Category Archives: Economic Report

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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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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Nonqualified 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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In-Service Withdrawals from 401(k) Plans. By John Jastremski

You may be familiar with the rules for putting money into a 401(k) plan. But are you familiar with the rules for taking your money out? Federal law limits the withdrawal options that a 401(k) plan can offer. But a … Continue reading

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Health Savings Accounts: Are They Just What the Doctor Ordered? By John Jastremski

Are health insurance premiums taking too big of a bite out of your budget? Do you wish you had better control over how you spend your health-care dollars? If so, you may be interested in an alternative to traditional health … 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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Guaranteed Lifetime Withdrawal Benefit Annuity Rider. By John Jastremski

Indexed annuities (also referred to as fixed-index or equity-indexed annuities) and variable annuities can be useful options for retirement savings because interest earnings are tax-deferred until withdrawn. These annuities can also be converted to a stream of income payments that … Continue reading

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Bonds, Interest Rates, and the Impact of Inflation. By John Jastremski

There are two fundamental ways that you can profit from owning bonds: from the interest that bonds pay, or from any increase in the bond’s price. Many people who invest in bonds because they want a steady stream of income … Continue reading

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After the Military: Tips for Your Financial Transition to Civilian Life. By John Jastremski

A drawdown is looming. You’re separating at the end of active service. You’ve decided to retire after a long career. No matter why you’re leaving the military, a big part of preparing for your civilian life is taking steps to … Continue reading

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The ABCs of Mutual Fund Share Classes. By John Jastremski

When investing in a mutual fund, you may have the opportunity to choose among several share classes, most commonly Class A, Class B, and Class C. This multi-class structure offers you the opportunity to select a share class that is … Continue reading

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