Monthly Archives: June 2015

Retirement Plans for Small Businesses. By John Jastremski

If you’re self-employed or own a small business and you haven’t established a retirement savings plan, what are you waiting for? A retirement plan can help you and your employees save for the future. Tax advantages A retirement plan can … Continue reading

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Taking a Loan from Your Retirement Plan = Bad Idea. By John Jastremski

Why you should refrain from making this move. Thinking about borrowing money from your 401(k), 403(b), or 457 account? Think twice about that, because these loans are not only risky but injurious to your retirement planning. A loan of this … Continue reading

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Understanding Bond Yields and the Yield Curve. By John Jastremski

When it comes to investing in bonds, one of the first factors to consider is yield. But what exactly is “yield?” The answer depends on how the term is being used. In the broadest sense, an investment’s yield is the … Continue reading

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Long-Term Investment Truths. By John Jastremski

Key lessons for retirement savers. You learn lessons as you invest in pursuit of long-run goals. Some of these lessons are conveyed and reinforced when you begin saving for retirement, and others you glean along the way. First & foremost, … Continue reading

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Protecting Yourself Against Cyberattacks (2015). By John Jastremski

How vulnerable is your data? 25% of Americans were cyberhacked between March 2014 and March 2015. The American Institute of CPAs announced that alarming discovery in April, publishing the results of a survey conducted by Harris Poll. Disturbing? Certainly, but … Continue reading

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Protecting Your Savings and Investments. By John Jastremski

In the wake of turbulence in the financial markets, it’s worth reviewing the legal protections available for assets held by banks, credit unions, and securities dealers. Bank/savings and loan deposit accounts Generally, deposit accounts at banks and savings and loans … Continue reading

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Paying the Bills: Potential Sources of Retirement Income. By John Jastremski

Planning your retirement income is like putting together a puzzle with many different pieces. One of the first steps in the process is to identify all potential income sources and estimate how much you can expect each one to provide. … 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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529 Plans and Estate Planning. By John Jastremski

As the cost of a college education continues to climb out of reach for many parents, grandparents are stepping in to help. This trend is expected to accelerate in the coming years as the baby boomers start gifting what is … Continue reading

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Exchange-Traded Funds: Do They Belong in Your Portfolio? By John Jastremski

Exchange-traded funds (ETFs) have become increasingly popular since they were introduced in the United States in the mid-1990s. Their tax efficiencies and relatively low investing costs have attracted investors who like the idea of combining the diversification of mutual funds … Continue reading

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