Monthly Archives: May 2014

Throwing Out the 4% Rule. By John Jastremski

Throwing Out the 4% Rule This 1990s retirement planning principle seems questionable today. In 1994, a financial advisor named Bill Bengen published research articulating the “4% rule”, which became a landmark of retirement planning. The 4% rule postulates that a … Continue reading

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Women, Longevity Risk & Retirement Saving. By John Jastremski

Women, Longevity Risk & Retirement Saving Statistics point out the need to save early, save consistently & stay invested.    Will you live to be 100? If you’re a woman, your odds of becoming a centenarian are seemingly better than … Continue reading

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Retirement Planning With Health Care Expenses in Mind. By John Jastremski

Retirement Planning With Health Care Expenses in Mind It is only wise to consider what Medicare won’t cover in the future.   As you save for retirement, you also recognize the possibility of having to pay major health care costs … Continue reading

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Bearish Thoughts Persist in a Bull Market. By John Jastremski

Bearish Thoughts Persist in a Bull Market Are memories of the downturn hurting the financial potential of boomers?   At the end of October, the S&P 500 was up 24.39% in the past 12 months. What investor wouldn’t want gains … Continue reading

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The Economy Heads for Normal. By John Jastremski

The Economy Heads for Normal A look at the fundamentals affirms the hunch.    The stock market may be up and down this year, but America’s economic recovery seems to be proceeding at a decent pace. Anyone who wants some … Continue reading

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Should You Reduce Risk Exposure As You Get Older? By John Jastremski

Should You Reduce Risk Exposure As You Get Older?  A study suggests the “conventional wisdom” may be flawed. If you move away from equities with age, are you making a mistake? For some time, financial professionals have encouraged investors to … Continue reading

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The Importance of TOD & JTWROS Designations. By John Jastremski

The Importance of TOD & JTWROS Designations A convenient move that could ward off probate on your accounts.      TOD, JTWROS…what do these obscure acronyms signify? They are shorthand for transfer on death and joint tenancy with right of … Continue reading

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IRS Announces New IRA Rollover Limitation. By John Jastremski

IRS Announces New IRA Rollover Limitation A tax court ruling raises eyebrows & leads to a decision that may affect you.   What was once allowed is now prohibited. In 2008, an affluent New York City couple made a series … Continue reading

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Coping With College Loans. By John Jastremski

Are student loans holding our economy back? Certainly America has recovered from the last recession, but this is an interesting question nonetheless. In a November 2013 address before the Federal Reserve Bank of St. Louis, Consumer Financial Protection Bureau Assistant … Continue reading

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Women & Money Paralysis. By John Jastremski

Women & Money Paralysis Not making a move may not be the best move to make.     A decision not made may have financial consequences. There is an old belief that women are more cautious about money than men, … Continue reading

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