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Winter is here again-which may make you wish you were somewhere else. But if you ’ re planning on being a snowbird, either in the future or very soon, you ’ ll need to be prepared.

If you hope to be a snowbird when you retire, you should review all your sources of retirement income, such as your IRA, 401(k) and Social Security, to determine if you ’ ll have enough money available for your yearly snowbird trips without jeopardizing your retirement lifestyle.

But if you ’ re ready right now for the snowbird life, you should take some practical steps, such as securing your home while you ’ re gone and providing your bank with your temporary address and contact information.

You ’ ll also want to make sure your bills will be paid while you ’ re gone. And don ’ t forget about your investments-even if you ’ re only gone a couple of months, you may need to make some moves.

The life of a snowbird can be a pleasant one. So take the necessary steps before you leave-and enjoy your days in the sun.

During this holiday season and every day of the year, we wish you all the best. Season ’ s Greetings!

This article was written by Edward Jones for use by your local Edward Jones Financial Advisor.

Member SIPC.

MICHELLE DENOYER (815) 255-2395 Channahon

NATE ALBERT (815) 836-8089 Crest Hill

EDWARD J. DOLLINGER (815) 744-2127 Joliet

RONALD T. MOLO (815) 439-8221 Joliet

MARK E. KARNER (815) 744-2742 Joliet

SETH A. WORMLEY (815) 254-1735 Joliet

SETH COOPER (815) 725-5401 Joliet

NICHOLAS J. TYRELL (815) 744-2127 Joliet

TERRANCE B. SPIVEY (815) 744-2742 Joliet

RYAN M. SHARP (815) 838-6004 Lockport

NICHOLAS G. FRONTERA (815) 838-9084 Lockport

THOMAS R. CROSBY (815) 524-4568 Lockport

BEN SISK (815) 467-9632 Minooka

MATT SCHIMANSKI (815) 254-5448 Plainfield

MARY KAY HRDINA (815) 436-9696 Plainfield

PAUL A. KALAFUT (815) 744-8150 Shorewood

ADAM UNDERHILL (815) 630-4377 Shorewood

DEAN A. SHEPHERD (815) 476-6856 Wilmington