pam Covington AAMS Tod Heisler AAMS 030 Pointe Invemess Way, 7525 West Jefferson Bld Fort Wayme. IN 46804 329 West Jetterson Bivd Fort Weyne IN 85804 4413 ois Rd Ste E Font Wayre, IN 46814 110 Bon Rd Ste 10 Fort Wayne, IN 46809 Fort Wayne. IN 46809 478-8038 Making Sense of Investing Making Sense of Investing Making Sense of Iinvesting Making Sense of InvestingMaking Sense of Investing Fort Wayne, I 48814 Fort Wryne, IN 46854 432-3613 747-5411 Making Sense of Investing Making Sense of Investing Making Sense of Investing