Category Archives: 72T

Qualified Longevity Annuity Contracts: Income for Later in Life -by John Jastremski

You may hope to live to an old age, but a longer life means that you’ll have even more years of retirement to fund. You may even run the risk of outliving your savings and other income sources. Even though … Continue reading

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Have You Checked Your Retirement Plan Lately? -by John Jastremski

It’s generally a good idea to review your employer-sponsored retirement savings plan at least once each year and when major life changes occur. If you haven’t given your plan a thorough review within the last 12 months, now may be … Continue reading

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Growth vs. Value: What’s the Difference? -by John Jastremski

With the wide variety of stocks in the market, figuring out which ones you want to invest in can be a challenging task. Many investors feel it’s useful to have a system for finding stocks that might be worth buying, … Continue reading

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Planning Lessons for Educators: Addressing Your Financial Issues -by John Jastremski

Being an educator requires expertise and that you stay current on developments in your field. However, that level of ongoing attention can make it difficult to find the time to stay on top of issues that affect your finances, or … Continue reading

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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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Safe Harbor 401(k) Plans by John Jastremeski

Everyone’s familiar with 401(k) plans. But not everyone knows they come in different flavors. There’s the traditional 401(k), of course. But there are also SIMPLE 401(k)s for small employers, 401(k)s with qualified automatic contribution arrangements (QACAs), and safe harbor 401(k)s. … Continue reading

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Women and Money: Taking Control of Your Finances. By John Jastremski

As a woman, you have financial needs that are unique to your situation in life. Perhaps you would like to buy your first home. Maybe you need to start saving for your child’s college education. Or you might be concerned … Continue reading

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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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