Category Archives: Economic Report

Women: Planning for the Financial Impact of Children -by John Jastremski

Children are a special blessing and their arrival brings boundless love and joy into our lives that you can’t put a price on. But adding a child to the household impacts the family budget–and women especially—in very measurable ways. Whether … Continue reading

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Rollovers. by John Jastremski

In general, a rollover is the movement of funds from one retirement savings vehicle to another. You may want, or need, to make a rollover for any number of reasons–your employment situation has changed, you want to switch investments, or … Continue reading

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Understanding the Net Investment Income Tax- By John Jastremski

If your income hits a certain level, you may face an additional wrinkle in calculating your taxes: the net investment income tax (also referred to as the unearned income Medicare contribution tax). This 3.8% Medicare tax applies to some or … Continue reading

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Women and Retirement Planning. By John Jastremski

Women face special challenges when planning for retirement. Because their careers are often interrupted to care for children or elderly parents, women may spend less time in the workforce and earn less money than men in the same age group. … 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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