Monthly Archives: October 2015

Medicare Prescription Drug Coverage. By John Jastremski

If you’re covered by Medicare, here’s some welcome news–Medicare drug coverage can help you handle the rising cost of prescriptions. If you’re covered by original Medicare, you can sign up for a drug plan offered in your area by a … Continue reading

Posted in Access.ATT, ATT, CAM Annuity, Economic Report, EIPP | Tagged , , , , , , , , | Comments Off

Socially Responsible Investing. By John Jastremski

Investing with an eye toward promoting social, political, or environmental concerns (or at least not supporting activities you feel are harmful) doesn’t mean you have to forgo pursuing a return on your money. Socially responsible investing may allow you to … Continue reading

Posted in 401(k), 401K.com, 72T, Access.ATT, ATT | Tagged , , , , , , , , , | Comments Off

Why I Don’t Want to Buy Life Insurance. By John Jastremski

If you’re like most people, it’s not that you don’t appreciate the value of life insurance. In fact, many people believe they need more coverage. You probably wouldn’t mind owning additional life insurance. It’s just that you don’t want to … Continue reading

Posted in 72T, Access.ATT, ATT, CAM Annuity, Economic Report | Tagged , , , , , , , , , | Comments Off

Is America Prepared to Retire? (2015) By John Jastremski

Two-thirds of us have no financial plan.  Only 48% of Americans say they think they are saving enough. And 30% feel that they are not even slightly confident that they are saving enough for retirement. That finding comes from the 2015 … Continue reading

Posted in 401(k), 401K.com, 72T, Access.ATT, ATT | Tagged , , , , , , , , | Comments Off

Do Our Biases Affect Our Financial Choices? By John Jastremski

Even the most seasoned investors are prone to their influence.  Investors are routinely warned about allowing their emotions to influence their decisions.  They are less routinely cautioned about letting their preconceptions and biases color their financial choices.  In a battle … Continue reading

Posted in Access.ATT, ATT, CAM Annuity, Economic Report, EIPP | Tagged , , , , , , , , , | Comments Off

Setting and Targeting Investment Goals. By John Jastremski

Go out into your yard and dig a big hole. Every month, throw $50 into it, but don’t take any money out until you’re ready to buy a house, send your child to college, or retire. It sounds a little … Continue reading

Posted in 401(k), 401K.com, 72T, Access.ATT, ATT | Tagged , , , , , , , , , | Comments Off

The Power of Dividends in a Portfolio. By John Jastremski

It wasn’t so long ago that many investors regarded dividends as roughly the financial equivalent of a record turntable at a gathering of MP3 users–a throwback to an earlier era, irrelevant to the real action. But fast-forward a few years, … Continue reading

Posted in 401(k), 401K.com, 72T, Access.ATT, ATT | Tagged , , , , , , , , , | Comments Off

Staying on Track with Your Retirement Investments. By John Jastremski

Investing for your retirement isn’t about getting rich quick. More often, it’s about having a game plan that you can live with over a long time. You wouldn’t expect to be able to play the piano without learning the basics … Continue reading

Posted in 72T, Access.ATT, ATT, CAM Annuity, Economic Report | Tagged , , , , , , , , , | Comments Off

Self-Directed IRAs. By John Jastremski

A self-directed IRA isn’t a different type of IRA. Rather, the term refers to any individual retirement account (traditional or Roth) that allows you to direct the investment of your IRA assets into nontraditional investments. For example, in addition to … Continue reading

Posted in 401(k), 401K.com, 72T, Access.ATT, ATT | Tagged , , , , , , , , | Comments Off

Retirement Income Investing: Beyond Annuities. By John Jastremski

One of the challenges of investing during retirement is providing for annual income while balancing that need with other considerations, such as liquidity, how long you need your funds to last, your risk tolerance, and anticipated rates of return for … Continue reading

Posted in 401(k), 401K.com, 72T, Access.ATT, ATT | Tagged , , , , , , , , , | Comments Off