Monthly Archives: June 2018

The Joys and Financial Challenges of Parenthood. By John Jastremski

Children are special. There’s nothing like them. They can be our sweetest blessing, as well as our biggest frustration. Most of all, however, they are our greatest responsibility, as well as our most important–and expensive–commitment. Whether you are a first-time … Continue reading

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Coping With College Loans. By John Jastremski

Paying them down, managing their financial impact. Are student loans holding our economy back? Certainly America has recovered from the last recession, but this is an interesting question nonetheless. In a November 2013 address before the Federal Reserve Bank of … 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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Are You Underprepared for Retirement? By John Jastremski

A university study serves as a wake-up call. Financially speaking, how many Americans are truly on track to retire? A recently published white paper suggests that about half of us are approaching our “third acts” with faulty assumptions. Perception differs … Continue reading

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Lump Sum vs. Dollar Cost Averaging: Which Is Better? By John Jastremski

Some people go swimming by diving into the pool; others prefer to edge into the water gradually, especially if the water’s cold. A decision about putting money into an investment can be somewhat similar. Is it best to invest your … Continue reading

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The Tax Benefits of Your Retirement Savings Plan. By John Jastremski

Taxes can take a big bite out of your total investment returns, so it’s encouraging to know that your employer-sponsored retirement savings plan may offer a variety of tax benefits. Depending on the type of plan your employer offers, you … 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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Changing Jobs? Take Your 401(k) and Roll It. By John Jastremski

If you’ve lost your job, or are changing jobs, you may be wondering what to do with your 401(k) plan account. It’s important to understand your options. What will I be entitled to? If you leave your job (voluntarily or … Continue reading

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Converting Savings to Retirement Income. By John Jastremski

During your working years, you’ve probably set aside funds in retirement accounts such as IRAs, 401(k)s, or other workplace savings plans, as well as in taxable accounts. Your challenge during retirement is to convert those savings into an ongoing income … Continue reading

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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 … Continue reading

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