Category Archives: Insurance

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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Indexed Annuities -by John Jastremski

An indexed annuity (IA) is a contract between you and an insurance company. You pay premiums in a lump sum or periodically, and the issuer promises* to pay you some amount in the future. The IA issuer also provides a … Continue reading

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Deciding When to Retire: When Timing Becomes Critical -by John Jastremski

Deciding when to retire may not be one decision but a series of decisions and calculations. For example, you’ll need to estimate not only your anticipated expenses, but also what sources of retirement income you’ll have and how long you’ll … Continue reading

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Active vs. Passive Portfolio Management- By John Jastremski

One of the longest-standing debates in investing is over the relative merits of active portfolio management versus passive management. With an actively managed portfolio, a manager tries to beat the performance of a given benchmark index by using his or … Continue reading

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Weighing the Choice between Taxable and Tax-Free Bonds. By John Jastremski

If you’re considering the purchase of an individual bond or even a bond mutual fund, one of your first concerns will be its yield. However, when comparing various yields, you need to make sure you’re not comparing apples to oranges. … Continue reading

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Getting It All Together for Retirement by John Jastremski

Getting It All Together for Retirement Where is everything? Time to organize and centralize your documents.    Before retirement begins, gather what you need. Put as much documentation as you can in one place, for you and those you love. … Continue reading

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2014 IRA Deadlines Are Approaching By John Jastremski

2014 IRA Deadlines Are Approaching Here is what you need to know for 2014.   Financially, many of us associate April with taxes – but we should also associate April with important IRA deadlines. *April 1 is the absolute deadline … Continue reading

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MUTUAL FUNDS FOR INVESTMENTS

Mutual Funds are professionally managed investment scheme, in which fund managers manage the investment made by the investors. A mutual fund is administered under an advisory contract with a management company, which gives full detail about the schemes going on … Continue reading

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THE REALITY OF INVESTING DURING RETIREMENT

Decades ago, the “typical” retiree left work for good between age 60-65 and typically passed away at about 70-75. Retirement lasted 10-12 years for many Americans. Now the picture has changed: some of us will spend 30, 40, perhaps even … Continue reading

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