Monthly Archives: September 2015

Pay Down Debt or Save for Retirement? By John Jastremski

You can use a variety of strategies to pay off debt, many of which can cut not only the amount of time it will take to pay off the debt but also the total interest paid. But like many people, … Continue reading

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Rollovers. By John Jastremski

In general, a rollover is the movement of funds from one retirement savings vehicle to another. You may want, or need, to make a rollover for any number of reasons–your employment situation has changed, you want to switch investments, or … Continue reading

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Protecting Your Loved Ones with Life Insurance. By John Jastremski

How much life insurance do you need? Your life insurance needs will depend on a number of factors, including the size of your family, the nature of your financial obligations, your career stage, and your goals. For example, when you’re … Continue reading

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Handling Market Volatility. By John Jastremski

Conventional wisdom says that what goes up must come down. But even if you view market volatility as a normal occurrence, it can be tough to handle when your money is at stake. Though there’s no foolproof way to handle … Continue reading

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Don’t Let Your Retirement Savings Goal Get You Down. By John Jastremski

As a retirement savings plan participant, you know that setting an accumulation goal is an important part of your overall strategy. In fact, each year in its annual Retirement Confidence Survey, the Employee Benefit Research Institute (EBRI) reiterates that goal … Continue reading

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Comparing Bond Yields. By John Jastremski

Coupon Rates and Current Yield If you’re considering investing in a bond, one of the factors you need to understand is its yield. But it’s important to know exactly what type of yield you’re looking at. What exactly is “yield?” … 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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Net Unrealized Appreciation: The Untold Story. By John Jastremski

If you participate in a 401(k), ESOP, or other qualified retirement plan that lets you invest in your employer’s stock, you need to know about net unrealized appreciation–a simple tax deferral opportunity with an unfortunately complicated name. When you receive … Continue reading

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How Grandparents Can Help Grandchildren with College Costs. By John Jastremski

As the cost of a college education continues to climb, many grandparents are stepping in to help. This trend is expected to accelerate as baby boomers, many of whom went to college, become grandparents and start gifting what’s predicted to … Continue reading

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Are Your Children Financially Literate? By John Jastremski

New Approaches to a Changing Problem. How bad is financial illiteracy today? So bad that your children may be at risk of making some serious financial mistakes. Some are finding that talking to children about finances has become less about … Continue reading

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