Category Archives: Economic Report

Cash Flow Management by John Jastremski

Cash Flow Management An underappreciated fundamental in financial planning.                         You’ve probably heard the saying that “cash is king,” and whether you own a business or not, it is a truth that applies. Most discussions of business and personal … Continue reading

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Why You Should Keep Contributing to Your 401K

Save for retirement consistently, regardless of how the market behaves. There is seldom a dull moment on Wall Street. Stocks may rise or fall dramatically over the course of a year or a decade. Sometimes, breaking news may tempt you … 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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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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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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Retirement Plans for Small Businesses -by John Jastremski

If you’re self-employed or own a small business and you haven’t established a retirement savings plan, what are you waiting for? A retirement plan can help you and your employees save for the future. Tax advantages A retirement plan can … Continue reading

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Non-Qualified Deferred Compensation (NQDC) Plans -by John Jastremski

A nonqualified deferred compensation (NQDC) plan is an arrangement between an employer and one or more employees to defer the receipt of currently earned compensation. You might want to establish a NQDC plan to provide your employees with benefits in … Continue reading

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How Grandparents Can Help Grandchildren With College Costs -by John Jastremski

As the cost of a college education continues to climb, many grandparents are stepping in to help. This trend is expected to accelerate as baby boomers, many of whom went to college, become grandparents and start gifting what’s predicted to … Continue reading

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Exchange-Traded Funds: Do They Belong in Your Portfolio? -by John Jastremski

Exchange-traded funds (ETFs) have become increasingly popular since they were introduced in the United States in the mid-1990s. Their tax efficiencies and relatively low investing costs have attracted investors who like the idea of combining the diversification of mutual funds … Continue reading

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Beyond Traditional Asset Classes: Exploring Alternatives -by John Jastremski

Stocks, bonds, and cash are fundamental components of an investment portfolio. However, many other investments can be used to try to spice up returns or reduce overall portfolio risk. So-called alternative assets have become popular in recent years as a … Continue reading

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