Financial Focus


Smart investment moves for newlyweds


June is a popular month for wed-


dings. If you’re getting married this month, you’ve got a lot on your mind, but after the honeymoon is over, it’s time to start thinking of the key activities of building a life together — one of which is creating a long-term investment strategy. To build such a strategy, you and


your spouse will need to take sever- al steps. Here are some of the most important ones: • Identify your goals. People can


enter marriage at different stages of life. But whether you’re a young newlywed or a baby boomer enter- ing a second marriage, both you and your spouse will have a set of goals you want to achieve, such as saving for a down payment on a home, saving for college for your children, building resources for a comfortable retirement, purchas- ing a vacation home, supporting charitable organizations and so on. It’s important that, as a couple, you identify those financial goals that are most important to you. • List your debts and assets. Gener- ally speaking, the fewer “surprises”


you and your spouse bring to a mar- riage, in terms of financial issues, the better. If you haven’t already done so, put your debts and assets “on the table” so you’re both aware of what you owe and what you own. Tis knowledge will be invaluable when you begin making the invest- ment moves necessary to achieve your goals. • Discuss your investment styles.


You and your spouse no doubt share many traits, but you will also have some differences — and one of those differences may be in your in- vestment styles and preferences. For example, you may be an aggressive investor, while your spouse might be more conservative. What you choose to do with those differences is up to you. You could, for exam- ple, arrive at some common ground between your two styles and use that approach in your joint invest- ment accounts. Ten, for your indi- vidual accounts, such as your IRA or 401(k), you and your spouse can follow your individual investment styles. • Start an emergency fund. Of all


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the investment-related moves you can make early in your marriage, none may be quite as important as building an emergency fund con- taining six to 12 months’ worth of living expenses in a liquid account. Without this emergency fund, you could quickly go into debt or be forced to dip into a long-term in- vestment if you have to meet an un- expected, and unexpectedly large, expense, such as a major car repair, a new appliance or a medical bill. • Get some help. If you can make


the right investment-related moves right from the beginning of your marriage, you’ll almost certainly make your lives easier. But invest- ing can be complicated, so you and your spouse could well benefit from getting assistance from a profes- sional financial advisor — someone who can help you create and main- tain an investment portfolio that’s appropriate for your specific goals, risk tolerance and time horizon. By making the right investment


moves, right from the start of your marriage, you and your spouse may be giving yourselves a “wed- ding gift” that may benefit you for years to come. So plan your moves carefully — and enjoy your lives together.


Tis article was written by Ed-


ward Jones for use by Bill Bough- ton, Weaverville’s local Edward Jones Financial Advisor.


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ON TRACK.


NO TIME LIKE THE PRESENT TO KEEP YOUR FUTURE


Lots of times, changes in life also affect your investments. That’s why there’s never been a better time to schedule your free portfolio review. We’ll talk about the changes in your life, and help you decide whether it makes sense to revise your investments because of them.


A portfolio review will help ensure your investments are keeping pace with your goals. Call your local financial advisor today.


Bill Boughton, AAMS®


Financial Advisor .


61 Weaver Boulevard Weaverville, NC 28787 828-645-0341


www.edwardjones.com Member SIPC


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