Financial Focus – Joshua Wolinski
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…
Generosity meets strategy with tax-savvy donations Submitted by Joshua Wolinski, Edward Jones Financial Advisor Giving to charity feels good, but understanding the tax benefits can benefit both the charity and you. Whether you donate regularly or are planning your first gift, knowing how charitable tax deductions work can help you make informed decisions while supporting…
Smart financial moves to make before year-end Submitted by Joshua Wolinski, Edward Jones Financial Advisor When you plan a trip, you consider not only the destination but also the climate, activities that interest you, transportation needs, anticipated costs, best time to go and coverage for your work, home or pets. It’s a holistic approach—looking at…