Category Archives: ESRO

Don’t Let Your Retirement Savings Goal Get You Down -by John Jastremski

As a retirement savings plan participant, you know that setting an accumulation goal is an important part of your overall strategy. In fact, each year in its annual Retirement Confidence Survey, the Employee Benefit Research Institute (EBRI) reiterates that goal … 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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Five Keys to Investing for Retirement -by John Jastremski

Making decisions about your retirement account can seem overwhelming, especially if you feel unsure about your knowledge of investments. However, the following basic rules can help you make smarter choices regardless of whether you have some investing experience or are … 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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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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Five Key Benefits for Military Families. By John Jastremski

Military families face plenty of financial challenges. If you’re saving for college or retirement, buying a home, or wondering how to help secure your family’s financial future, don’t overlook these five important benefits. 1. Thrift Savings Plan Retirement is something … Continue reading

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Handling Market Volatility. By John Jastremski

Conventional wisdom says that what goes up must come down. But even if you view market volatility as a normal occurrence, it can be tough to handle when your money is at stake. Though there’s no foolproof way to handle … Continue reading

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Throwing Out the 4% Rule By John Jastremski

Throwing Out the 4% Rule This 1990s retirement planning principle seems questionable today.   In 1994, a financial advisor named Bill Bengen published research articulating the “4% rule”, which became a landmark of retirement planning. The 4% rule postulates that … Continue reading

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Should You Put Your Home Into a Trust? By John Jastremski

Should You Put Your Home Into a Trust? The arguments for & against this estate planning decision.   Uncommon, or uncommonly wise? Occasionally, a couple or a family will elect to put their home into a revocable living trust, a … Continue reading

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Financial Considerations for 2014 By John Jastremski

Financial Considerations for 2014 What changes should we consider making for next year?   2014 is really not too far away. Fall is the time of year when the financially savvy start to look for ways to reduce their taxes … Continue reading

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