Category Archives: EIPP

The Roth 401(k) -by John Jastremski

Some employers offer 401(k) plan participants the opportunity to make Roth 401(k) contributions. If you’re lucky enough to work for an employer who offers this option, Roth contributions could play an important role in helping enhance your retirement income. What … Continue reading

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Nonprofit Boards: New Challenges and Responsibilities -by John Jastremski

The days are long gone when nonprofit boards were made up of large donors who expected that little more would be asked of them beyond socializing at the occasional fundraiser. Being a board member can be as demanding and rewarding … Continue reading

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Lump Sum vs. Dollar Cost Averaging: Which is Better? -by John Jastremski

Some people go swimming by diving into the pool; others prefer to edge into the water gradually, especially if the water’s cold. A decision about putting money into an investment can be somewhat similar. Is it best to invest your … 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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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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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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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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