Edward Jones-Financial Advisor: Gina Betti, CFP, CHFC, AAMS

07/07/2026

Even with volatility from geopolitical risks and inflation pressures, disciplined investors have been rewarded with solid broad-based gains over the year. With a constructive global backdrop unfolding, we've refined our guidance to help set up for the second half of 2026, emphasizing diversification to help capture broadening opportunities.

Portfolio Strategist Tom Larm breaks it down in our Monthly Portfolio Brief.

https://bit.ly/4fnYeWh

07/01/2026

I recently graduated from the institute for Emerging Philanthropists through the Akron Community Foundation. It was an incredible journey and met so many great people and organizations along the way. I learned so much from my classmates and am very grateful for each of them.

My philanthropic mission is to help communities move from cycles of limitation to systems of opportunity, sustainability, and shared prosperity

05/27/2026

I understand how overwhelming it can feel in the wake of a job loss. Review these adjustments to your financial strategy that could help. I'm also happy to discuss how you may be able to prioritize your budget as you seek your next career opportunity.

404 Errorwww.edwardjones.com/us-en

04/28/2026

Life stage: Living in retirement
Risk: Incapacity and estate planning

According to retirees, the most common challenge they’ve faced is the loss of a loved one.5 Make sure your loved ones know your desire for care and final wishes through your estate and incapacity plans.

Review and update your wills, trusts, powers of attorney, health care directives and beneficiary designations on a regular basis, and appoint willing and able fiduciaries you trust to carry out your wishes if you’re not able to.

5 Edward Jones/Age Wave, Resilient Choices, 2023.

04/24/2026

Life stage: Living in retirement
Risk: Inflation

Long-term inflation is an important factor to consider. At just 3%, inflation can increase a grocery bill from $150 to over $350 in 30 years.

You can’t control inflation, but you can lower your personal inflation rate by choosing generic over name brands, for example. You can also fight inflation with your portfolio.

Although you’ll likely be investing more conservatively during retirement, you should generally still incorporate some growth investments in your portfolio. Growth investments can help retirees keep pace with inflation over time.

04/21/2026

Life stage: Nearing retirement
Risk: Longevity
When should you take Social Security? https://bit.ly/4sOcCdZ

Living longer than expected can be an enviable yet complex problem. Not only does it increase the chance you’ll outlive your portfolio, but you’ll also likely need to plan for more long-term care expenses.

You can help your retirement income endure by getting more of it from other sources. Delaying taking Social Security can bump up its payment. Additionally, an annuity with lifetime benefits might also help. For long-term care expenses, consider purchasing insurance,4 setting aside savings or using a combination of the two.

4 Edward Jones is a licensed insurance producer in all states and Washington, D.C., through Edward D. Jones & Co., L.P., and in California, New Mexico and Massachusetts through Edward Jones Insurance Agency of California, L.L.C.; Edward Jones Insurance Agency of New Mexico, L.L.C.; and Edward Jones Insurance Agency of Massachusetts, L.L.C. California Insurance License OC24309.

Social Security is a major part of your retirement. Review your options and view four things to consider before deciding when you should take Social Security.

04/17/2026

Life stage: Nearing retirement
Risk: Sequence of returns

A bad scenario is one in which you experience a bout of market volatility as you’re beginning to withdraw from your portfolio. In the following hypothetical scenario, the portfolio returns are the same, but the order in which they’re experienced is reversed. The early down-market years for portfolio B translated to more than 10% less than portfolio A after just six years.

You can’t control the markets, of course, but you can structure your portfolio to account for a potential downturn close to your retirement. As you’re shifting your investments to a more conservative mix for retirement, consider a CD ladder to provide the first few years of income in retirement. This can also help act as a buffer for your portfolio to recover.2

This chart compares how two portfolios—each starting with a value of $500,000—perform over six years under different sequences of annual returns. Portfolio A begins with several strong positive years before encountering negative returns, while Portfolio B experiences early losses before later gains. After six years, Portfolio A grows to $511,000, while Portfolio B ends at $454,000.

Source: Edward Jones. Hypothetical example is for illustrative purposes only and does not reflect the performance of a specific investment. Example assumes a starting withdrawal of $20,000 increased by 3% each year for inflation. “Ending portfolio value” rounded.

2 CD ladders aren’t for everyone, so work with your financial advisor to see if one aligns with your investment objectives, risk tolerance and financial circumstances.

04/14/2026

Life stage: Nearing retirement
Risk: Unplanned retirement

According to a survey, almost one in three retirees retired earlier than anticipated. The most common reasons were to care for a loved one, layoffs and injuries.1 Regardless of the reason, the result can leave you with more time to live on less savings and potentially more expenses you’ll need to cover.

Instead of worrying about an early retirement, plan for it. In addition to an emergency fund and disability insurance, develop a backup plan where you identify expenses you can live without to help offset the effects of an early retirement.

1 Edward Jones/Age Wave, Resilient Choices, 2023.

04/10/2026

Life stage: Nearing retirement
Risk: Premature death or disability

Some risks can be upsetting just to think about. The emotional toll of an untimely loss or injury is hard enough without the financial toll to exacerbate it. These risks are rare, but they can be severe financially.

Consider a life insurance policy with enough coverage to pay off liabilities, replace lost income, provide for caregiving and cover final expenses.

Reach out to me to discuss the right life insurance option for you.

04/07/2026

Life stage: Nearing retirement
Risk: Unexpected expense or emergency

Unexpected expenses can occur at any time. These can impact your retirement savings if you need to pause contributing to your retirement account or, worse, withdraw money from it.

You’ll want to create an emergency fund of three to six months’ worth of living expenses to cover unexpected events and provide a buffer.

Here's Edward Jones tips to build your emergency fund:

Tips on how much to save