Monthly Archives: December 2014

Getting Financially Fit for Retirement at 50. By John Jastremski

Things for trailing-edge boomers & Gen Xers to consider. When you turn 50, retirement starts to seem less abstract. In terms of retirement planning, a 50th birthday can act as a wake-up call. It may offer a powerful reminder to … Continue reading

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Understanding Your Risk Tolerance. By John Jastremski

Do you recognize the major factors that may affect it? How’s your ability to withstand short-term losses? This is the question at the core of any discussion of risk tolerance. Some people are able to ride through turbulence in the … Continue reading

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Gauging Your Financial Well-Being. By John Jastremski

Six signs that you are in good shape. How well off do you think you are financially? If your career or life takes an unexpected turn, would your finances hold up? What do you think will become of the money … Continue reading

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The Advantages of HSAs. By John Jastremski

Health Savings Accounts offer you tax breaks & more. Why do people open up Health Savings Accounts in conjunction with high-deductible insurance plans? Well, here are some of the compelling reasons why younger, healthier employees decide to have HSAs. #1: … Continue reading

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Financial Considerations for 2015. By John Jastremski

Is it time to make a few alterations for the near future? 2015 is less than three months away. Fall is the time when investors look for ways to lower their taxes and make some financial changes. This is an … Continue reading

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Less Protection for Inherited IRAs. By John Jastremski

They are no longer exempt from creditors & bankruptcy proceedings. A SCOTUS ruling raises eyebrows. On June 12, 2014, the Supreme Court ruled 9-0 that assets held within inherited IRAs by non-spousal beneficiaries do not legally constitute “retirement funds.” Therefore, … Continue reading

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Should You Buy the Dips? Market retreats & corrections may herald opportunities. By John Jastremski

When stocks retreat, should you pick up some shares? If you like to buy and hold, it may turn out to be a great move. Buying during a downturn or a correction may seem foolish to many, but if major … Continue reading

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Debunking a Few Popular Retirement Myths. By John Jastremski

Certain misconceptions ignore the realities of retirement. Generalizations about money & retirement linger. Some have been around for decades, and some new clichés have recently joined their ranks. Let’s examine a few. “When I’m retired, I won’t really have to … Continue reading

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The Importance of TOD & JTWROS Designations. By John Jastremski

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 survivorship – two designations that permit automatic transfer of … Continue reading

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Balancing Your Investment Choices with Asset Allocation. By John Jastremski

A chocolate cake. Pasta. A pancake. They’re all very different, but they generally involve flour, eggs, and perhaps a liquid. Depending on how much of each ingredient you use, you can get very different outcomes. The same is true of … Continue reading

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