Category Archives: 401K.com

Why Women Need Life Insurance. By John Jastremski

Today, women have more financial responsibilities than ever before. How will your family or loved ones manage financially if you die? Whether you are single, married, employed, or a stay-at-home mom, you probably need life insurance. At the very least, … Continue reading

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Variable Annuities. By John Jastremski

Some basics A variable annuity is a contract between you (the purchaser) and an insurance company (the issuer). In return for your premium payments, the issuer agrees to make periodic payments to you (if you elect this option), beginning either … Continue reading

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Trusteed IRAs. By John Jastremski

The tax code allows IRAs to be created as trust accounts, custodial accounts, and annuity contracts. Regardless of the form, the federal tax rules are generally the same for all IRAs. But the structure of the IRA agreement can have … Continue reading

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The Roth 403(b). By John Jastremski

Some employers offer 403(b) plan participants the opportunity to make Roth 403(b) contributions. If you’re lucky enough to work for an employer that offers this option, Roth contributions could play an important role in maximizing your retirement income. What is … Continue reading

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The Retirement Income Gender Gap: Dealing with a Shortfall. By John Jastremski

When you determine your retirement income needs, you make your projections based on the type of lifestyle you plan to have and the desired timing of your retirement. However, you may find that reality is not in sync with your … Continue reading

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The Individual 401(k). By John Jastremski

If you’re self-employed or own a small business, you’ve probably considered establishing a retirement plan. If you’ve done your homework, you likely know about simplified employee pensions (SEPs) and savings incentive match plans for employees (SIMPLE) IRA plans. These plans … Continue reading

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Stretch IRAs. By John Jastremski

The term “stretch IRA” has become a popular way to refer to an IRA (either traditional or Roth) with provisions that make it easier to “stretch out” the time that funds can stay in your IRA after your death, even … Continue reading

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Saving for Retirement. By John Jastremski

Although most of us recognize the importance of sound retirement planning, few of us embrace the nitty-gritty work involved. With thousands of investment possibilities, complex rules governing retirement plans, and so on, most people don’t even know where to begin. … Continue reading

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Saving for College. By John Jastremski

There’s no denying the benefits of a college education: the ability to compete in today’s job market, increased earning power, and expanded horizons. But these advantages come at a price. And yet, year after year, thousands of students graduate from … Continue reading

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Roth IRA Conversions. By John Jastremski

With the lure of tax-free distributions, Roth IRAs have become increasingly popular retirement savings vehicles. According to the 2015 Investment Company Fact Book, 19.2 million U.S. households (about 15.6%) owned Roth IRAs in 2014. What are the general rules for … Continue reading

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