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You’re Not Just Another Account Number.


And We’re Not Just Another Investment Firm.


We’ve always believed our personalized approach made sense for our clients – and they agreed. Edward Jones ranked “Highest in Investor Satisfaction with Full Service Brokerage Firms, Two Years in a Row,” according to the J.D. Power and Associates 2009 and 2010 U.S. Full Service Investor Satisfaction StudiesSM


.


But investing is about more than numbers and rankings – it’s about you.


Edward Jones received the highest numerical score among full service brokerage firms in the proprietary J.D. Power and Associates 2009–2010 Full Service Investor Satisfaction StudiesSM


. 2010 study based on


responses from 4,460 investors measuring 12 investment firms and measures opinions of investors who used full-service investment institutions. Proprietary study results are based on experiences and perceptions of consumers surveyed in May 2010. Your experiences may vary. Visit jdpower.com.


To learn how we can help make sense of investing for you, contact your local Edward Jones financial advisor today.


Bill Boughton, AAMS® Financial Advisor


.


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


658-8989 Dr. Ted Wright


Use ‘open enrollment’ to help meet financial goals


November is a popular month for


“open enrollment” — that time when you can choose from the options of- fered in your employer’s benefits package. By making the right moves in some key areas — such as your 401(k) and life insurance — you can help protect your family and boost your progress toward your long-term financial goals. Let’s consider your 401(k) first. If


you haven’t taken part in your 401(k) plan, you need to review the benefits of this excellent retirement-savings vehicle. First, you contribute pre-tax dollars to your 401(k), so the more you put in, the lower your adjusted gross income — and the lower your annual tax bill. Also, your 401(k) earnings ac- cumulate on a tax-deferred basis. So, if you’re not already invest-


ing in your 401(k), now is the time to get started. And if you’ve already been putting money in your 401(k), you may want to use the open enroll- ment period to increase your contri- butions or to rebalance your invest- ment choices in response to changes in investment performance or in your goals or risk tolerance. During open enrollment, you’ll


also want to look at your insurance choices. Your employer may offer a certain amount of life insurance, and possibly disability insurance, at no cost. Clearly, this coverage can be beneficial — but is it enough to meet your family’s needs? To answer this question, you’ll


need to review at least three key areas of your family’s finances:


• Debts — Try to calculate your


overall debt load — mortgage, car payments, credit cards and so on. • Education — If you are planning


on helping your children pay for col- lege, try to estimate these costs. Keep in mind the considerable differences in expenses between colleges: public versus private and in-state versus out- of-state. Keep in mind that college costs have been rising faster than the overall cost of living. • Income replacement — Try to


determine about how much of your income would need to be replaced for your family to maintain its current lifestyle. Once you’ve made these types of


calculations, you’ll be in a better posi- tion to know if the life and disability coverage offered by your employer is sufficient to meet your needs. You


might be able to purchase additional insurance through your employer, but even this coverage may not be enough. You may also find other advan-


tages to individually owned insur- ance, such as portability — you can take your policy with you, no matter where you work — and affordability — you may find that some policies, particularly term life insurance, may be less costly than the supplemental insurance you could purchase from your employer. So, review both your insurance


situation and your 401(k) plan during the open enrollment calendar.


Tis article was written by Ed-


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


Bomb threat cont... Continued from page 1


an exterior search. Te State Bureau of Investigations and the Waynesville Police Department conducted an in- terior search with their K-9 units and found no suspicious devices. Law enforcement helped evacuate


employees from the 40,000 square- foot building on Aiken Road. “It is important for our citizens,


and those who work in, or visit Weav- erville to know that a full investiga- tion by the Weaverville Police De- partment determined that the Oct.


Seniors www.edwardjones.com Member SIPC


Breaking News is just a click away at www.weavervilletribune.com


28 THE TRIBUNE/LEADER - November 11 - November 17, 2010


enroll in the best plan for you!


We can help you compare and


26 bomb threat at Termo Fisher was not connected to any foreign or domestic terrorist activity. Te man- agement of Termo did an outstand- ing job, they cooperated fully with us and our investigation, they are to be commended for the dedication and commitment to the safety of their employees,” stated Chief Greg Ste- phens of the Weaverville Police De- partment. Stephens thanked the other re-


sponding agencies for their assis- tance.


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