Page 11 - Jupiter Ocean Mile - March '23

Jupiter Ocean Mile, Page 11

Financial Focus Nurturing

Should Investors “Go It Alone”? Having a financial professional help you gain a clear Creativity In
idea of your retirement income picture can certainly be
By Sally Sima Stahl reassuring. But there may be other reasons why “going it Dyslexics
If you’re going to enjoy a alone” as an investor might not be desirable.
comfortable retirement, you For example, when the financial markets are down, as was
should know, among other the case for much of 2022, some investors make decisions By Jim Forgan, Ph.D.,
things, how much money based on short-term volatility, such as selling investments to School Psychologist
you’ll need. And you may “cut their losses,” even if these same investments still have All children need to
have a much better chance solid business fundamentals and good prospects for growth. believe they excel at some
of knowing this if you get But if you work with a financial professional, you might area in their life because
some professional help. decide to stick with these investments, especially if they’re this helps develop our self-
Consider these findings still appropriate for your long-term strategy. Other times, of esteem and healthy self-
from a 2021 study by course, the advice may be different – but it will always be esteem advances success
Dalbar, a financial services advice based on your goals, needs and time horizon. in life. Self-esteem is
market research firm: Furthermore, if you’re investing on your own, you developed by combining
• Investors who worked with a financial advisor were three may always be measuring your results against the major our internal beliefs with our
times more likely to estimate what they would have saved at market indexes, such as the S&P 500 or the Dow Jones external feedback. Thus, our
retirement than “do-it-yourself” investors. Industrial Average. But in reality, your portfolio should self-esteem is a combination of how we view ourselves and
• More than two-thirds of investors with a financial contain a wide range of investments, some of which aren’t how we believe others view us.
advisor were satisfied with the amount they would have contained in these indexes, so you might not be assessing We want your child with dyslexia to develop healthy
saved at retirement, compared to about 27 percent of the do- your performance appropriately. A financial professional can self-esteem and feel good about him or herself. So, in what
it-yourselfers. help you develop your own, more meaningful benchmarks area does your child excel? Although it might be academic
How do financial professionals help their clients in these that can show the progress you’re actually making toward related, it might not. Perhaps your child believes she is
ways? your goals. talented at mathematics. Other kids might believe they are
First, consider the issue of determining how much In some areas of life, going it alone can be exciting – but science experts with a deep knowledge of space or fossils.
money will be needed for retirement. It’s not always easy when it comes to investing for your future, you may benefit Your child’s natural talent might be athletics and being a fast
for individuals to estimate this amount. But financial from some company on the journey. runner, best basketball free thrower, dancer, or figure skater.
professionals can help clients like you arrive at this figure This article was written by Edward Jones for use by Does your child have an innate musical ability? Recognize
by exploring your hopes and goals. How long do you plan to your local Edward Jones Financial Advisor, Edward Jones, and reinforce your child’s strength area.
work? What kind of lifestyle do you anticipate enjoying in Member SIPC. If you need ideas consider reading, The Dyslexia
retirement? Where would you like to live? How much would Edward Jones is a licensed insurance producer in all states Empowerment Plan: A Blueprint for Renewing Your
you like to travel? Are you open to pursuing earned income and Washington, D.C., through Edward D. Jones & Co., L.P., Child’s Confidence and Love of Learning. Author Ben Foss
opportunities, such as consulting or working part-time? and in California, New Mexico and Massachusetts through describes his own struggles with dyslexia and provides you
Next comes the other key question: How much money will Edward Jones Insurance Agency of California, L.L.C.; with a new perspective that remediation of what is broken
be available for retirement? This big question leads to many Edward Jones Insurance Agency of New Mexico, L.L.C.; and in your child is not the ultimate goal. He explains, “There
others: How much do you need to save and invest each year Edward Jones Insurance Agency of Massachusetts, L.L.C. are specific attitudes and habits that will have a huge impact
until you retire? About what sort of investment return will Edward Jones, its employees and financial advisors on whether your child will be able to apply her strengths at
you need to reach your retirement income goals? What level cannot provide tax advice. You should consult your qualified school and beyond.”
of risk are you willing to take to achieve that return? What is tax advisor regarding your situation. Since children develop at different rates you can
the role of other income sources such as Social Security or Contact us at (561) 748-7600, Sally Sima Stahl, AAMS, provide your child with opportunities to sample various
any pensions you might have? 1851 W. Indiantown Road, Ste. 106, Jupiter, FL 33458. activities, athletics, arts, and hobbies to gauge their
interest and talents. Some activities will be tried and
shelved while others might continue to develop and be
refined throughout adolescence. It’s often our natural
strengths that carry us through in life and shape our career
choices. Your child is smart in many ways so help other
family members and teachers understand your child’s
natural assets. Someone has to recognize your child’s
gifts and we hope it’s you.
Call to discuss your child as we test children ages 5.5
through college for dyslexia, learning disabilities, ADHD,
Jupiter Beach Specialists depression, anxiety, and other processing disorders. Visit
JimForgan.com or call (561) 625-4125.

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