Derek Gray Financial Advisor at Edward Jones

10/16/2026

If you’re a high-income earner, you may not be eligible to contribute to a Roth IRA. Luckily, there’s a strategy that can help you gain the tax advantages offered by a Roth IRA. Here’s what you should know about this valuable strategy.

A Backdoor Roth IRA can help you realize the tax benefits of a Roth IRA, even if your income exceeds the earnings ceiling for Roth contributions.

10/14/2026

Today's investment decisions fuel independence to retire when you want to. We'll help you prepare for Financial Fitness in Retirement.

Today's investment decisions fuel independence to retire when you want to

10/08/2026

Let's start the conversation today, perhaps over a cup of coffee (in person or virtually). We can help you begin planning for later, now.
Derek Gray - Financial Advisor - Edward Jones
419.547.3500

10/06/2026

What would happen if you had to retire sooner than expected?

Many people focus on their target retirement date but spend less time preparing for the possibility of an earlier exit due to a job loss, health issue or family caregiving needs.

If you'd like to explore how your retirement strategy would hold up under an unexpected scenario, let's talk. Planning for the "what-ifs" today can help reduce stress tomorrow.

Concerned about a forced retirement? 4 tips to prepare

09/29/2026

With all the different types of retirement accounts available, it can be difficult to know which one is right for you. But having more than one type of retirement account could actually help you achieve your retirement goals faster. Here’s what you should know about two effective retirement accounts—an IRA and 401(k).

Benefits to having both

09/29/2026

Changing Jobs? Retiring? Or just getting started?
Let's discuss further. Give me a call.
419.547.3500

Financial service

09/25/2026

If you'll soon retire, or recently have, market volatility may feel especially unsettling. And that’s understandable because at this point in your life, market downturns can have an outsized impact on your financial security.

That’s why now is a good time to stress-test your retirement income.

First, start by confirming how much you rely on your portfolio for income and how a market drop may affect your short-term needs.

Then consider whether you have enough in an emergency fund to help you through. Three to six months’ worth of essential expenses is a standard rule of thumb.

And think about where you could adjust your spending, and if you need to reduce your exposure to riskier assets such as stocks.

If you’d like help stress-testing your retirement income plan, I can help you evaluate your options and stay focused on your long-term goals, even when the markets are anything but steady.

Content provided by Edward Jones

09/23/2026

Changed jobs recently? Thinking about retirement? Experiencing a major life change?
These moments often create financial decisions that can affect your long term goals.

If you'd like a second opinion or simply want to talk through your options, give me a call.
419.547.3500

09/18/2026

Have CD's coming due soon or have cash sitting on the sidelines?
Check out our CD Rates as of 9/18/26.
Give me a call!
Derek Gray - Edward Jones Financial Advisor
419.547.3500

09/17/2026

Retirement planning isn't just about saving. It's about knowing what you're saving for. If you're within 5–10 years of retirement, these five questions are worth considering:

- When do you want to retire?
- How do you want to spend your days?
- Where do you want to live?
- What will your lifestyle cost?
- Does your plan include giving back?

Your answers are just the starting point. The next step is aligning them with a financial strategy built around the life you actually want. Ready to get started? Let’s talk.



Content provided by Edward Jones