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Maintaining Sustainable Withdrawal Rate in Retirement – by John Jastremski

What is a sustainable withdrawal rate? A withdrawal rate is the percentage that is withdrawn each year from an investment portfolio. If you take $20,000 from a $1 million portfolio, your withdrawal rate that year is two percent ($20,000 divided … Continue reading

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Active vs. Passive Portfolio Management – by John Jastremski

One of the longest-standing debates in investing is over the relative merits of active portfolio management versus passive management. With an actively managed portfolio, a manager tries to beat the performance of a given benchmark index by using his or … Continue reading

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The Benefits of Tax-Advantaged Savings Vehicles – by John Jastremski

Taxes can take a big bite out of your total investment returns, so it’s helpful to look for tax-advantaged strategies when building a portfolio. But keep in mind that investment decisions shouldn’t be driven solely by tax considerations; other factors … Continue reading

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Teach Your Children Well: Basic Financial Education – by John Jastremski

Even before your children can count, they already know something about money: it’s what you have to give the ice cream man to get a cone, or put in the slot to ride the rocket ship at the grocery store. … Continue reading

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How Secure Is Social Security? – by John Jastremski

If you’re retired or close to retiring, then you’ve probably got nothing to worry about–your Social Security benefits will likely be paid to you in the amount you’ve planned on (at least that’s what most of the politicians say). But … Continue reading

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Irrevocable Life Insurance Trust (ILIT) – by John Jastremski

One of the main reasons we buy life insurance is so that when we die, our loved ones will have enough money to pay off our remaining debts and final expenses. We also purchase life insurance to provide for our … Continue reading

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Credit Shelter Trust- by John Jastremski

Credit Shelter Trust Approved comments What is a credit shelter trust? A credit shelter trust (also called a B trust, family trust, or bypass trust) is an irrevocable trust typically used by a married couple to minimize federal estate taxes … Continue reading

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Donor-Advised Fund-by John Jastresmki

What is a donor-advised fund? Technically, a donor-advised fund is an agreement between a donor and a host organization (the fund) that gives the donor the right to advise the fund on how the donor’s contributions will be invested and … Continue reading

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Dynasty Trustby – by John Jastresmki

What is a dynasty trust? Each time one taxpayer transfers wealth to another, the transfer is potentially subject to federal transfer taxes, including gift and estate tax. The federal transfer tax system is designed to impose a tax on each … Continue reading

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Financial Basics for Millennials – by John Jastremski

With age comes responsibility, so if you’re a young adult in your 20s or 30s, chances are you’ve been introduced to the realities of adulthood. While you’re excited by all the opportunities life has to offer, you’re also aware of … Continue reading

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