Edward Jones - Financial Advisor: Monica Loeffelholz McGauley

Edward Jones - Financial Advisor: Monica Loeffelholz McGauley Edward Jones is a financial- services firm dedicated to serving the needs of individual investors. Member SIPC.

I'm a financial advisor with Edward Jones, a financial-services firm dedicated to serving the needs of individual investors. With nearly 14,000 financial advisors serving nearly 7 million investors, our firm has been built on the belief that the only way to do business is on a one-on-one, personal basis. We do that by getting to know you, understanding your goals, and developing individualized str

ategies to help you reach them. My branch office administrator, Crystal Krueger, and I work as a team to give you the personal service you deserve when it comes to planning for your financial future. Please call or stop by my office, or visit www.edwardjones.com/monica-mcgauley for more information.
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After beginning the year with markets pricing in multiple rate cuts, a sharply accelerating labor market and energy-driv...
06/08/2026

After beginning the year with markets pricing in multiple rate cuts, a sharply accelerating labor market and energy-driven inflation have meaningfully shifted the outlook toward potential policy tightening — creating a more complex backdrop for equities and fixed income alike. Senior Economist James McCann explains what this could mean for investors in our Weekly Market Wrap.

https://bit.ly/4xfyqT5

As investors look beyond Middle East tensions, U.S. economic fundamentals are coming into sharper focus, driven by an ac...
06/01/2026

As investors look beyond Middle East tensions, U.S. economic fundamentals are coming into sharper focus, driven by an accelerating AI investment and robust corporate profit growth, reinforcing the constructive case for equities. However, elevated inflation may keep rate cuts off the table and limit near-term progress in bond markets.

Senior Economist James McCann explains what this could mean for investors in our Weekly Market Wrap.

https://bit.ly/4uKe6b6

Bond yields have moved back toward multi-year highs, raising important questions about whether equities can sustain thei...
05/26/2026

Bond yields have moved back toward multi-year highs, raising important questions about whether equities can sustain their recent momentum. Senior Global Investment Strategist Angelo Kourkafas provides insights into why yields are rising, why today’s inflation backdrop differs from 2022, and what higher rates may mean for portfolios in the latest Weekly Market Wrap.

https://bit.ly/430JGVJ

As markets push toward new highs, many investors may be wondering whether it’s time to “sell in May.” Senior Investment ...
05/18/2026

As markets push toward new highs, many investors may be wondering whether it’s time to “sell in May.” Senior Investment Strategist Mona Mahajan explains why fundamentals and staying invested still matter more than seasonality in our Weekly Market Wrap.

https://bit.ly/4dsysOr

Four estate planning myths that could cost your familyConsider this scenario: A teacher of 30 years and mother of three ...
05/11/2026

Four estate planning myths that could cost your family

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 when to sell the house and considering who gets their grandmother's ring.

This mom wasn't wealthy by most measures, but her lack of planning created confusion, conflict and uncertainty at a time when her family needed clarity. Estate planning is about easing conflict and making sure what you have goes where you want it to go.

Myth 1: Estate planning is only for wealthy people.
Without a plan, your state's laws will decide how your estate is handled, and you may not like what those laws say.

Myth 2: Having a will is all you need.
While a will is important, it only takes effect after death. The foundation of most estate plans includes a will (which directs asset distribution), a financial power of attorney (for financial decisions),a health care power of attorney (for medical decisions), and a medical directive (to share your end of life wishes). While not everyone needs a trust, there are several that allow you to make special provisions, such as for minor children, a special needs family member or even a cherished pet.

Myth 3: Equal distribution is always fair.
You may have one child who’s extremely successful financially while another is struggling. Or you may have assets, such as a house or ownership of a family business, that are more suitable for one beneficiary than another. It's important to consider any unique circumstances as you develop your estate plan.

Myth 4: I can set it and forget it.
You'll want to review your estate plan every few years or when a major life event occurs. Life is full of changes, such as marriages, divorces, new children and relocations, and they will likely impact your goals.

Ultimately, estate planning is about helping ensure your voice is heard and your loved ones cared for, no matter what the future holds.

This article was written by Edward Jones for use by
Monica McGauley, CFP®, AAMS™
Financial Advisor at Edward Jones, Member SIPC

Despite ongoing geopolitical noise, markets have increasingly refocused on underlying fundamentals. Strong corporate ear...
05/11/2026

Despite ongoing geopolitical noise, markets have increasingly refocused on underlying fundamentals. Strong corporate earnings, a resilient economy and solid labor market data have helped drive equities to new record highs.

Senior Economist James McCann outlines three key trends to watch in the latest Weekly Market Wrap.

https://bit.ly/4twWHBg

Whether you’re evaluating shifting roles or exploring a different path, your financial strategy should evolve with you. ...
05/07/2026

Whether you’re evaluating shifting roles or exploring a different path, your financial strategy should evolve with you. I’m here to help you see the full picture, from compensation and benefits to long-term planning. Together, we can build a plan that helps you feel confident about your future.

Nurses Day is celebrated today and honors the tireless contributions of nurses throughout history and marks the beginnin...
05/06/2026

Nurses Day is celebrated today and honors the tireless contributions of nurses throughout history and marks the beginning of National Nurses Week, which ends on May 12th, the birthday of Florence Nightingale.

Thank you for all you do! Check out free nurse week giveaways just for you!
https://nurse.org/articles/free-nurse-week-giveaways/

Which retirement plan is right for your business?If you’re a local business owner, a workplace retirement plan can be a ...
05/05/2026

Which retirement plan is right for your business?

If you’re a local business owner, a workplace retirement plan can be a powerful tool – helping you manage taxes, strengthen employee retention and build personal financial security. The key is understanding which plans work best for different kinds of businesses:

Self-employed individuals or businesses without employees.
Three commonly used retirement plans:

1. Simplified employee pension (SEP) plans are relatively straightforward, low-maintenance, lower-cost and flexible on how much you contribute each year.

2. Owner-only 401(k) plans are ideal if you’re willing to accept additional cost and complexity in exchange for benefits like higher contribution limits and borrowing options.

3. Owner‑only defined benefit plans work best for owners with high, steady income who want to maximize their retirement contributions and guaranteed retirement income. These plans come with required annual funding and greater administrative complexity.

Businesses with employees can also consider an SEP plan, although it only allows for employer contributions. Other plan options include:

1. The SIMPLE IRA (savings incentive match plan for employees) can work well for companies with 100 or fewer employees seeking a low-maintenance option. Employer contributions are required, and it has lower contribution limits compared to other plan types.

2. Traditional 401(k) plans offer maximum flexibility by allowing both employee salary deferrals and employer contributions that can be adjusted based on business performance. These plans have added costs and administrative responsibilities.

3. Safe harbor 401(k) plans are ideal if you want to maximize your own retirement contributions without complex testing requirements and you’re willing to make required employer contributions.

4. A cash balance plan is often paired with another plan type, such as a 401(k), to allow greater retirement savings. It works well when you have a smaller company with high-earning employees and consistent cash flow, and you’re comfortable making required contributions.

Each plan type involves different eligibility requirements, establishment deadlines, contribution limits, complexity and costs. In determining a workplace retirement plan that's right for your business, you'll want to consider your number of employees, desired contribution levels, comfort with required employer contributions and willingness to handle administrative responsibilities. And, of course, the goals for your business and your own retirement are important criteria. With professional guidance, you can find a plan that helps everyone build financial security while positioning your business for continued success.

This article was written by Edward Jones for use by
Monica McGauley, CFP®, AAMS™
920-392-5181
Financial Advisor at Edward Jones, Member SIPC

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