Monthly Archives: January 2015

Cash Flow Management. By John Jastremski

An underappreciated fundamental in financial planning. You’ve probably heard the saying that “cash is king,” and whether you own a business or not, it is a truth that applies. Most discussions of business and personal “financial planning” involve tomorrow’s goals, … Continue reading

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After the Military: Tips for Your Financial Transition to Civilian Life. By John Jastremski

A drawdown is looming. You’re separating at the end of active service. You’ve decided to retire after a long career. No matter why you’re leaving the military, a big part of preparing for your civilian life is taking steps to … Continue reading

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Investing as a Couple: Getting to Yes. By John Jastremski

In a perfect world, both halves of a couple share the same investment goals and agree on the best way to try to reach them. It doesn’t always work that way, though; disagreements about money are often a source of … Continue reading

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Avoiding the Common 1040 Mistakes. By John Jastremski

Don’t let these slip-ups creep into your federal tax return. No one wants to delay their federal tax refund. As you certainly don’t, filling out your 1040 form correctly is essential. To that end, it is worth noting some of … Continue reading

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Five Key Benefits for Military Families. By John Jastremski

Military families face plenty of financial challenges. If you’re saving for college or retirement, buying a home, or wondering how to help secure your family’s financial future, don’t overlook these five important benefits. 1. Thrift Savings Plan Retirement is something … Continue reading

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Guarding Against Identity Theft. By John Jastremski

Take steps so criminals won’t take vital information from you. America is enduring a data breach epidemic. As 2013 ended, the federal Bureau of Justice Statistics released its 2012 Victims of Identity Theft report. Its statistics were sobering. About one … Continue reading

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Throwing Out the 4% Rule. By John Jastremski

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 retirement nest egg can last … Continue reading

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72(t) Distributions. By John Jastremski

Sometimes you can take penalty-free early withdrawals from retirement accounts. Do you need to access your retirement money early? Usually, anyone who takes money out of an IRA or a retirement plan prior to age 59½ faces a 10% early … Continue reading

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Getting Your Household Cash Flow Back Under Control. By John Jastremski

Developing a better budgeting process may be the biggest step toward that goal. Where does your money go? If you find yourself asking that question from time to time, it may relate to cash flow within your household. Having a … Continue reading

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What’s Your Financial Health Score? By John Jastremski

Can a 5-question test predict how wealthy you will become? In the future, will you become wealthier or poorer? Who knows, right? It seems like you would need a crystal ball to really answer that question given life’s up and … Continue reading

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