Financial Focus – Joshua Wolinski
Submitted by Joshua Wolinski,Edward Jones Financial Advisor Feeling financially fulfilled means so much more than just the number in your bank account. It’s about being able to take your family out to dinner without calculating whether you can afford it. It means sleeping soundly on a Sunday night, knowing that if the water heater gives…
Donor-advised funds: A smart way to give Submitted by Joshua Wolinski,Edward Jones Financial Advisor While there are many ways to make charitable gifts, a donor-advised fund (DAF) offers multiple tax benefits and an efficient platform for ongoing giving. Once you open a DAF, you can contribute many types of assets, including cash, publicly traded stocks,…
The Hidden Danger of Investing Too Cautiously Submitted by Joshua Wolinski, Edward Jones Financial Advisor One of the most significant risks investors face isn’t losing money in a market dip; it’s failing to reach their long-term financial goals. Many people focus heavily on short-term losses in the stock market and try to protect their savings…
Submitted by Joshua Wolinski,Edward Jones Financial Advisor Your smartphone buzzes with an alert: Your budgeting app has spotted an unusual spending pattern and suggests transferring $50 from your savings account to your checking account. Later that day, a robo-advisor automatically rebalances your investment portfolio. Welcome to the age of artificial intelligence (AI) in personal finance,…
Submitted by Joshua Wolinski,Edward Jones Financial Advisor Saving for retirement is important, but it’s only part of the picture. If you’re within five to 10 years of your target retirement date, it’s time to start thinking about what you actually want your retirement to look like. After all, getting to retirement isn’t the end goal…
Submitted by Joshua Wolinski,Edward Jones Financial Advisor Consider this scenario: A teacher of 30 years and mother of three passes away at age 58. She leaves behind a modest home, a retirement account and cherished family heirlooms – but no estate plan. Her children, still grieving, find themselves navigating a confusing probate process, disagreeing about…
Submitted by Joshua Wolinski, Edward Jones Financial Advisor There’s a growing trend of divorce among those ages 50 and older, often called “gray divorce.” While finding yourself in this situation can feel overwhelming, it also can be an opportunity to reclaim your independence and create a life that reflects your dreams and values. Today, one-third…
Submitted by Joshua Wolinski, Edward Jones Financial Advisor If you’re a local business owner, you’re juggling many priorities: growing revenue, managing expenses, supporting your team and planning for your own future. What if one tool could help with all these goals? A workplace retirement plan might be that solution and can, directly or indirectly, offer benefits…
Submitted by Joshua Wolinski,Edward Jones Financial Advisor The new year brings more than resolutions and fresh starts; it also ushers in several tax changes that could affect your wallet. Whether you’re saving for retirement, funding your child’s education or supporting your favorite charity, here’s are a few things you need to know about the tax…
New Year’s financial resolutions: Making them stick Submitted by Joshua Wolinski, Edward Jones Financial Advisor As the calendar flips to a new year, millions of Americans pledge to improve their financial lives. But without a concrete plan, those well-intentioned resolutions often fade quickly. Financial goals consistently top the list of New Year’s resolutions. A 2025…