Category Archives: Investing and the Markets

Maintaining Sustainable Withdrawal Rate in Retirement – by John Jastremski

What is a sustainable withdrawal rate? A withdrawal rate is the percentage that is withdrawn each year from an investment portfolio. If you take $20,000 from a $1 million portfolio, your withdrawal rate that year is two percent ($20,000 divided … Continue reading

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Value Investing Strategy

Many of the greatest investors (Benjamin Graham, Warren Buffett, and Seth Klarman) that have ever lived have employed some form of value investing as an integral part of their overall stock investing strategy. However, value investing is a broad term … Continue reading

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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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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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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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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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Guarding Against Identity Theft. Take steps so criminals won’t take vital information from you. By John Jastremski

Guarding Against Identity Theft Take steps so criminals won’t take vital information from you.                                                     America is enduring a data breach epidemic. As 2013 ended, the federal Bureau of Justice Statistics released its 2012 Victims of Identity Theft report. … Continue reading

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Should You Put Your Home Into a Trust? The arguments for & against this estate planning decision. By John Jastremski

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

Women & Money Paralysis Not making a move may not be the best move to make.        A decision not made may have financial consequences. There is an old belief that women are more cautious about money than … Continue reading

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