For more information about the author, click to view their website: Edward Jones
With
the presidential election just a few weeks away, the public is naturally
interested in not just the outcome but what the results will mean for issues of
national importance. As a citizen, you likely share these concerns — but how
about as an investor? After the votes are counted — or even before — should you
make some moves in anticipation of possible changes in policy?
Let’s look at the big picture first, through
the lens of history. The financial markets have performed well — and at times,
not so well — under Democratic and Republican presidents alike. And the same is
true about which party controlled Congress.
While it might be an overstatement to say that
decisions made in Washington have no effect on the markets, it’s not always so
easy to draw a direct line between what happens there and how the markets
perform. For one thing, political candidates often make promises that are not
fulfilled, or, if they are, have different results than intended. Also, other
institutions can have a significant impact on the markets. For example, the
Federal Reserve, which controls short-term interest rates, can certainly affect
many market sectors. And there will always be external events, such as foreign
conflicts and even natural disasters, that can make short-term impacts on the
investment world.
So, rather than making changes to your
portfolio in anticipation of what might happen if certain candidates get
elected, or even in response to actual policy changes, look to other factors to
drive your investment decisions.
These factors should include the following:
• Your goals – You probably have short-
and long-term goals you’d like to achieve. For your short-term goals, such as a
wedding, a down payment on a house or a long vacation, you may want to invest
in instruments that provide stability of principal. For your long-term goals,
most important of which may be a comfortable retirement, you'll need to own a
reasonable number of growth-oriented investments.
• Your risk tolerance – When
you build and maintain your investment portfolio, you'll need to accommodate
your individual risk tolerance. All investments carry some type of risk, but
you need to be comfortable with the overall risk level of your investments.
• Your time horizon – Where
you are in life is an important consideration when investing. When you are
young and just starting out in your career, you may be able to focus more on
growth, as you have time to overcome the inevitable short-term market
downturns. But as you near retirement, you may want to consolidate any gains
you may have achieved, and lower your risk level, by moving your portfolio
toward a somewhat more conservative approach. Even in retirement, though, you
will need some growth potential to stay ahead of inflation.
• Your needs for liquidity –
As you invest, you’ll need to maintain an adequate amount of cash and cash
equivalents in your holdings. Without this liquidity, you might be forced to
sell long-term investments in case you have unexpected expenses.
In any case, when it comes to
investing, you may want to pay less attention to what names are on the ballot —
and instead “vote” for the longer-term strategies that reflect your needs and
goals.
Chad
Choate III, AAMS
828
3rd Avenue West
Bradenton, FL
34205
chad.chaote@edwardjones.com
This article was written by Edward Jones for
use by your local Edward Jones Financial Advisor.
Article Planning Ahead with Peace of Mind When it comes to planning for lifes inevitable moments, many of us put it off. But the team at WashburnMcReavy Funeral Chapels offers a compassionate and practical approach that makes the process less daunting and more empoweringthrough their Plan Ahead program.The Purpose & PromiseOn their Plan Ahead page, Washburn-McReavy invites individuals to plan for peace of mind by making your funeral or cemetery service decisions now, rather than leaving them to your loved ones later. The premise is simple but profound: by pre-planning, you free your family from guesswork during an emotional time, and you specify how you wish to be honored. Why Pre-Planning Makes SenseThe Why Pre-Plan section spells out the benefits very clearly: It helps your family during a difficult time by reducing confusion and burden. It gives you control over how your service and memorial are designedmusic, readings, memorialsso they truly reflect you. It offers potential financial advantages: locking in costs, relieving your family of sudden expenses. In short, it transforms what might be a crisis moment into a more intentional, dignified occasion. How to Start the ConversationRecognizing that planning your own funeral or memorial is a heavy topic, Washburn-McReavy provides thoughtful tools and guidance to help begin the discussion with family or plan on your own. They offer: Online planning options (Plan Online Today) for convenience and flexibility. One-onone consultations with advisors if youd prefer personal guidance. Seminars covering topics such as burial vs. cremation, veteran benefits, asset protection, and more. Frequently Asked Questions & SupportThe page also links to FAQshelping demystify the process (What does pre-arrangement mean? Will my choices change later?) and supporting families and individuals through grief and healing. Their overall message: you dont have to face this alone, and taking action now is an act of care for yourself and those you love.Why It Matters for A Senior AudienceFor readers of the Seniors Blue Book, the relevance is unmistakable. Seniorsand their adult childrenface decisions about legacy, memorials, and final arrangements. Engaging in pre-planning: Ensures that your wishes are clearly communicated and honored. Gives peace of mind to both you and your family. Proactively addresses what might otherwise be a stressful, last-minute decision. Potentially reduces the financial burden for your loved ones. Final Thoughts Planning ahead with a trusted provider like Washburn-McReavy isnt about being morbidits about taking care of the ones you love by making thoughtful choices today. Its about living fully, knowing youve taken steps to ease what will come later. As the page succinctly puts it: With a plan the day will be exactly as you imagine it. All your wishes. All with ease.
Windows Senior Real Estate Services: Coldwell Banker Plains Supports Confident Downsizing DecisionsWindsor Senior Real Estate Services: Coldwell Banker Plains Supports Confident Downsizing DecisionsReal estate decisions become more meaningful as people age. Whether downsizing, relocating to be closer to family, or transitioning into senior living, the process is far more than a financial transactionits a life transition filled with memories, emotions, and big decisions. In Windsor, one of Northern Colorados most welcoming and fast-growing communities, seniors need a trusted real estate partner who understands their unique priorities. Coldwell Banker Plains has become that steady guide.Windsor is known for its friendly neighborhoods, scenic lake views, small-town charm, and easy access to nearby cities like Fort Collins, Loveland, and Greeley. Its a wonderful place for older adults who want both comfort and convenience. Seniors often want to stay connected to the community they love, even if that means making changes to their living arrangements. Coldwell Banker Plains helps them navigate that transition with confidence, clarity, and compassion.With decades of experience and a deep understanding of Northern Colorados real estate landscape, the Coldwell Banker Plains team ensures that every senior and family receives thoughtful, personalized guidance.A Real Estate Experience Rooted in Trust and CareSelling or purchasing a home later in life requires a real estate professional who listens carefully and understands the emotions involved. Seniors face unique questions: What will my next home look like? How do I navigate a competitive market? What should I do with a house full of belongings? How can I protect my financial security?Maria Del Vento of Coldwell Banker Plains captures the heart behind serving seniors beautifully: Every client has a story. We take the time to honor that story, understand their needs, and help them move forward with comfort and confidence.Her approach reflects the larger company philosophy: treat every client with integrity, respect, and individualized care.Supporting Seniors Through Every Step of the TransitionReal estate decisions dont happen in a vacuum. Seniors and their families often need help with more than simply listing or buying a home. Coldwell Banker Plains offers a full-service approach that supports the entire transition.Their services may include: Evaluating the right time to sell Helping seniors downsize from large family homes Providing market analyses and accurate pricing Coordinating repairs or improvements before listing Staging homes for maximum appeal Managing showings and offers Guiding seniors through negotiations Assisting with paperwork and closing tasks Connecting clients to trusted partners such as movers, packers, and senior services This comprehensive support helps seniors focus on what matters mostfinding the right next stepwhile their agent handles the details.Understanding the Windsor Market and Senior NeedsWindsors real estate market has experienced significant growth over the past decade. Its combination of beautiful parks, lake recreation, newer housing developments, and proximity to I-25 makes it a top choice for families and retirees. Seniors benefit from Windsors peaceful neighborhoods, well-maintained walking paths, and convenient access to medical services.Coldwell Banker Plains understands the nuances of Windsors market and uses that knowledge to help seniors make informed decisions. They stay aware of: Neighborhood trends Market values Local development projects Community resources Senior living options nearby This insight provides seniors with a clear understanding of when and how to make their move.A Guiding Hand for DownsizingMany seniors reach a point where maintaining a large home becomes a burdenyard work, stairs, repairs, and extra rooms can feel overwhelming. Downsizing offers the chance to simplify life, reduce expenses, and move into a home that better fits changing mobility needs.Coldwell Banker Plains helps seniors: Decide what type of home fits their lifestyle Identify accessible housing options Coordinate with senior move managers Understand the financial implications of downsizing Sell their current home for maximum value Agents approach each downsizing journey with patience, acknowledging that letting go of a longtime home is emotional and significant.Helping Out-of-State Families Navigate Local Real EstateMany adult children live outside Colorado and need guidance when helping aging parents sell or purchase a home. Coldwell Banker Plains offers long-distance communication and coordination to create a seamless process.Families appreciate: Frequent updates Virtual tours Digital paperwork Video check-ins Honest recommendations Local expertise This remote-friendly approach supports families no matter where they live.A Team Committed to Honesty and Professional ExcellenceNot all real estate agents have experience working with seniorsbut Coldwell Banker Plains does. Their team is known for honesty, professionalism, kindness, and attention to detail. Seniors often comment that they never feel pressured; instead, they feel supported and informed.Maria Del Vento, in particular, is known throughout Windsor and Northern Colorado for her reliable communication and warm, knowledgeable guidance. Her dedication to doing whats right for clients has earned lasting trust in the community.Helping Seniors Find a New Place to Call HomeWhether a senior is moving into: A smaller ranch-style home A low-maintenance patio home A condo with minimal upkeep A senior living community A home closer to children or grandchildren Coldwell Banker Plains helps ensure the transition is joyful rather than stressful. Their goal is to match seniors with homes that fit their physical needs, comfort preferences, and lifestyle goals.A Deep Commitment to Community ConnectionWindsor prides itself on being a place where neighbors look out for one another. Coldwell Banker Plains embodies that same spirit. Their real estate services extend beyond businessthey strengthen community ties by helping families feel settled and supported.Seniors often stay connected through Windsors community events such as: Concerts at Boardwalk Park Farmers markets Lake Windsor activities Senior fitness classes Community center events Having a home that supports accessibility and comfort makes participation in these activities easier and more enjoyable.Frequently Asked QuestionsDo you work with seniors who are downsizing?Yes. Downsizing is one of their most commonly requested services.Can you help coordinate the move and preparation of the home?Absolutely. They work with trusted contractors, cleaners, and senior move specialists.How do you price a home in Windsor?Agents prepare a comparative market analysis based on current sales, neighborhood trends, and property condition.Do you help seniors find new homes outside Windsor?Yes. They serve all of Northern Colorado, including Greeley, Loveland, Timnath, and Fort Collins.Can you assist out-of-state family members?Yes. Remote communication and virtual coordination are available throughout the process.Call-to-Action To discuss selling, buying, or downsizing with a real estate professional you can trust, visit the Coldwell Banker Plains listing on SeniorsBlueBook.com. Discover compassionate, experienced guidance that helps Windsor seniors make confident and informed real estate decisions.
Greely Senior Move Specialists: Kid Gloves Makes Downsizing and Transitions Stress-FreeGreeley Senior Move Specialists: Kid Gloves Makes Downsizing and Transitions Stress-FreeMoving is stressful at any age, but for older adults, the process can feel overwhelmingemotionally, physically, and logistically. In Greeley, where generations of families have deep roots and strong connections to their homes, downsizing or transitioning to senior living is often one of the biggest life changes a person will ever face. Kid Gloves, a trusted Senior Move Management company serving Greeley and Northern Colorado, understands this reality better than anyone.Founded on compassion, respect, and a commitment to serving older adults, Kid Gloves specializes in helping seniors and their families navigate every detail of the moving process. From packing cherished belongings to coordinating move-in day, their team ensures that each step is handled with carebecause they know that moving isnt just about boxes and furniture. Its about memories, identity, and maintaining dignity during a vulnerable time.Greeleys senior population continues to grow, and many older adults are choosing to transition into smaller homes, independent living, assisted living, or memory care communities. Kid Gloves provides the extra support needed to make these transitions smooth, respectful, and as stress-free as possible.Compassionate Help for One of Lifes Most Emotional TransitionsSenior moves often involve difficult decisions: what to keep, what to let go of, and how to preserve the things that matter most. For many families, this process brings up a mix of emotionsjoy, grief, nostalgia, and sometimes even guilt. Kid Gloves meets seniors where they are emotionally and practically, offering gentle guidance and patient support through every decision.Chad and Donna Hunsinger, who lead Kid Gloves with genuine heart and community spirit, share a philosophy that drives their work: Every move tells a story. Our job is to honor that story while helping seniors step confidently into their next chapterwithout fear, stress, or pressure.This approach sets Kid Gloves apart, making the company one of Greeleys most respected resources for older adults and their families.A Full-Service Approach to Senior MovesKid Gloves provides a comprehensive suite of services designed specifically for the needs of older adults. They take care of the physical, emotional, and logistical aspects of movingallowing families to focus on supporting their loved one rather than struggling through the process alone.Their services may include: Sorting and organizing belongings Packing and unpacking Furniture floor planning for a smooth transition Coordinating donation or disposal of unwanted items Downsizing and decluttering support Transport coordination Move-in setup to make the new space feel like home Estate cleanout services Whether seniors are moving into a retirement community, relocating to be closer to family, or downsizing to simplify their life, Kid Gloves brings structure, clarity, and compassion.Supporting Seniors Throughout Greeley and Northern ColoradoGreeley is a city rich in community, culture, and history. Many seniors have lived here for decades, raising families, building careers, and forming lifelong friendships. For them, moving isnt just a change of addressits a major life shift that requires patience and understanding.Kid Gloves is deeply familiar with the local communities and senior living options throughout the region, including: Greeley Windsor Evans Eaton Fort Collins Loveland Johnstown Their knowledge of Northern Colorado allows them to coordinate moves efficiently and guide families through local resources that make the transition easier.Reducing Stress for Families Near and FarMany adult children support aging parents from different cities or states. Coordinating a move from a distance can feel nearly impossible. Kid Gloves becomes the familys trusted partner on the ground, managing tasks with professionalism and constant communication.Families appreciate: Clear updates A caring approach Professional reliability A non-judgmental team Respect for personal belongings This support is especially helpful during emotional moves, such as when a loved one is transitioning to memory care or moving after a spouse has passed away.Downsizing With DignityDownsizing can be one of the hardest parts of aging. Seniors often need to sort through decades of belongings, each item carrying memories and meaning. Kid Gloves helps make this process respectful and empowering rather than overwhelming.Their team works alongside seniors to: Prioritize sentimental items Identify what will fit in the new space Make decisions at a comfortable pace Avoid rushing or pressure Ensure the senior feels in control This patient, person-centered approach allows seniors to move forward with comfort and confidence.Creating a Home-Like Space on Day OneKid Gloves services dont end with packing and transporting belongings. They also help set up the new living space so it feels warm, familiar, and functional right from the start.This may include: Making the bed Arranging furniture according to the floor plan Setting up the kitchen Organizing clothes, linens, and personal items Displaying meaningful photos or dcor Creating a layout that supports safety and mobility This thoughtful setup can be especially comforting for seniors with memory loss, anxiety, or physical limitations.A Team Guided by Heart and ExperienceWhat makes Kid Gloves exceptional is the teams genuine care for the seniors they serve. Each move is approached with empathy, patience, and a desire to lighten the emotional load for families.Clients consistently describe the team as: Warm Respectful Professional Organized Patient Trustworthy Chad and Donnas leadership fosters a culture of compassion and excellence. Families often say they feel relieved, supported, and deeply grateful after working with Kid Gloves.Frequently Asked QuestionsDo you only help with senior moves?Senior moves are their specialty, but they also assist with estate cleanouts and family transitions of all types.Do you help with out-of-state moves?Yes. Kid Gloves can coordinate long-distance moves and work with partner services when needed.Can you work directly with senior living communities?Absolutely. They regularly coordinate with local independent living, assisted living, and memory care communities.Do you help with downsizing before a move?Yes. Downsizing is one of their most commonly requested services.Is the service customizable?Yes. Families can choose full-service support or select only the tasks they need help with.Call-to-Action To learn more about senior move support, downsizing assistance, or estate cleanouts, visit the Kid Gloves listing on SeniorsBlueBook.com. Discover a compassionate partner who makes transitions easier for seniors and families in Greeley and beyond.